We do not disclose your personal information to third parties, unless one of the following limited exceptions applies. Insurance Companies, Licensed Agents and Business Partners, HSA Trustees or Administrators, and Government-run Exchanges and Entities.
If you apply for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an insurance agent, agency or other business partner with whom we associate or contract, then we may disclose your personal information to that agent, agency or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested). If you complete an enrollment form for a health savings account ("HSA") offered through an authorized HSA trustee or administrator with whom we have associated, then we may disclose your personal information to that trustee or administrator to enroll you in an HSA. If you complete an application with us that is processed through a government-run exchange or other government-run entity, we will disclose your personal information to that government-run exchange or entity. Please be assured that these partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are legally obligated to maintain strict confidentiality.
We may disclose your personal information to other companies that help us to process or service any application you begin, process or submit through us or to correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.
Employers, Affinity Groups, and Benefits Administrators or Consultants.
If you were referred to us by, or use our website or call center in connection with, a current or former employer, affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your personal information to such employer, group, organization, administrator and/or consultant. For example, we may inform such employer, group, organization, administrator and/or consultant whether or not you have enrolled in a plan. Please be assured that these parties are only allowed to use your personal information as permitted by applicable law.
If HealthCare Affairs is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
If you provide us an indication of your consent to disclose, share or use your personal information in connection with a third party, we may disclose, share or use your personal information in that manner. For example, if you opt in to our social media mailing lists and promotional updates, then we may disclose your relevant personal information to social media platforms where HealthCare Affairs has a corporate account for the purpose of adding you to HealthCare Affairs social media mailing and promotional update lists. Generally, in such a situation, the social media platforms are not allowed to use your personal information for their own purposes unless you have a direct account on such social media platforms, in which case your personal information would be handled by the social media platforms in accordance with the social media platforms' privacy policies.
Your Requests for Products
Outside of these exceptions, we will not sell, trade or share your personal information with third parties.
We collect personal information in the normal course of business to process your insurance application and to serve you better.
Registering with Us
We begin collecting personal information from you when you register with us. You may register with us through our website by entering your email address and, if you are creating an account, choosing your password. Under our current process, you must create an account in connection with an application for a health insurance or other product offered on our website. You may also register with us through our Customer Care Center by providing certain personal or contact information (e.g., email address, phone number, gender, date of birth) to one of our customer service representatives.
Applying for Health Insurance and Other Products
If you apply for a health insurance or other product through our website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by your chosen insurance company, agent, HSA trustee or administrator, or government-run exchange or entity to process your application. Additionally, we may ask you to provide us with your credit card, bank information and social security number, which will be used by your chosen insurance company or HSA Trustee or Administrator to process your application or collect any fees associated with your application or insurance premiums upon approval of your application. If you apply through us for government health insurance subsidies or for health insurance sold through a government-run exchange, we will ask you for personal information, including financial, tax filing and household information, that we will pass on to government-run sites and entities responsible for processing such subsidies and applications.
Providing You with A Quote or Processing Your Application
We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application. We may also use phone numbers you provide to send you telephone or text messages about your application or account, and such messages may be automatically sent with an autodialer, an artificial or prerecorded voice, or other automation technology.
Third Party Data
We may receive information about you from other sources, including publicly available databases or third parties from whom we have obtained data, and combine this data with information we already have about you. This helps us to update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you. Examples of the types of personal information that may be obtained from public sources or third parties and combined with information we already have about you, may include: (a) address information from third party sources to verify your address so we can properly communicate with you and to prevent fraud and/or (b) data about our customers from third parties that is combined with information we already have about you, to create more tailored advertising and products.
Customer Satisfaction, Referrals and Other Products
We or our wholly-owned subsidiaries may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below.
Collection and Use of 3rd party Personal Information
You may also provide personal information about other people, such as their name, date of birth and gender. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided. The third party may contact us at firstname.lastname@example.org to request that we remove this information from our database.
We gather anonymous information about you for our internal purposes, and we may share this anonymous information with third parties.
As is true of most web sites, we may gather certain information automatically or systematically and store it in log files. Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the number of visitors to our website from a particular state or browser information such as browser type, device type, geographic region, IP address, and other non-personally identifying information. We may combine this automatically or systematically collected data with other information we collect about you. We may do this to improve or optimize our services, marketing, analytics, site functionality, service offerings, or for other business needs.
The strict restrictions we have in place for personal information do not necessarily apply to anonymous information. Because anonymous information is designed to not personally identify individuals, if we change the way we use your anonymous information after we have collected it, we will be unable to contact you to notify you of such change.
We use anonymous information primarily for marketing purposes and to improve our websites and the services we offer you, and we may disclose anonymous information to third parties.
We protect the confidentiality and security of your personal information.
We maintain physical, electronic and procedural safeguards to protect your personal information.
For a more detailed discussion of the electronic safeguards on our website, please see below.
We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.
Upon request HealthCare will provide you with information about whether we hold any of your personal information. If your personal information changes, or if you otherwise want to correct, update or delete your contact information held by us, you may contact us by email at email@example.com or by mail at Customer Service, HealthCare Affairs, PO Box 868, Lafayette, CO 80026.
Additionally, you may update your name, email address and password by clicking on the "Sign in" or "My Account" link on this website and signing in using your email address and password. We will respond to your request to access within a reasonable timeframe.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Please note that once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits) you may have to contact the insurance company or such other party directly to update your application.
We will provide notice of changes in our personal information privacy practices.
If we are going to use your personal information in a manner materially different from that stated at the time of collection, we will notify you via email (sent to the email address specified in your account) or by means of a notice on the website prior to the change becoming effective. You will have a choice as to whether or not we use your personal information in this different manner.
If we make any material changes to our personal information privacy practices that do not affect the personal information already stored in our database, we will notify users of the change in the privacy portion of our website.
We will not contact you regarding any change in use or disclosure of your anonymous information because anonymous information is designed to prevent us from being able to do so.
You may opt out of receiving satisfaction surveys and/or information on additional products and services from us.
We may contact you to survey your satisfaction of our service and/or to inform you of additional products and services.
If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page or you can contact us at firstname.lastname@example.org.
If you want to opt out of these surveys and/or notices, you may contact us by email at email@example.com or by mail at PO Box 868, Lafayette, CO 80026.
Please note that you will still receive communications from us regarding your insurance quote, application, policy or advanced premium tax credit even if you opt out of receiving our surveys and/or notices of additional products and services.
Additional Information About Privacy and Security at HealthCare Affairs:
Technologies such as: cookies, beacons, tags, clear gifs, tracking pixels and scripts are used by us and our business and marketing partners, affiliates, and/or analytics or service providers. These technologies are used in analyzing trends, administering this and other sites, tracking users' movements around this site and other sites, customizing content on this and other sites, and gathering information about our user base. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
We use Local Storage, such as HTML5, to store content information and preferences. Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use Local Storage Objects (LSOs) such as HTML 5 or Flash to collect and store information. Various browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash LSOs please click here: http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html
Behavioral Targeting / Re-Targeting / Do-Not-Track
We partner with one or more third party ad networks to manage and display advertising to visitors on our website and to manage and display advertising viewed by visitors on other sites. Our ad network partner(s) use technologies such as cookies, clear gifs and LSOs to collect non-personal information about your activities on this and other websites to provide you targeted advertising based upon your interests and browsing patterns. Such activity is often called behavioral targeting or re-targeting, and this may change the ads or other features you see on our website or other websites that you visit. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out of specific re-targeting programs by clicking here for the TRUSTe opt-out site or here for the NAI opt-out site. These opt-out programs may not be designed to work for all advertising networks or methods. Your browser may also have settings to reduce or eliminate re-targeting, such as an anonymous browsing mode or a mode that does not accept cookies. Currently, our site does not change its behavior based on receiving your browser's "do-not-track" setting or signal. Please note that opting out of re-targeting does not opt you out of being served advertising. You will continue to receive generic ads instead of tailored ads.
Browsers and Internet Security
Any time you enter or provide personal information and sensitive information (such as credit card number and social security number) in our website, we encrypt it using Secure Socket Layer ("SSL") technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. HealthCare Affairs recommends using encryption at least as strong as the 128-bit encryption available in browsers such as recent versions of Microsoft's Internet Explorer or Google's Chrome browser. These browsers will activate SSL automatically whenever you begin shopping for a plan on our website and when you return to our website to complete an application.
In most browsers, you will see either a locked padlock or a key icon to indicate your session connection is taking place via a secure server. This icon indicates you are visiting a secure area within a website.
If you need a strong encryption browser, you can go to the Microsoft website or the Google website to download the latest Internet Explorer or Chrome browser. We do not recommend the use of beta browser versions.
No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at firstname.lastname@example.org.
Your Password and Other Security Issues
The password you enter when you begin an application on our website is your private entry key into your application. You should never share it with anyone.
If you forget your password, we can send your password through email (provided that you gave us your email address as your user ID when you can call 1-720-744-0065 or contacting us through the chat function on our website.
Security Risk of Using Non-Approved Automated Software Applications or security reasons to guard the safety of your data, access to this website is limited to SSL-capable browsers such as recent versions of Microsoft's Internet Explorer or Google's Chrome. Under no circumstance should you use any software, program, application or any other device to access or log-in to the HealthCare Affairs website, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, website or proprietary software.
Links to Other Websites
Our website contains links to other websites. Please note that when you click on one of these links you are "clicking" to another website. HealthCare Affairs is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.
Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at email@example.com In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at firstname.lastname@example.org
Social Media Features and Widgets
Health Insurance Portability and Accountability Act of 1996 (HIPAA)
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY. IF YOU HAVE ANY QUESTIONS OR REQUESTS, PLEASE CONTACT THE PRIVACY CONTACT LISTED AT THE END OF THIS NOTICE.
HealthCare Affairs. ("Agency", "we", "our" or "us") is committed to protecting the privacy of your health information. In conducting our business, we will create records regarding you and the services we provide to you. A federal law, the Health Insurance Portability and Accountability Act of 1996 (HIPAA), requires Agency to take reasonable steps to ensure the privacy of your "Protected Health Information" (as defined below) and to provide you with this notice of Privacy Practices. We will abide by the terms of our Notice of Privacy Practices currently in effect. This notice applies to American Medical Association-sponsored health plans and certain other health plans.
This notice describes your rights concerning "Protected Health Information" ("PHI") about you. PHI is information that may identify you and that relates to (a) your past, present, or future physical or mental health or condition or (b) the past, present or future payment for your health care.
It may be necessary to change the terms of this notice in the future. We reserve the right to make changes and to make the new notice effective for all PHI that we maintain about you, including PHI we created or maintained in the past. If we make material changes to our privacy practices, we will provide you with the revised notice, which we may provide to you in hard copy or electronically, as permitted by applicable law. This notice is effective September 20, 2015.
Uses and Disclosures of Your PHI
This section of the notice explains how Agency uses and discloses your PHI as required or permitted by law. As explained below, in some instances we may request your written authorization to use or disclose PHI.
1. Required Disclosures. Use and disclosure of your PHI may be required by the Secretary of the Department of Health and Human Services to investigate and/or determine Agency's compliance with HIPAA's privacy regulations.
2. Uses and Disclosures Related to Treatment, Payment and Health Care Operations. Agency and its business associates may use or disclose PHI for activities related to treatment, payment and health care operations. As described in the next section entitled "Your Privacy Rights", you have the right to request a restriction on the use and disclosure of your PHI for treatment, payment or health care operations purposes.
Since we are not a health care provider, we do not engage in treatment of individuals and, accordingly, we will not share your information for such purposes. Examples of activities related to payment include payment of health care claims or collection of premiums. Examples of activities related to health care operations include quality assessment and improvement, underwriting, audit services, legal services, data
aggregation, business planning and development, administrative activities related to compliance, customer services, fraud and abuse prevention and detection, and complaint resolution.
3. Other Uses and Disclosures of Your PHI. In addition to the uses and disclosures described above, Agency may use or disclose PHI for the following purposes: for public health activities (for example, to alert public health authorities of public health risks to prevent or control disease, injury or disability or handle situations where a child is abused or neglected or for example, to notify the FDA of problems with a product regulated by the FDA, to notify a person who has been exposed to a communicable disease or may be at risk of spreading or contracting a disease or condition, or providing information to an employer when the employer can have the information for work-related reasons); for health oversight activities (for example, to assist in investigations relating to insurance fraud); for judicial and administrative proceedings (for example, in response to a subpoena or discovery request); for certain law enforcement purposes (for example, required reporting to certain courts or victims, to report a crime, or identify a suspect); for protection against serious harm (for example, to protect victims of abuse, neglect or domestic violence); for specialized government functions (for example, to assist in national security, military and intelligence activities); for certain government-approved research purposes (if certain conditions are met); for workers' compensation purposes (for example, when required by workers' compensation laws); to a coroner, medical examiner, or funeral director (to permit them to carry out their legal duties); in order to facilitate organ donations and transplants; when necessary to prevent or lessen a serious and imminent threat to health or safety; or when required to do so by federal, state, or local law.
4. Use and Disclosure to Family Members or Other Personal Representatives. We may disclose PHI to a family member, guardian, executor, administrator or other person identified by you and authorized by law to act on your behalf with respect to health care. When disclosing information to such a person, we will take appropriate steps to verify the identity of such person.
5. Use and Disclosures to Plan Sponsor (Employer). We may disclose PHI to an employer-sponsor of a group health plan, if applicable, provided that any such plan sponsor certifies: (a) that the information provided will be maintained in a confidential manner and shall not be used for employment related decisions or for other employee benefit determinations or in any other manner not permitted by law; and (b) that the plan documents contain provisions concerning restrictions on how the plan sponsor may use or further disclose PHI.
6. Use and Disclosure to Contact You Regarding Health-Related Benefits and Services. Agency or its business associates may contact you regarding health-related benefits and services that may be of interest to you.
7. Uses and Disclosures to Business Associates. We may disclose PHI to our business associates, such as information systems consultants, production vendors and actuarial consultants, who perform services on our behalf. When we disclose information to a business associate, we will require the business associate to protect the privacy of your PHI through a written agreement with Agency.
8. Uses and Disclosures That Require Your Written Authorization. Your prior written authorization would be required before we may disclose PHI for marketing purposes, disclose PHI if Agency receives remuneration for distribution of the communication, or disclose psychotherapy notes. Other uses and disclosure of your PHI not described in this Notice of Privacy Practices will be made only with your written authorization, unless otherwise permitted or required by law as described in this notice. You may revoke such authorization at any time, except to the extent Agency or its business associates or other entities have relied on such disclosure. Revocation will not affect any uses or disclosures made with your permission before it was revoked. Also, if you gave us permission to disclose your information in order to obtain insurance coverage, you may not revoke it if other law allows the insurer to contest a claim under the policy or the policy itself.
9. Genetic Information. To the extent applicable, we will not disclose any genetic information in our possession for underwriting purposes.
10. Other Applicable Law. In the event applicable law, other than HIPAA, prohibits or materially limits our uses and disclosures of PHI, as described above, we will restrict our uses or disclosures of PHI in accordance with the more stringent standard.
Privacy Notice Statement Pertaining to Personally Identifiable Information (PII)
This Privacy Notice Statement (“Statement”) explains how HealthCare Affairs., (also referred to herein as “we” or “us”) may collect, use and disclose certain personally identifiable information (“PII”) in the course of assisting you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in qualified health plans (“QHPs”) through the Federally Facilitated Marketplace (“FFM” or “Marketplace”) or direct through the carrier, and/or applying for federal subsidies.
PII includes any information that can be used to distinguish or trace your identity, either alone or in combination with other personal or identifying information that is linked or linkable to you. Examples of PII include your name, address, phone number, Social Security Number, date and place of birth, and mother’s maiden name.
This Statement describes, in particular:
The legal authority for our collection of PII;
The purpose of our collection of PII;
To whom and for what purposes PII may be disclosed;
Authorized uses and disclosures of any collected PII;
Whether our request to collect PII is voluntary or mandatory under applicable law; and
The effects of nondisclosure if you choose not to provide requested PII.
Please read this Statement carefully and contact us at email@example.com or 720-744-0065 if you have any questions or concerns.
We will take reasonable steps to ensure that any of your PII in our possession is complete, accurate, and up to date – to the extent necessary to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies – and has not been altered or destroyed in an unauthorized manner. We have implemented operational, administrative, technical, and physical safeguards and procedures, including privacy and security training programs for members of our workforce, to protect your PII and ensure its confidentiality, integrity, and availability, and prevent unauthorized or inappropriate access, use, or disclosure.
In accordance with our established privacy and security standards, which are publicly available upon request, you (or your duly authorized representative) have the right to a simple and timely means of accessing and obtaining your PII in a readable form and format, disputing the accuracy or integrity of your PII, and having erroneous information corrected, substituted or deleted. For instructions as to how to exercise your rights in this regard, please us at firstname.lastname@example.org or 720-744-0065. If the PII in question originated from another source, then you should contact the originating source for this purpose.
Legal Authority for Collection of PII
We have entered into an agreement with the Marketplace, under which we will comply with the Marketplace’s privacy and security standards established by the U.S. Department of Health and Human Services and the Centers for Medicare & Medicaid Services. We may collect, use, or disclose your PII if and to the extent required under applicable law. In all other instances, we may collect, use, or disclose your PII, in accordance with this Statement, to the extent necessary to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies.
Purpose of Collection of PII
The purpose of our collection of PII is to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies.
To Whom and for What Purpose PII May be Disclosed
We may disclose your PII to the Marketplace (or employees, agents or sub‐contractors thereof), certain federal or state agencies, a health insurance issuer offering a QHP that you have selected (or such issuer’s employees, agents, or subcontractors), or any individual who is duly and legally authorized to act on your behalf in connection with your PII. This includes any individuals acting under an appropriate power of attorney or appointment that complies with applicable state and federal law. Your PII may be disclosed to the extent necessary for us to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies.
Authorized Uses and Disclosures of Collected PII
We may use and disclose PII if and to the extent reasonably necessary to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies. We will obtain your informed consent, which you may revoke at any time, for any other uses or disclosures of PII.
Whether Request to Collect PII is Voluntary or Mandatory under Applicable Law Our request to collect your PII, for purposes of assisting you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies, is voluntary.
Effects of Nondisclosure of PII
If you choose not to provide the requested PII to us, then we may be unable to assist you in comparing health insurance plans, obtaining determinations of eligibility for coverage, enrolling in QHPs through the Marketplace, and/or applying for federal subsidies.
Please us at email@example.com or 720-744-0065 if you have any questions or concerns regarding this Privacy Notice Statement, or our collection, use, and disclosure of PII in general.