PRIVACY & SECURITY
Insurance contracts are administered by IHC Health Solutions and underwritten by various insurance carriers.
Although this internet site provides a good description of the important features of the plans, this is not the insurance contract and only the actual contract defines coverage. The policy itself sets forth in detail the rights and obligations of both you and the Insurance Company. Please read your policy carefully when you receive it.
If you would like more complete information, please e-mail or call us at:
IHC Health Solutions makes no judgment or warranty with respect to the accuracy, timeliness, or safety of the content of Internet sites to which these pages link and takes no responsibility therefore a link to a site outside of IHC Health Solutions is not an endorsement of the site, its content, or its sponsoring organization
When you become an IHC Health Solutions customer, you entrust us with your personal data. We consider your data to be private and confidential, and we hold ourselves to the highest standards of trust and fiduciary duty in their safekeeping and use.
IHC Health Solutions will not release information about you or your application, policy or claims information, unless one or more of the following conditions are met:
IHC Health Solutions believes the prospective recipient to be you or your authorized representative.
IHC Health Solutions is required by law to release information to the recipient.
Questions about your medical history and physical condition are required by our insurance carrier partners and will be released to the insurer so that they may underwrite your insurance application. IHC Health Solutions will not give or sell information about you to any other company, individual, or group without your prior authorization.
IHC Health Solutions will only use information about you to help us better serve your insurance needs or to suggest IHC Health Solutions services or insurance materials that may be of interest to you.
To further protect your privacy, our web site uses the highest levels of Internet security, including data encryption, user names and passwords, and other security tools.
Occasionally, IHC Health Solutions may conduct marketing surveys or research to
help us evaluate products, services, and the changing needs of our customers. It
is IHC Health Solutions policy to keep this information confidential. We will not share individual marketing data gathered from our website with individuals or business entities not affiliated with IHC Health Solutions
We are also a registered licensee of an independent security company, whose mission is to build users' trust and confidence in the Internet by promoting the principles of full disclosure and informed consent. To demonstrate our commitment to your privacy, we regularly have our information privacy practices reviewed and audited for compliance.
We know that the privacy of your personal information is important to you. In order to provide you with insurance products of the highest quality and with the service you deserve, it may be necessary for us from time to time to collect nonpublic personal and financial information about you (the "Information") and, in certain situations, to share that Information with others. The following notice describes our policies and practices with regard to your Information.
HOW WE PROTECT YOUR INFORMATION
We maintain physical, electronic and procedural safeguards to protect the Information against unauthorized access and use. We restrict access to the Information to those employees who need access to provide products and services to you and your dependents. The personnel who have access are trained in the proper handling of the Information. Employees who violate this strict level of confidentiality are subject to our disciplinary process.
CATEGORIES OF INFORMATION THAT WE COLLECT
In the normal course of business we may collect the following types of Information:
- Information you provide on applications and other forms (including name and address)
- Data about your transactions with us (such as types of products you have purchased and your account status)
- Information gathered on our Web sites through online forms, site visit data and online information-collecting devices known as "cookies"
HOW WE USE YOUR INFORMATION
- We may share your information among the Insurance Companies as permitted by law, including for routine business administration.
- We may share information with non-affiliated companies as allowed by law, such as firms that perform services on our behalf, including the administration and marketing of our products. We require these companies to meet strict privacy standards.
- We may disclose information to non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud or to comply with an inquiry by a government agency.
ACCURACY OF YOUR INFORMATION
We strive to maintain the accuracy of Information that is in our possession about you. In order to help us maintain accuracy, you have the right to reasonably access your information. If you believe any information in our possession is inaccurate, a request can be made to amend or delete the information that you believe to be erroneous. If we concur with the request, we will amend or delete the information in question. You may write our Privacy Office at the address below to receive our complete policy on accessing and amending the Information.
CHANGES TO THIS NOTICE
We reserve the right to change this Notice. We reserve the right to make the revised Notice effective for the Information we already have about you as well as any Information we receive in the future. If we make any material changes to our policies or practices, we will provide you with a copy of a revised Notice. We will post a copy of the current Notice on our websites. The Notice will contain in the top right-hand corner, the effective date.
You may contact our Privacy Office at:
IHC Health Solutions
P.O. Box 15250
Rockford, IL 61132-5250