 UnitedHealthcare Internet Privacy Policy
Golden Rule Insurance Company Notice of Information Practices
Respecting your right to privacy
UnitedHealthcare Internet Privacy Policy
We're very sensitive to privacy issues and respect your right to privacy. It's important for you to know how we handle the information we receive from you via the Internet.
Respecting your right to privacy
All of our business practices are in full compliance with the privacy requirements under the Health Insurance Portability and Accountability Act (HIPAA).
Protecting your confidential information
We have taken precautionary measures to make all information received from our online visitors as secure as possible against unauthorized access and use.We do not sell or share information to companies outside of our UnitedHealth Group organization.
However, it may be necessary for us to provide information to contracted external partners in order to respond to your inquiries and to provide you with services on our behalf. They may only use the information provided for the specified use and project.
Your online preferences
We use "cookie" technology to obtain usage information from our online visitors.You may disable your cookie information by adjusting your browser preferences on your personal computer at any time. Keep in mind that cookies do not identify a specific user and are not used to collect any personal information.
In order to provide you with the best possible service and relevant information to you, we use cookies to:
- Track resources and data accessed on the site per visitor
- Record general site statistics and activity
- Assist users experiencing Web site problems
Your data is safe
We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site.
Our Online Communication Practices
You should know that unless otherwise noted, the email functionality on our site does not provide a completely secure and confidential means of communication. It is possible that your email communication may be accessed or viewed inappropriately by another Internet user while in transit to us. If you wish to keep your information completely private, you should not use email.
We may send email communications to you related to general health benefits, Web site updates, health conditions and other general health topics.
We may also send electronic newsletters on a periodic basis to various individuals and organizations. To opt-out of the newsletter you're receiving, click on the opt-out button associated with the specific communication.
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Golden Rule Insurance Company Notice of Information Practices
THIS NOTICE DESCRIBES HOW MEDICAL AND OTHER PERSONAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED. IT ALSO DESCRIBES HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW THE NOTICE CAREFULLY.
You entrust us with individually identifiable health and financial information (referred to as "personal information" in the rest of this notice). You are our best and most important source of information about you and others listed on your application. We may also collect personal information about you from others. For example, we may collect it from health care providers, employers, or insurance companies.
EXAMPLES OF INFORMATION WE MAY COLLECT AND MAINTAIN
Your name, address, telephone number, social security number, date of birth, gender, marital status, assets, income, E-mail address, policy or account number, account balance, policy coverage, premium payment, claims history, premium contribution amounts, medical information, motor vehicle reports, details about your transactions with other insurance companies, and details from consumer-reporting agencies.
INFORMATION WE ARE PERMITTED TO USE AND DISCLOSE WITHOUT AN AUTHORIZATION
We may use and share the personal information described above. We will use and share it only as permitted or required by law. Examples include, but are not limited to, the following situations:
- To a company affiliated with us.
- To those who act on our behalf. They are required to keep the information confidential. They are required to use the information only to provide the services we have asked them to provide. They may include payment processing companies, mailing houses, data processing companies, business consultants, system support vendors, Internet vendors, and those that provide access to provider discounts for our insureds.
- To financial institutions with which we jointly offer, endorse, or sponsor a financial product or service.
- To the individual who is the subject of the information.
- To an insurance regulatory authority.
- For payment, such as using details received from an insurance company to coordinate benefits.
- For payment, such as to a health care provider to identify insurance coverage or benefits.
- For treatment, such as to your health care providers to help them provide medical care.
- For health care operations, such as exchanging information with another insurance company to detect or prevent criminal activity, fraud, and material misrepresentation.
- To provide appointment reminders or information about treatment alternatives or other health-related benefits and services that may be of interest to you.
- To a group health plan sponsor.
- For public health activities such as to prevent or control disease, injury, or disability.
- To persons involved with your care, such as a family member, when you are incapacitated or in an emergency.
- To health oversight agencies for compliance purposes.
- In response to a court or administrative order.
- In response to a subpoena, discovery request, or other lawful process by another person involved in a dispute.
- For law enforcement purposes.
- To coroners, medical examiners, or funeral directors.
- To avert a serious threat to health or safety to you, another person, or the public.
- To federal officials for intelligence, counter-intelligence, and other national security activities.
- To worker's compensation or other programs that provide benefits for work-related injuries or illness.
ALL OTHER USES AND DISCLOSURES OF PERSONAL INFORMATION
All other uses and sharing of personal information, not permitted or required by law, will be made only with your written authorization. You may revoke the authorization in writing. If you do, we will no longer use or share the information for the reasons covered by the authorization -- unless we have taken action based on the authorization. We are unable to withdraw any disclosures we have already made with your authorization.
YOUR RIGHTS REGARDING YOUR PERSONAL HEALTH INFORMATION
With respect to your personal health information, you have the following rights:
- To inspect and obtain a copy of it.
- To request that we amend it.
- To receive details about our sharing of it.
- To request that we communicate with you about it by alternative means or at an alternative location if our sharing of all or part of it could endanger you.
- To request that we restrict the use and sharing of it. (We do not have to agree.)
- To receive a paper copy of this notice at any time.
Additional rights may be available under state law. There are some exceptions to these rights. Please send a written request to the address below.
FORMER CUSTOMERS
If your customer relationship with Golden Rule ends, we will still treat your information as described in this notice.
SECURITY OF PERSONAL INFORMATION
We maintain physical, administrative, and technical safeguards to guard your information. We limit employee access to information based on job duties.
FAIR CREDIT REPORTING ACT NOTICE
In some cases, we may ask a consumer-reporting agency to compile an investigative consumer report about you. If we request such a report, we will notify you promptly with the name and address of the agency that will furnish the report. You may request in writing to be interviewed as part of the investigation. The agency may retain a copy of the report. The agency may disclose it to other persons as allowed by the federal Fair Credit Reporting Act.
MEDICAL INFORMATION BUREAU
We or our reinsurers may make a report of personal information in conjunction with our membership in the Medical Information Bureau (MIB). This is a nonprofit organization of life insurance companies, which operates an information exchange on behalf of its members.
If an application or claim for benefits is submitted to another Bureau member company for life or health insurance coverage, the Bureau, upon request, will supply such company with information in its file.
If you question the accuracy of information in the Bureau's file, you may seek a correction in accordance with the procedures set forth in the federal Fair Credit Reporting Act. Contact the Bureau at:
MIB, Inc.
P.O. Box 105
Essex Station
Boston, MA 02112
617-426-3660
www.mib.com
OUR DUTIES
We are required to keep your personal information private. We are providing this notice of our legal duties and privacy practices. We will abide by the terms of this notice as currently in effect.
If you believe your privacy rights have been violated, you may send a written complaint to Golden Rule at the address below. You may also write to the Secretary of the Department of Health and Human Services. We will not take action against you for filing the complaint.
You will receive this notice each year. We reserve the right to change the terms of our notice. We reserve the right to make the new notice apply to all personal information that we maintain. We will send a new notice within 60 days of any material change. We will mail it to your last known address or by E-mail if you have agreed to electronic notice. For more information or to obtain a copy, please contact:
Golden Rule Insurance Company
Attn: Privacy Official
712 Eleventh Street
Lawrenceville, IL 62439
618-943-5064
This notice, effective January 2004, is being provided on behalf of Golden Rule Insurance Company and the following affiliated companies: Ad-Ventures, Inc.; All Savers Insurance Company; Executive Systems; Golden Rule Financial Corporation; and Rooney Life Insurance Company.
Interested in obtaining a new health plan? Contact one of our advisors at 866-669-7434.
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