At E HealthCare Options INC, your privacy is of utmost importance to us. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you interact with our website and services. By accessing or using our services, you agree to the terms outlined in this policy. We encourage you to read this Privacy Policy carefully to understand our practices regarding your personal data and how we will treat it.
We are authorized to collect personal information (PI) from you by applicable federal and state laws. The requested PI is mandatory under these laws and CMS requirements. If you choose not to provide the requested PI or do not respond to certain questions, your application will be denied.
Any PI we collect is used to create and manage your account, communicate with you about your account, and help you apply for financial help and/or enroll in a Marketplace qualified health plan (QHP).
If you choose to provide us with PI, we may share this information with the Centers for Medicare and Medicaid Services (CMS). This information will be maintained in a federal System of Records and may also be shared with other related entities.
This Privacy Policy applies to all personal information collected through:
• Our Website: www.ehealthcareoptions.net and any other websites operated by us where this policy is posted.
• Mobile Applications: Any mobile applications provided by us.
• Services: All products, services, and functionalities offered through our websites and applications.
• Offline Interactions: Includes phone calls, emails, and other communications with our representatives.
Our services may contain links to external sites or services that are not operated by us. Please be aware that we have no control over the content and practices of these sites and cannot accept responsibility or liability for their respective privacy policies. We encourage you to review the privacy policies of any third-party sites you visit.
E HealthCare Options INC is a cutting-edge online platform dedicated to connecting consumers seeking health insurance with trusted and licensed agents. Our mission is to provide a seamless experience where consumers can:
• Shop and Compare: Explore a wide range of medical, life, dental, and vision insurance products offered by top carriers nationwide.
• Get Educated: Access valuable information on health insurance, the Affordable Care Act, and other relevant topics.
• Connect with Agents: Engage with knowledgeable agents licensed in your area to find the best insurance solutions tailored to your needs.
We collect information that you provide directly to us. This includes when you register for an account, solicit a health insurance quote, or prepare and submit a health insurance application, either directly or on behalf of another individual.
We gather personal information to enhance and provide our services, communicate with you, and fulfill legal obligations. The types of information we collect include:
• Full Name: First, middle, and last names.
• Date of Birth: To verify age eligibility and for identity verification.
• Social Security Number: Used for identity verification and, where applicable, for processing insurance applications.
• Spousal Information: If you are applying for joint coverage, we may collect similar identity information about your spouse or partner.
• Marital Status
• Gender
• Education Level
• Military Service History: For eligibility verification and special programs.
• Postal Address: Billing and mailing addresses for correspondence.
• Email Address: For communication, account access, and notifications.
• Telephone Numbers: Including mobile, home, and work numbers for contact purposes..
• Driver's License Number: For identity verification where necessary.
• Driving Record Information: May be required for certain insurance products..
• Payment Card Details: Credit or debit card numbers, expiration dates, and security codes for processing payments..
• Bank Account Information: For transactions and premium payments
• Credit Information: With your consent, we may obtain credit reports to determine eligibility for certain products.
• Health and Medical History: Necessary for certain insurance applications and to provide tailored insurance options.
• Protected Classification Characteristics: Such as age, race, ethnicity, and disability status when required by law or with your consent.
• Credit Information: With your consent, we may obtain credit reports to determine eligibility for certain products.
When you interact with our digital properties, we collect technical data to enhance your user experience and improve our services:
• Device Type: Whether you are using a computer, tablet, or mobile device.
• Operating System: Information about your device's operating system and version.
• Browser Type and Version
• IP Address: Helps us understand geographical access patterns.
• Cookies and Tracking Technologies: Small data files stored on your device to enhance website functionality.
• Log Files: Records of actions occurring on our website.
• Page Views and Click-Throughs: Data on pages visited and links clicked.
• Approximate and Precise Location: Collected via GPS, IP address, or other location-based technologies with your consent.
We may obtain information about you from other sources, including:
• Credit Bureaus: Credit history and reports for eligibility assessments.
• Service Providers: Partners who assist us in delivering services.
• Public Records: Information from government databases and public registries.
• Social Media Platforms: Information from your interactions with our social media pages.
We use your personal information for various purposes, including:
We will use and retain the collected personal information (PI) as needed to provide our Services or for the following durations, in accordance with CMS guidelines:
• Category A: 10 years
• Category B: 10 years
• Category C: 10 years
• Category D: 10 years
• Category F: 10 years
• Category K: 10 years
• Category L: 10 years
Category L information may be used or disclosed to a service provider or contractor for additional specified purposes. You have the right to limit the use or disclosure of your sensitive personal information.
Additionally, we may collect other PI outside of these categories through various interactions with us, such as:
• Receiving help through our customer support channels
• Participation in customer surveys or contests
• Facilitation in the delivery of our Services and responding to your inquiries
• Processing Transactions: Facilitating insurance applications, quotes, and policy issuance.
• Customer Support: Responding to inquiries, providing technical support, and improving customer service.
• Personalization: Tailoring content, recommendations, and offers to your preferences.
• Promotional Materials: Sending you news, special offers, and general information about goods, services, and events we offer.
• Surveys and Feedback: Requesting your input to improve our services.
• Opt-In Communications: Sending you newsletters and other updates if you subscribe.
• Legal Obligations: Complying with laws, regulations, court orders, and law enforcement requests.
• Fraud Prevention: Protecting against, identifying, and preventing fraud and other unlawful activity.
• Usage Analysis: Understanding how our services are accessed and used.
• Service Improvement: Developing new features and improving existing ones based on user interactions.
We use cookies and similar tracking technologies to:
• Enhance User Experience: Remember your preferences and settings.
• Performance and Analytics: Collect data on how our services are used to improve functionality.
• Marketing: Deliver personalized advertisements and assess the effectiveness of our marketing campaigns.
Your Choices Regarding Cookies:
• Cookie Settings: You can modify your browser settings to decline cookies or alert you when cookies are being sent.
• Opt-Out: Certain third-party services offer opt-out mechanisms for interest-based advertising.
Performance and Functionality Cookies: These cookies enhance the performance and functionality of our Website but are non-essential to their use. Without these cookies, certain functionality (like videos) may become unavailable.
• Name: check
Purpose: Determines if a visitor supports cookies. Set each time a visitor requests a page.
Provider:
Service: Adobe Audience Manager View Service Privacy Policy
Country: United States
Type: pixel_tracker
Expires in: session
• Name: ljt_reader
Purpose: Enables Lijit to recognize user browser or device when they return to their site or one of their partner’s sites.
Provider: .
Service: Lijit Reader View Service Privacy Policy
Country: United States
Type: server_cookie
Expires in: 11 months 30 days
• Name: PHPSESSID
Purpose: General purpose identifier used to maintain user session variables. Example: maintaining a logged-in status.
Provider:
Service: PHP.net View Service Privacy Policy
Country: United States
Type: http_cookie
Expires in: session
Analytics and Customization Cookies: These cookies collect information used either in aggregate form to help us understand how our Website is being used, how effective our marketing campaigns are, or to help us customize our Website for you.
• Name: sd
Purpose: _________
Provider:
Service: _________
Country: United States
Type: pixel_tracker
Expires in: session
• Name: i
Purpose: Used by Yandex Metrica for identifying site users. Exists for a maximum of 1 year.
Provider: .openx.net
Service: Yandex Metrica View Service Privacy Policy
Country: _________
Type: server_cookie
Expires in: 11 months 30 days
• Name: tap.php
Purpose: Registers anonymized user data such as IP address, geographical location, visited websites, and ads clicked to optimize ad display.
Provider:
Service: Rubicon Project View Service Privacy Policy
Country: United States
Type: pixel_tracker
Expires in: session
• Name: ab
Purpose: Collects data on user visits to a site for targeted marketing.
Provider: .agkn.com
Service: Neustar View Service Privacy Policy
Country: _________
Type: server_cookie
Expires in: 11 months 30 days
• Name: _ga
Purpose: Records ID used to compile data about website usage. Expires after 2 years.
Provider: .feedspot.com
Service: Google Analytics View Service Privacy Policy
Country: United States
Type: http_cookie
Expires in: 1 year 11 months 29 days
We may share your Personally Identifiable Information with the Centers for Medicare and Medicaid Services (CMS) to determine your eligibility and enroll you in health insurance plans available on the federal healthcare exchange.
CMS and Related Entities: Your personal information may be shared to facilitate financial aid applications and health plan enrollments. If you choose to provide us with PI, this information will be shared with CMS and maintained in a federal System of Records. Additionally, your PI will be shared with other related entities as necessary.
Mandatory Personal Information: The requested PI is mandatory under applicable laws and CMS requirements. Failure to provide the requested PI or respond to certain questions will result in the denial of your application.
• Licensed Agents and Brokers: To facilitate your insurance applications and provide you with insurance options.
• Insurance Carriers: Companies offering insurance products you are interested in.
• Third-Party Vendors: Companies that provide services on our behalf, such as payment processing, data analysis, analytics, fraud prevention, and communication facilitation.
• IT and Security Providers: Services that help secure our infrastructure and protect your data.
• Within Our Corporate Family: Sharing information with entities under common ownership for consistent service provision.
• Law Enforcement and Regulatory Agencies: When disclosure is necessary to comply with legal obligations.
• Protection of Rights: To enforce our agreements, policies, and terms of service.
• Mergers and Acquisitions: In case of a merger, acquisition, or sale of assets, your information may be transferred.
We prioritize the safeguarding of your personal information through:
• Encryption: We use strong encryption protocols to protect your personal data during transmission and storage. Your data is securely transmitted using SSL (Secure Socket Layer) technology.
• Firewalls and Intrusion Detection: Our systems are protected by firewalls and monitored by intrusion detection systems to detect and prevent unauthorized access.
• Monitoring: Regular monitoring of systems for vulnerabilities and attacks.
• Access Controls: Limiting access to personal information to authorized personnel.
• Employee Training: Our staff receive regular training on data protection and information security best practices.
• Secure Facilities: Our data centers and offices are protected by physical security measures, including access controls, surveillance, and security personnel.
Data Breach Response
In the event of a data breach, we have a response plan in place to:
• Contain and Mitigate: Immediately contain and mitigate the breach to prevent further unauthorized access.
• Notify Affected Individuals: Inform affected individuals promptly if their personal data has been compromised.
• Cooperate with Authorities: Work with regulatory authorities to address the breach and prevent future incidents.
Although we use strong encryption protocols and SSL technology to protect your personal data during transmission and storage, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to safeguard your personal information, the inherent vulnerabilities of the internet prevent us from guaranteeing absolute security.
While we take extensive measures to protect your data, you also play a crucial role in maintaining the security of your personal information:
• Password Security: Keep your passwords secure and do not share them with others.
• Device Security: Ensure your devices are protected with up-to-date security software and settings.
Our services may contain links to external websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy policies. We encourage you to read the privacy policy of every website you visit.
Some web browsers may transmit "Do Not Track" signals to websites. Our services currently do not respond to these signals. However, you can manage your tracking preferences through your browser settings and third-party tools.
Your information, including personal data, may be transferred to and maintained on servers located outside of your state, province, or country. These countries may have data protection laws that are different from the laws of your country. By providing your information, you consent to any transfer, storage, or processing in accordance with this Privacy Policy..
We retain your personal information only as long as necessary for the purposes set out in this Privacy Policy, including:
• Legal and Regulatory Requirements: Complying with our legal obligations.
• Dispute Resolution: Addressing any disputes or claims.
• Contractual Requirements: Enforcing our agreements.
You may request that we limit the collection, creation, disclosure, access, maintenance, storage, and use of your Personally Identifiable Information solely for assisting you in applying for health insurance or obtaining an eligibility determination, facilitating payment for your first premium, updating or canceling your enrollment in a health insurance plan, and performing other authorized functions specified in our agreements with CMS. To request such a limitation, please email contracting@ehealthcareoptions.net or call 888-227-8407 .
We will retain your information as long as your account is active or needed to provide the Services. We will also retain and use your information as necessary to comply with legal obligations, resolve disputes, and enforce our agreements. Once your application has been submitted to your chosen health insurance company or any other relevant party (e.g., the federal government for applications involving advanced premium tax credits), you may need to contact the insurance company or such parties directly to update your application or any other information they may have collected about you.
We are committed to ensuring that your data is secure and that you retain control over your personal information. You have the following rights:
• Access: You have the right to request access to the personal information we hold about you. This allows you to receive a copy of the data we hold about you and check that we are lawfully processing it.
• Rectification: You have the right to request correction of any inaccuracies in your personal information (including incomplete information).
• Erasure: You have the right to request the deletion or removal of personal information where there is no compelling reason for us to continue processing it.
• Restriction of Processing: You have the right to request the restriction of processing your personal data in certain circumstances, such as where you contest the accuracy of the data or object to our use of it.
• Data Portability: You have the right to request the transfer of your personal data to another organization or directly to you.
• Objection: You have the right to object to the processing of your personal data where we are relying on legitimate interests or the performance of a task in the public interest.
• Withdrawal of Consent: If you have given consent to the processing of your data, you have the right to withdraw your consent at any time.
• Opt-Out: You may opt out of receiving promotional emails from us by following the unsubscribe link in those emails or contacting us.
To exercise any of these rights, please contact us using the information provided in the "Contact Us" section. We will respond to your requests in accordance with applicable data protection laws.
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will take steps to remove such information.
We may update our Privacy Policy from time to time. We will notify you of any changes by:
• Posting the New Policy: The updated policy will be available on this page with a new "Last Updated" date.
• Notification: When required by law, we will notify you via email or a prominent notice on our website.
We recommend that you review this Privacy Policy periodically for any changes. Your continued use of our services after any modification to this Privacy Policy will constitute your acceptance of such modifications.
Our services may include links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.
• Service Providers: We engage third-party companies and individuals to facilitate our services, provide services on our behalf, perform service-related tasks, or assist us in analyzing how our services are used. These third parties have access to your personal data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
• Analytics Providers: We use third-party analytics tools to help us measure traffic and usage trends for our services. These tools collect information sent by your device or our services, including the web pages you visit, add-ons, and other information that assists us in improving our services.
• Advertising Partners: We partner with third-party advertising networks to display ads on our website or to manage our advertising on other sites. Our advertising network partners use cookies and web beacons to collect information about your activities on this and other websites to provide you targeted advertising based on your interests.
If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA). These rights include:
• Right to Know: You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months.
• Right to Delete: You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions.
• Right to Opt-Out: You have the right to opt-out of the sale of your personal information. We do not sell personal information; however, if we ever decide to do so, you will be provided with an option to opt-out.
• Right to Non-Discrimination: You have the right not to be discriminated against for exercising any of your CCPA rights.
To exercise your rights under the CCPA, please contact us using the details provided in the "Contact Us" section. We may need to verify your identity before fulfilling your request.
We retain your personal data only for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. When determining the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the data, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process the data, and whether we can achieve those purposes through other means.
If you have any questions about this Privacy Policy, the practices of our website, or your dealings with our services, or if you wish to exercise any of your data protection rights, please contact us at:
• Email: contracting@ehealthcareoptions.net
• Phone: 888-227-8407
We are committed to resolving any complaints or concerns regarding the use of your personal information in a fair and transparent manner.