Your Privacy Notice
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
1. OUR PRIVACY COMMITMENT
As your insurance broker, I assist you with the selection, enrollment, and management of your Life, Health, Disability and Long Term Care insurance coverage. To perform these services, I may receive and handle Protected Health Information (PHI). I am required by law to maintain the privacy of your information and to notify you following any breach of unsecured PHI.
2. HOW WE USE AND DISCLOSE YOUR INFORMATION
I use your information strictly for Health Care Operations. Because I am not involved in underwriting or medical treatment, my use of your data is limited to:
- Enrollment & Eligibility: Sharing your information with insurance carriers to facilitate your enrollment in a plan of insurance or to verify your eligibility for coverage.
- Client Advocacy: Using your information to help you resolve billing disputes, coverage questions, or claims issues with your insurance carrier at your request.
Administrative Requirements: Disclosing information to federal or state oversight agencies if required for audits or legal compliance.
3. SPECIAL PROTECTIONS FOR SUBSTANCE USE DISORDER (SUD) RECORDS
In compliance with 42 CFR Part 2 and the 2026 federal HIPAA updates:
- Heightened Confidentiality: This office does not maintain longitudinal records of SUD treatment. If SUD records are briefly handled to facilitate enrollment, they are subject to strict confidentiality.
- Legal Protections: Your SUD records, or testimony regarding them, will not be used in any civil, criminal, administrative, or legislative proceedings against you without your specific written consent or a court order.
- Redisclosure Warning: Information disclosed to an insurance carrier or other third party at your request may be subject to redisclosure by that recipient and may no longer be protected by federal privacy laws.
4. YOUR RIGHTS REGARDING YOUR PHI
- Access to Data: You may request to see or obtain a copy of the specific enrollment or contact data I have on file for you.
- Request Restrictions: You may ask me to limit how I share your information. While I will attempt to honor these requests, certain disclosures to carriers are necessary to maintain your coverage.
- Accounting of Disclosures: You can request a list of the parties with whom I have shared your PHI for the past six years (excluding disclosures made for enrollment or operations).
5. OUR RESPONSIBILITIES
- Minimum Necessary: I only request and share the minimum amount of information required to complete your enrollment or resolve your service issue.
- No Sale of Information: I will never sell your health information or use it for marketing purposes without your explicit written authorization.
6. COMPLAINTS
If you believe your privacy rights have been violated, please contact me directly. You may also file a complaint with the Secretary of the U.S. Department of Health and Human Services. There will be no retaliation for filing a complaint.