Privacy Policy

PRIVACY STATEMENT

This Privacy Statement describes our privacy and security practices in connection with the information we collect through use of our services (“Services”). We are committed to assuring users of our services ("User(s)") that their information is secure and maintained in confidence, consistent with applicable state and federal laws. Thank you for your interest in Medicare Health-Plans (“ Medicare Health-Plans ,” “we,” “us,” or “our”). This Privacy Policy (“Policy”) applies to the following websites owned and operated by Medicare Health-Plans, and our other websites where we post this document as the applicable Privacy Policy, along with any related websites, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us:

The following sections describe our privacy and security practices:

HOW DO WE ACQUIRE PERSONAL INFORMATION? Insurance Companies, Licensed Agents and Business Partners, HSA Trustees or Administrators, and Government-run Exchanges and Entities

If you submit an application 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 use personal information for the following purposes:

Responding to inquiries or requests from you;
Delivering web-based products and services to you, such as our instant quote services; and,
Facilitating health insurance enrollment through our electronic enrollment process

HOW DO WE ACQUIRE AND USE NON-PERSONALLY IDENTIFIABLE INFORMATION?
We protect the confidentiality and security of your personal information. When you use our Services, we may collect certain Non-Personally-Identifiable Information such as demographic information. This data helps us identify the insurance product you are seeking and to provide you with an accurate insurance quote. Because Non-Personally Identifiable Information does not personally identify you, we may use and disclose such information for any purpose permitted by law, including:

We maintain generally accepted standards for 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.
"Cookie" technology: A "cookie" is an element of data that we can send to your browser when you link to our Services. It is not a computer program and has no ability to read data residing on your computer or instruct it to perform any step or function. We store this information in order to track usage patterns. Cookies are totally harmless and do not hurt your computer, nor do they compromise your identity or provide us any other information other than what you, as the potential customer, willingly supply to us.
IP Address: When you subscribe to an Internet Service Provider (ISP), your computing device is assigned an IP Address. We may track and store this address to help us manage security, monitor usage volume and patterns, and to customize experience and content.t

INFORMATION COLLECTED ONLINEAt Medicare Health-Plans, we are strongly committed to protecting your privacy. To serve as your licensed insurance agent, we will ask you to provide us with personal information about you. We use your personal information to help you find and, if you choose to do so, apply for health insurance and other products that may be of interest to you and your family. We only use and disclose your personal information in accordance with our Policy. Additionally, we use industry-leading technologies to ensure the security and confidentiality of the personal information you provide us. Throughout this Policy, we refer to information that can identify you as a specific individual, such as your name, phone number, email address, Social Security number or credit card number, as “personal information”. Further, personal information includes any information about your health or medical history that you may provide us in a health insurance application or any financial or other sensitive personal information that you may provide us in an application to obtain an advanced premium tax credit (or “subsidy”) determination from the government. If you provide information directly to one of our partners or any other third party, then your information would be governed by such other party’s privacy policy.

As you navigate through our Services, we may ask you to disclose certain information so that we can provide you with quality information and services. In order for you to make an informed decision about whether to disclose your information to us, we are providing you with the following information about how we collect and use your information. Whether or not we need to collect information from you, how much information we collect, and whether such information is personal information will depend on how you use our Services. For many features, you do not need to provide us any personal information to review health care insurance quotes. For some of our features, you are required to provide contact information such as name, phone number, and email address in order for us to fulfill your request. We use this information to contact you about the services in which you have expressed interest or to facilitate the enrollment into a health plan of your choice.

By using our Services, setting up a user account, or completing a health insurance application facilitated by us, you consent to our processing of your personal information as set forth in this Privacy Statement.

HOW DO WE STORE YOUR PERSONAL INFORMATON?

Information provided by Users to us is used only for the sole purpose of completing your request and retained to provide a record of such communications, and to comply with any applicable legal and/or regulatory requirements. All information submitted through the utilization of our Services is stored in our secured database. We do not use this information except to process your request for providing instant quotes, forwarding it to an insurance agent with your explicit consent, or facilitating health insurance enrollment through our electronic enrollment process.

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. Medicare Health-Plans or John Valdes Insurance Agency is 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.

HOW DO WE USE YOUR INFORMATION COLLECTED ONLINE?

Consistent with the requirements set forth under certain state and federal laws, we grant access to personal information only to qualified employees, licensed insurance agents as required to provide health insurance products and services, and to facilitate health insurance enrollment, as you choose. All such employees or licensed insurance agents are oeither subject to this Privacy Statement or privacy policy specific to their entity. If you complete a health insurance application with us which is processed through our electronic enrollment process, we will disclose your personal information to the insurance company in order to complete your enrollment application. Certain sensitive information may be required by the insurance company in the health insurance application process.

When you request to be contacted by an insurance agent, you are explicitly granting a consent in allowing us to provide your contact information to a licensed insurance agent. In addition, we may use any information submitted by you through the utilization of our Services to provide improved customer service, to provide relevant health care insurance related information, to provide information regarding general health topics, to provide updates, news, event notices and announcements, to update information we have about you, and to monitor the effectiveness of our online services.
If you receive e-mail updates, news, announcements and/or special notices from us, we use the name, demographic, e-mail and other contact information you supply to provide those updates, news, announcements and notices. You may remove yourself from these mailings by contacting info@medicarehealth-plans.ciom.

HOW DO WE PROTECT YOUR INFORMATION? The security, integrity, and confidentiality of your information are extremely important to us. We use commercially available computer security technology selected and implemented to provide adherence to the security and privacy policies described in this policy. We have implemented technical, administrative and physical security measures that are designed to protect your information from unauthorized access, disclosure, use and modification. We regularly review our security practices to consider appropriate new technology and methods. We also periodically subject our Services to simulated intrusion tests and have developed comprehensive disaster recovery plans. However, please be aware that despite our best efforts, there is always some risk in sending information over the Internet.
We do not contact individuals that are not interested in receiving information from us or have not provided us consent to be contacted. When you fill out our “Contact Me” request form or set up a user account, you are explicitly opting in and consenting to receive information and, as such, are waiving any right (including claims under the Telemarketing Sales Rule) extending in perpetuity to claim that we contacted you without your express consent. At any time we will immediately honor any request to be placed on our internal “do not contact” list.

SECURITY RISK OF USING NON-APPROVED AUTOMATED SOFTWARE APPLICATIONS For 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 website, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, website or proprietary software.

YOUR REQUESTS FOR PRODUCTSIf you request to be contacted about any type of insurance product, request to be contacted by a licensed agent or other representative, request assistance with enrolling in any type of insurance product or make any other request for someone to contact you (such as by filling out an online request form), then our agents or representatives may contact you, or we may disclose your personal information to a third-party insurance agency, insurance agent, insurance company or other appropriate entity, so that such entity may contact you about any product in which you indicated interest or may assist you in enrolling in any such product. Any additional information that you subsequently choose to provide to any third-party entity will be governed by that entity’s privacy policy.

LEGAL DISCLAIMERWe reserve the right to disclose your personally identifiable information as required by law such as pursuant to a subpoena, regulatory oversight, other legal process or when we believe that disclosure is necessary to protect our rights.

CHANGES TO ONLINE PRIVACY POLICY

We reserve the right to change, modify or update this online privacy policy at any time without notice. We will post changes, modifications and updates to this location. Please review this online privacy policy on a periodic basis. This Privacy Statement is not intended to and does not create any contractual or other legal rights in or on behalf of any party.
TESTIMONIALSWe 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 info@medicarehealth-plans.com.

SOCIAL MEDIA FEATURES AND WIDGETS

Our website includes social media features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our website. Your interactions with these features and widgets are governed by the privacy policy of the company providing it.

Medicare Health-Plans website is operated by Medicare Health-Plans and is licensed for health insurance. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. Medicare Health-Plans and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.