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(402) 204-8248 Mon-Fri 7am-9pm
Privacy Policy for Health & Life Insurance Pros LLC and ACAEnrollmentNebraska.com
Practices and Standards
This notice explains how your medical information may be used and shared, and how you can access this information. Please read it carefully. This Privacy Policy describes how we use and share your protected health information (PHI) to provide advice, process enrollment, handle payments, and conduct health care operations, as well as for other purposes permitted or required by law. It also details your rights to access and control your PHI. "Protected health information" includes any information about you that can identify you and relates to your physical or mental health, the provision of health care, or payment for health care services.
Uses and Disclosures of Protected Health Information
Advice: We use your PHI to assess your overall health insurance needs. This may involve checking insurance drug formularies to ensure your prescriptions are covered or contacting your doctors to confirm their participation in your selected plan.
Enrollment: We use and share your PHI on third-party quoting platforms to generate quotes and facilitate your enrollment on your state's preferred platform (e.g., healthcare.gov, healthsherpa.com), Medicare, or carrier systems. We may also use your PHI to complete applications for off-market plans, such as Short Term Medical and Off-Exchange Major Medical plans, at your direction. For example, once you receive a quote and decide on a plan, we will use your PHI to help you apply through the appropriate marketplace, listed as your assistor under the "Were you helped" tab.
Payment: Your PHI will be used as needed to make payments to your health insurance carrier. For instance, we may log in to the healthcare.gov system to process your first payment.
Healthcare Operations: We may use or share your PHI to support the business activities of our brokerage. These activities include quality assessment, employee review, training of enrollers, licensing, and other business operations. For example, we might disclose your PHI to the marketplace as your appointed advisor to discuss plan changes or appeals updates. We may also call you by name in our lobby when we are ready for you.
We may also use or disclose your PHI without your authorization in certain situations, including as required by law, for public health issues, communicable diseases, health oversight, abuse or neglect, FDA requirements, legal proceedings, law enforcement, coroner requests, funeral director requests, criminal activity, national security, and worker's compensation. Under the law, we must make disclosures to you when required by the Secretary of the Department of Health and Human Services to ensure our compliance with Section 164.500.
Other Permitted and Required Uses and Disclosures: These will only be made with your consent, authorization, or opportunity to object unless required by law.
You can revoke your authorization at any time in writing, except to the extent that we have already acted based on the authorization.
Your Rights
You have certain rights regarding your PHI, including:
Inspect and Copy: You have the right to see and get a copy of your PHI. However, under federal law, you may not inspect or copy certain records, such as those compiled in anticipation of legal actions or subject to laws that prohibit access.
Request Restrictions: You can ask us not to use or disclose any part of your PHI for specific purposes, such as advice, enrollment, payment, or healthcare operations. You can also request that we not disclose your PHI to family members or friends involved in your care. Your request must specify the restriction and to whom it applies.
Confidential Communications: You can request that we communicate with you through alternative means or at alternative locations.
Paper Copy: You have the right to obtain a paper copy of this notice upon request, even if you have agreed to receive it electronically.
Amend: If you believe your PHI is incorrect or incomplete, you can request an amendment. If we deny your request, you have the right to file a statement of disagreement, and we may prepare a rebuttal to your statement, which we will provide to you.
Accounting of Disclosures: You have the right to request an accounting of certain disclosures we have made of your PHI.
We reserve the right to change the terms of this notice and will notify you of any changes by mail. You then have the right to object or withdraw as provided in this notice.
Complaints
If you believe your privacy rights have been violated, you can file a complaint with us or with the Secretary of Health and Human Services. We will not retaliate against you for filing a complaint.
We are required by law to maintain the privacy of your PHI and to provide you with this notice of our legal duties and privacy practices. If you have any questions about this policy, please contact us at:
Health & Life Insurance Pros LLC
14225 Dayton Circle Suite 5 Omaha, NE 68137
info@healthandlifepros.com
(402)204-8248