Privacy Policy

Effective Date: September 1, 2025

1. Introduction

We value your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you visit our website or engage with our services.

2. Information We Collect

We may collect the following types of information:

• Personal Information: Name, contact details, date of birth, Social Security number (if required for enrollment), and other identifiers.
• Health & Insurance Information: Medicare/ACA eligibility, plan preferences, and coverage details.
• Technical Data: IP address, browser type, device information, and usage patterns via cookies or analytics tools.

3. How We Use Your Information

We use your information to:

• Provide accurate insurance quotes and plan recommendations
• Assist with enrollment and coverage updates
• Respond to inquiries and provide client support
• Improve our website and outreach materials
• Comply with legal and regulatory obligations

4. Sharing Your Information

We do not sell your personal information. We may share data only with:

• Licensed insurance carriers for enrollment purposes
• Government agencies (e.g., CMS, Healthcare.gov, MNsure) when required
• Trusted service providers who help us operate our website and services
• Legal authorities if required by law

5. Data Security

We implement industry-standard safeguards to protect your data, including encryption, secure servers, and access controls. However, no method of transmission over the internet is 100% secure.

6. HIPAA Compliance

As an independent insurance agency working with Medicare, ACA Marketplace, and other health-related plans, we take the privacy and security of your health information seriously.

We comply with the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and its implementing regulations. This means:

• We protect your Protected Health Information (PHI) from unauthorized access, use, or disclosure.
• We only share PHI with authorized entities (e.g., insurance carriers, CMS, Healthcare.gov) for purposes of enrollment, eligibility verification, or plan servicing.
• We maintain administrative, technical, and physical safeguards to ensure the confidentiality and integrity of your health data.
• We train our staff on HIPAA requirements and monitor compliance regularly.

If you have questions about how your health information is handled, or if you wish to exercise your HIPAA rights (such as requesting access or amendments to your PHI), please contact us at:
info@ezraig.com

715-603-4100

7. Your Rights

Depending on your location, you may have rights to:

• Access or correct your personal data
• Request deletion of your information
• Opt out of certain communications

8. Third-Party Links

Our website may contain links to third-party sites. We are not responsible for their privacy practices. Please review their policies before providing personal information.

9. Updates to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised effective date.

10. Contact Us

If you have questions or concerns about this policy, please reach out:
info@ezraig.com

715-603-4100

Effective Date: September 1, 2025
 

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 Responsibilities

We are required by law to:

• Maintain the privacy and security of your Protected Health Information (PHI)
• Provide you with this notice of our legal duties and privacy practices
• Follow the terms of this notice
• Notify you if a breach occurs that may have compromised your PHI

2. How We May Use and Disclose Your PHI

We may use and disclose your PHI for the following purposes:

• Treatment - to help you enroll in health plans and coordinate benefits
• Payment - to assist with premium payments, subsidies, or billing inquiries
• Healthcare Operations - for administrative tasks, compliance monitoring, and quality assurance
• Legal Requirements - to comply with federal or state laws, including CMS and marketplace regulations
• Public Health & Safety - when required to prevent serious threats to health or safety

We will never sell your PHI or use it for marketing without your written authorization.

3. Your Rights

You have the right to:

• Access your PHI and request a copy
• Request corrections to inaccurate or incomplete information
• Receive confidential communications in the manner you prefer
• Limit disclosures to family or caregivers
• Request a list of disclosures we’ve made (accounting of disclosures)
• Revoke authorization at any time (except where action has already been taken)

4. Changes to This Notice

We may update this notice as our practices or legal obligations change. The revised notice will be available on our website and upon request.

5. Questions or Complaints

If you have concerns about your privacy rights or believe your rights have been violated, you may contact:

info@ezraig.com

715-603-4100