|
|
At Pahealthcoverage, we are strongly committed to protecting your
privacy.
We do not sell, trade or give away your personal information to
anyone.
PAhealthcoverage's Privacy Policy
This PAhealthcoverage Privacy Policy discloses the information privacy
practices for the website you are currently visiting.
This notice,
effective April 1, 2003, is required by the Federal Health Insurance
Portability and Accountability Act of 1996 ("HIPPA) to explain how
Pahealthcoverage.com protects the confidentiality of your heath care
information in its possession. Protected Health Information
("PHI") is defined as any individually identifiable information
regarding a patient’s medical/dental history; mental or physical
condition; or treatment. Some examples of PHI include your name, address,
telephone and/or fax number, electronic mail address, social security
number or other identification number, date of birth, date of treatment,
treatment records, x-rays, enrollment and claims records.
Pahealthcoverage.com discloses your PHI to administer your benefit plan or
as permitted or required by law. Any other disclosure of your PHI without
your authorization is prohibited.
Throughout the 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 involving your health or medical history.
- We do not sell trade or give away your personal information to
anyone.
- We do not disclose personal information to third parties, unless one
of the following limited exceptions applies.
 |
Health Insurance Company. We disclose personal information
directly to your chosen health insurance company to process your
application. Additionally, your personal information may be used by
your chosen health insurance company to bill you if your application
is approved.
|
|
|
Service Providers. We may disclose personal information to
other companies that help us process or service your health insurance
application or 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 health 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.
|
|
|
Legal Obligations. We may disclose or report personal
information when we believe, in good faith, that the disclosure is
required or permitted under law, for example, to cooperate with
regulators or law enforcement authorities or to resolve consumer
disputes. Pahealthcoverage.com will disclose without your prior
authorization in response to one of the following: court order; subpoena
in civil action; investigative subpoena of a government board,
commission or agency; subpoena in arbitration; law enforcement search
warrant; or Coroner’s request during an investigation.
|
We collect personal information in the normal course of business in
order to process your health insurance application and to serve you
better.
|
|
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.
|
|
|
Customer satisfaction and other products. We or our wholly-owned
subsidiaries may contact you to survey your satisfaction of our service
and/or to inform you of additional products and services offered by us
or our wholly-owned subsidiaries. You may opt out of receiving these
additional communications from us by following the opt-out procedures
below.
Outside of these exceptions, we will not share your personal
information with third parties.
|
We gather anonymous information about you for our internal purposes,
and we may share this anonymous information with third parties.
|
|
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.
|
|
|
We use anonymous information primarily for marketing purposes and to
improve the services we offer you.
|
|
|
We or one of our linked websites may use "Cookies,"
"Internet Protocol" addresses or other numeric codes to
gather anonymous information. For a more detailed discussion on
cookies, please see below.
|
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.
|
|
If you want to correct or update your contact information, you may
contact us by email at info@pahealthcoverage.com
or by mail at Customer Service, Stahl & Company, P.O. Box 486
Lionville, PA 19353.
|
|
|
Please note that once your application has been submitted to your
chosen health insurance company, you may have to contact the
insurance company directly to update your application.
|
We will provide notice of changes in our information privacy
practices.
|
|
If we are going to use your personal information in a manner
different from that stated at the time of collection, we will notify
you via email. You will have a choice as to whether or not we use your
personal information in this different manner. In addition, if we make
any material changes to our information privacy practices that do not
affect the personal information already stored in our database, we
will post a prominent notice in the privacy portion of our website
notifying users of the change.
|
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 want to opt out of these surveys and/or notices, you may
contact us by email at info@pahealthcoverage.com
or by mail at Customer Service, Stahl & Company, P.O. Box 486
Lionville, PA 19353.
|
|
|
Please note that you will still receive communications from us
regarding your insurance quote, application or policy even if you opt
out of receiving our surveys and/or notices of additional products and
services.
|
We are available to answer any questions you may have about our
privacy policy or our information privacy practices.
This privacy policy applies to Pahealthcoverage.com, and may not
apply to other linked websites.
|
| The information privacy practices described in this privacy policy
apply only to applications initiated on this website. Accordingly, all
of the personal information you submit to us after initiating an
application on this website shall be governed by this privacy policy.
Additionally, all of the anonymous information collected from this
website shall be governed by this privacy policy.
| |
| Informational links have been established on our website to help
you at various stages of your insurance purchasing decision. Once you
have clicked a link on Pahealthcoverage.com, you are leaving the
Pahealthcoverage.com website and "clicking" to another website. For
convenience, Pahealthcoverage.com creates a frame around the insurance
carrier website with which you are linked. While on a linked website,
Pahealthcoverage.com 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.
| |
| If you want your personal information to be subject to the
information privacy practices described in this website's privacy
policy, you may initiate a new application with Pahealthcoverage.com.
|
Additional Information About Privacy and Security at
Pahealthcoverage.com
"Cookies"
"Cookies" are small files that are stored by your web
browser to help a particular system recognize you and the pages you
visited in a website. Some of the vendors with whom we contract use
cookies to make your online experience more convenient. For example,
vendors may use a cookie to store your account information between
sessions and to maintain information about the quotes you've requested
during your session. Additionally, vendors may use data from cookies
for a variety of purposes. Since the website has been created to help
you help yourself, you will need to obtain privacy information from
each vendor’s website. Even without a cookie, you can still use most
of the features on our website, including e-mailing to obtain quotes
and applying for an insurance policy.
Browsers and Internet Security
Any time you enter or provide personal information to vendors on
our website, vendors 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.
Pahealthcoverage.com recommends using a strong encryption, 128-bit
browser such as Microsoft's Internet Explorer 4.01 or higher or
Netscape Navigator 4.06 or higher. These browsers will activate SSL
automatically whenever you begin shopping for a health plan on our
website and when you return to our website to complete an application.
You can tell if you are visiting a secure area within a website by
looking at the symbol on the bottom of your browser screen. If you are
using Internet Explorer or Netscape Navigator, you will see either a
lock or a key. When the padlock is in the locked position, your
session connection is taking place via a secure server.
If you need a strong encryption browser, you can go to the
Microsoft website or the Netscape website to download the latest
Internet Explorer or Navigator browser. We do not recommend the use of
beta browser versions.
Your Password and Other Security Issues
The password you enter when you begin an application on a vendor’s
website is your private entry key into your application. You should
never share it with anyone.
If you forget your password, you will need to contact the vendor
with whom you have submitted your application.
|
