Notice of Privacy Practices

To comply with laws and regulations which have been adopted relating to the use of nonpublic personal, financial, and health information (PHI) and to assure you of our commitment to maintain the privacy of such information, we are sending you this Privacy Notice. These privacy regulations may impact our ability to directly obtain information about you or your dependents from insurance companies or providers necessary to provide some customer service functions. These privacy rules are designed help ensure the confidentiality of your private information - a goal we heartily support.  In the future we reserve the right to change the terms of this notice and make the revised notice effective for all protected information we maintain. If changed, a corrected Notice will be sent to you.

INFORMATION WE COLLECT OR RECEIVE

We collect or receive nonpublic personal information about you from the following sources:

• Information you provide on applications or other forms (such as your name, address, telephone number, dependents, social security number, health history, and date of birth);
• Information we receive from other sources. For example: From insurance companies regarding your coverage and claims.
• Information about your transactions with us, our affiliates or others (such as your payment history, underwriting and claims documents); and
• Information we receive from your employer, service providers, or government agencies.

INFORMATION DISCLOSURE

Other than explained below, we do not disclose or sell any nonpublic personal information about our customers, or our former customers to anyone except as permitted, or required, by law.

PRIVACY POLICIES AND PRACTICES USES AND DISCLOSURES

We recognize the importance of properly maintaining the privacy of your personal information.  We are committed to protecting the confidentiality and security of your nonpublic personal information and PHI. We therefore restrict access to nonpublic personal information and PHI about you to our employees, affiliated companies, agents, insurance company representatives, medical professionals and other companies or individuals with whom we work who need to know that information to provide the products and services requested by you or your employer. Some of these services include, but are not limited to, purchasing insurance coverage, processing claims and claims assistance, coordination of benefits, to assist you, and to conduct our business related to our transactions with you. We may disclose private information and PHI for purposes of treatment, payment and healthcare operations (TPO). We may disclose protected information to your employer as the plan sponsor and administrator of a health or welfare plan. We may also disclose information as required by court order or otherwise compelled by law. We may also disclose protected information to other entities to help us report, prevent, or detect fraud. We may use protected information and PHI to provide you with information about alternative products and services that may be of interest to you. When disclosing private personal or health information we will disclose the minimum amount of information necessary to achieve the intended task. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information and PHI.

If your business relationship with us should end, we will continue to follow the privacy policies described in this notice to the extent that we retain information about you. If we no longer need to retain that information we will dispose of it in a secure manner.

You have the right to request reasonable restrictions on disclosure of your personal information for TPO purposes. We will attempt to accommodate your request. If you wish to inspect the information we have on file please submit your written request to our Privacy Officer, Paul Hecomovich at the address on the top of this page. A reasonable fee will be charged for processing. You may mail or bring your request to our office.  We have 30 days to respond if we have the records on site. If you feel that your information has been improperly disclosed you have the right to file a formal written complaint with us at the address above or with the Department of Health & Human Services within 180 days of the time you became or should have become aware of the problem.  We will not retaliate against you for filing a complaint.  For more information about HIPAA or to file a complaint: The US Department of Health and Human Services, Office of Civil Rights, 200 Independence Ave, S.W.  Washington DC 20201.

In the event you have a question please call us at 303-771-9661 or the DHHS at 1-877-696-6775.