Privacy Policy

1. Information We Collect

We may collect the following personal information:

• Personal Data: Name, phone number, email, mailing address, city, state, ZIP code, consent responses, date of birth.
• Health and Financial Data: May include information related to Medicare eligibility, existing coverage, health status, health insurance, payment and claims history.
• Usage Data: IP address, browser type, device details, referral source, visit time/duration, cookies.
• Consent & Age Confirmation: By submitting a form, you confirm you are at least 18 years old. SMS/text messages are sent only if you separately opt in through the SMS consent checkbox on our contact form. SMS consent is not required to purchase or receive services.

2. Permitted Uses and Disclosures of Your Information

We may use or disclose your information, including PHI, without written authorization for:

• Treatment, payment, and healthcare operations (e.g., coverage determinations, claims, appointment scheduling).
• Regulatory compliance, public health activities, fraud prevention, as required by law (including oversight agencies).
• Connecting you with licensed advisors for plan reviews or enrollment.
• Service delivery, appointment reminders, and improving communications.

Your PHI will only be used or disclosed for other purposes with your explicit authorization.

3. Sharing and Disclosure

We do not sell your information to third parties. Data may be shared with trusted vendors (CRM, dialer, communications platforms) solely for permitted business purposes under contractual agreements. We may disclose personal information to comply with law, protect rights/property, or prevent fraud/abuse. PHI may be shared with insurance carriers and government agencies as required for enrollment processing and regulatory compliance.

4. Data Security and Breach Notification

We use physical, electronic, and procedural safeguards that comply with all legal standards to protect your data. Access is limited to authorized personnel and vendors. Our website is served over HTTPS via Cloudflare, ensuring encrypted data transmission. In the event of a breach of unsecured PHI, we will notify affected individuals as required by law.

5. Your Rights and Choices

You have the right to:

• Receive this notice in paper or electronic format.
• Access, review, and receive a copy of your personal information and PHI.
• Request amendment of your PHI if you feel it is incomplete or incorrect.
• Request restrictions on certain uses and disclosures of your PHI.
• Request confidential communications with us.
• Obtain an accounting of disclosures.
• Withdraw consent for marketing communications at any time.
• File a complaint with us or the Department of Health and Human Services if you believe your privacy rights have been violated. We will not retaliate against you for filing a complaint.

How to exercise these rights: Contact us by phone, email, or mail using the contact information below.

6. Cookies and Tracking Technologies

We use cookies and analytics tools to improve your experience, measure site usage, and support advertising. Cookie data may be shared with advertising and analytics partners as permitted. For full details or to manage preferences, contact us or review our cookie policy.

7. SMS and Mobile Communications

AdviseCare Insurance operates an SMS program for clients and consented leads who separately opt in through our website contact form.

Consent: SMS messages are sent only if you separately opt in by checking the SMS consent box on our contact form. Providing a phone number alone does not create SMS consent. SMS consent is not required to purchase or receive services from AdviseCare Insurance.

Message Types: SMS messages may include appointment reminders, Medicare consultation follow-ups, enrollment updates, annual plan review scheduling, responses to customer questions, and customer-care communications related to Medicare insurance services.

Message Frequency: Message frequency varies based on your needs and the time of year. You may receive 2-10 messages per month during normal periods, with higher frequency during the Annual Enrollment Period (October 15 - December 7).

Cost: Message and data rates may apply per your mobile carrier's plan. AdviseCare Insurance does not charge for SMS messages.

Opt-Out: You can opt out at any time by replying STOP to any SMS message from us. After opting out, you will no longer receive SMS communications. You may resubscribe by replying START.

Help: Reply HELP to any SMS for assistance, or contact us at [email protected].

Privacy of SMS Data: Your mobile information, including phone number and SMS consent data, will not be shared, sold, rented, or transferred to third parties or affiliates for marketing, promotional, or any other purpose. SMS data is handled according to this Privacy Policy and our Terms of Service.

Supported Carriers: AT&T, Verizon Wireless, T-Mobile, U.S. Cellular, and most major US carriers. Carriers are not liable for delayed or undelivered messages.

8. Children's Privacy

Our services are not intended for children under 18, and we do not knowingly collect information from anyone under 18 years of age.

9. CMS & Medicare Compliance Disclaimer

We do not offer every plan available in your area. We work with several organizations offering Medicare Advantage and Part D plans. For a complete list of available plans, visit Medicare.gov or call 1-800-MEDICARE.

We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.

10. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies before providing any personal information.

11. Changes to This Policy

We may update this policy periodically. Updates will be posted on this page with a revised effective date and notice provided as required.

12. Contact Us

13. Additional Notices

You may request this notice in paper or electronic format at any time. Complaints, requests, or questions can be submitted to the contact information above. This policy incorporates all critical Medicare, HIPAA, and breach notification features required for Medicare Advantage privacy policy compliance.