(800) 217-9249
PRIVACY POLICY
As a current and/or potential customer of our agency, we take this opportunity to both thank you and share with you the importance in which we hold the privacy and confidentiality of your insurance and personal information. HCIP Insurance Services, is a member of the insurance services industry, and continues to be subject to federal and state privacy laws regarding the collection and exchange of your insurance information.
Collection of Information
HCIP Insurance Services will only collect the minimum information required to achieve its mission of providing affordable health insurance to individuals and small businesses. The information collected during the application process, enrollment, customer support, and renewals will only be used to ensure the efficient operation, verify the eligibility of an individual, or to claim a premium tax credit or cost-sharing reduction, and the amount of the credit or reduction. This information will not be shared with any other person or entity unless it is required to determine eligibility or enroll in a health plan. In order to facilitate enrollment, and to determine eligibility for QHPs, APTC, and CSR, HCIP Insurance Services must collect information necessary to authenticate identity, citizenship status, residency, income, and incarceration status. This data includes, but is not limited to:
- Demographic Data:Name, Address, Phone Number, Email, Age
- Income Data:Tax Filing Status, Marriage Status, Tax Dependents, Employer, Annual or Monthly Income
- Citizenship Data:Social Security Number, Resident Alien Number, Native American Tribe ID Number, Incarceration Status
- Disability Information:Whether the applicant/household member is blind, disabled, or requires assistance with daily living (this information cannot be used to deny coverage, but may help an individual to become eligible for Medicaid)
- Payment Information:Credit Card Numbers, Checking Account Numbers
- Health Insurance Coverage Information:Past and current health insurance coverage, tobacco use, consumer plan selections, and other information necessary to facilitate enrollment.
Privacy and Information Security Policies and Standards
HCIP Insurance Services follows standards, policies, and procedures designed to protect personal health information (PHI), personally identifiable information (PII), financial information and plan information entrusted to HCIP Insurance Services. HCIP Insurance Services, including employees, agents, and supporting systems adhere to federal security mandates and standards, specifically:
- Health Insurance Portability and Accountability Act (HIPAA) Security and Privacy Rules
- National Institute of Standards and Technology (NIST) guidelines, industry practices for security, confidentiality and auditing
- State-specific security requirements to secure data and information
As we assist in placing your insurance with our carrier partners, both our agency and the carriers work together (as well as individually) to retain uses for only those activities required to underwrite, issue and service your policy of insurance, as well as conduct claims activities- should that be necessary on your behalf. We restrict access to nonpublic personal information about you only to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
We know that you have other choices when it comes to insurance services. That is why we at HCIP Insurance Services appreciate your decision to place your insurance service needs with us. We value you and your business, and look forward to a continuing client relationship with you.