Your information is collected securely over the internet with 128-bit SSL encryption security.
We NEVER sell or rent your contact information, EVER.
We share your information ONLY with insurance carriers, the applicable exchange (marketplace), or general agencies for purposes of determining Affordable Care Act plan, Advance Premium Tax Credit, or Cost- Sharing Reduction eligiblity; obtaining quotes; determining premium class for life insurance; obtaining quotes for any type of health policy (e.g. a supplemental health insurance policy or Short-Term Health insurance) that requires some form of medical underwriting; recommending plans; helping in the administration of your policy; or determining your interest in other types of coverage.
We follow HIPAA, HITECH, CMS (Centers for Medicare and Medicare Services), state regulatory and insurance company guidelines and requirements. We also follow Affordable Care Act, marketplace and IRS privacy and security guidelines and requirements and are signatories to both the Individual Marketplace Privacy and Security Agreements. We send and receive replies containing Protected Health Information (PHI) and Personally Identifiable Information (PII) using secure email or attended fax.
Compliance with FFM (Federal-Facilitated Marketplace) Privacy and Security Agreements. As a signatory to the FFM privacy and security agreements for individual/family plans, we are required to publish an Affordable Care Act Privacy Notice Statement. IF YOU ARE BUYING A POLICY THROUGH THE FFM AND WE ARE ASSISTING YOU, YOU SHOULD DOWNLOAD A COPY OF THE REQUIRED PRIVACY NOTICE STATEMENT here. If we assist you with any function not specifically identified in the Privacy Notice Statement, you are entitled to INFORMED CONSENT. LEARN MORE.
We protect the confidentiality and security of your personal and health infomation. We maintain physical, electronic and procedural safeguards to protect your personal and health information.We collect Personally Identifiable (PII) and Personal Health Information (PHI) only to the extent necessary to determine your eligibility for insurance coverage; to complete or help complete your application; help correct billing or other errors with your insurance company; or to explain your policy's coverage and network provider provisions. If you request a quote on this website, required information is noted with an asterisk on the applicable quote form. Unless you provide this information we will be unable to provide you with a quote.
Your access to and control over information. You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us by email at email@example.com or by phone at 877-734-3884. You may contact us to:
- See what data we have about you, if any
- Change/correct any data we have about you
- Have us delete any data we have about you
- Express any concern you have about our use of your data
Applying for Insurance. If you create an account on one of the exchanges and ask us to assist you in making application and/or choosing a plan; ask us to help you apply for an Affordable Care Act plan involving the use of ACA Express (our web broker software); or apply through a carrier's website, use a paper application, or by telephone, we (or the carrier) may ask you to provide personal, financial, and/or health information about you or one of your dependents. This information helps determine plan eligibility (and is also used to verify whether your provider accepts the plan and if your medications are covered under the plan if you are applying for a health plan). We follow CMS, marketplace, IRS, HIPAA, and HITECH rules in collecting this information. 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.
If you apply for another type of policy (e.g. life, final expense, Short-Term Health insurance and/or supplemental health insurance that requires any form of full, expedited, or simplified underwriting, we will request PII and PHI that the carrier requires in order to review and process your application. We can not help you apply for one of these types of policies unless you provide this information because the carrier will not process your application unless they receive it.
Security of information. We send information containing personally identifiable information (PII) and/or protected health information (PHI) by secure encrypted email; utilize secure government, web brokerage, or carrier websites; or fax the information (using a coversheet) to an attended secure fax. Our computers are all encrypted. We take precautions to protect your information both online and offline. We are prohibited from asking you for your password to your healthcare.gov account and can not make an application for you by using your healthcare.gov account. However, with your permission, we may guide you through the process of making your own application through healthcare.gov.
Wherever we collect sensitive information (such as income or information about health conditions for underwritten policies including life or final expense insurance; Short-Term Health insurance; or a supplemental health insurance policy), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your browser or looking for "https" at the beginning of the address of the web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only those who need the information to perform a specific job are granted access to PII or PHI. The computers in which we store PII and PHI are kept in a secure environment.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, we may call or email 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.
Privacy and security policy. We have developed and implemented a privacy and security policy.
The information gathered by the cookie is whatever information you put in the fields of our quote forms. Once you submit the form the cookie is no longer needed, so it is deleted.
Your experience on our site other than for the Health Insurance, Life Insurance or Supplemental Health Insurance Quote forms will not be affected by whether or not you accept cookies from this site. You must accept cookies in order to fill out any of these quote forms.
If you decide to stop being contacted by us for any reason, you may send an email with "UNSUBSCRIBE" in the headline to firstname.lastname@example.org.
You may also call us at 877-734-3884 or 561-734-3884.