Privacy Policy

Last Updated: January 1, 2024

Important Disclosure

HealthCoverage365 is an enrollment assistance service. We are NOT an insurance company, insurance broker, or health insurance provider. We connect families seeking health insurance coverage with licensed insurance carriers and help them navigate Open Enrollment and Special Enrollment Periods. We do not provide insurance policies, coverage, or medical advice.

This Privacy Policy describes how HealthCoverage365 ("we," "us," or "our") collects, uses, and protects your personal information when you use our website (healthcoverage365.com) and our health insurance enrollment connection services.

By using our website and services, you agree to the collection and use of information in accordance with this policy.

Table of Contents

1. Information We Collect

We collect information you provide directly to us, including:

  • Contact Information: Name, email address, phone number, and state of residence
  • Enrollment Information: Enrollment type (Open Enrollment or Special Enrollment Period), qualifying life events, and other enrollment-related details
  • Communication: Messages, questions, or feedback you send us
  • Website Usage: Pages visited, time spent on site, and other analytics data
  • Consent Records: Records of your consent to receive calls, emails, and text messages

Note: We do not collect or store sensitive medical information, health records, Social Security numbers, or payment information. Any insurance enrollment information you provide is shared with licensed enrollment specialists we connect you with.

2. How We Use Your Information

We use the information we collect to:

  • Provide Services: Connect you with licensed enrollment specialists who can help with health insurance enrollment
  • Communication: Respond to your inquiries and provide customer support via phone, email, or text (with your consent)
  • Improve Services: Analyze website usage to enhance user experience
  • Marketing: Send you relevant information about health insurance enrollment and Special Enrollment Periods (with your consent)
  • Legal Compliance: Comply with applicable laws and regulations including TCPA, CAN-SPAM, and state insurance regulations

3. Information Sharing and Disclosure

We share your information with:

  • Licensed Enrollment Specialists: We share your contact information and enrollment details with licensed enrollment specialists in your area who can help you enroll in health insurance coverage
  • Insurance Carriers: When you choose to enroll through a specialist, your information may be shared with insurance carriers to complete enrollment
  • Service Partners: Third-party companies that help us operate our website and provide our services (with appropriate data protection agreements)
  • Legal Requirements: When required by law, court order, or to protect our rights and safety

Your Privacy is Protected: As an enrollment connection service, we share your information with licensed enrollment specialists to connect you with health insurance enrollment assistance. This is how our free service works. We do not sell your information to third parties for unrelated marketing purposes.

Compensation Disclosure: HealthCoverage365 may receive compensation from enrollment specialists or insurance carriers when successful enrollments are completed. This compensation does not increase the cost of your insurance coverage and allows us to provide free enrollment assistance.

Not Government Affiliated: HealthCoverage365 is not affiliated with Healthcare.gov, any government agency, or any insurance carrier. We are an independent enrollment assistance service.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

  • Encryption of data in transit and at rest
  • Secure servers with access controls
  • Regular security assessments and updates
  • Limited access to personal information on a need-to-know basis

While we strive to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to protecting your information using industry-standard practices.

5. Your Rights and Choices

You have the following rights regarding your personal information:

  • Access: Request information about what personal data we have about you
  • Correction: Request correction of inaccurate or incomplete information
  • Deletion: Request deletion of your personal information (subject to legal requirements)
  • Opt-out: Unsubscribe from marketing communications at any time
  • Data Portability: Request a copy of your data in a machine-readable format

To exercise these rights: Contact us at info@healthcoverage365.com. We will respond to your request within 30 days.

6. Cookies and Tracking

We use cookies and similar tracking technologies to:

  • Remember your preferences and settings
  • Analyze website traffic and usage patterns
  • Improve website functionality and user experience
  • Provide relevant content and advertisements

You can control cookies through your browser settings and our cookie consent banner.

Third-party Analytics: We use Google Analytics to understand how visitors use our website. This helps us improve our services and provide better user experiences.

7. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us:

Service Area

Serving Florida, Ohio, Michigan, Illinois, Pennsylvania, Georgia, New Jersey, and California

We will respond to your inquiry within 1-2 business days (Monday-Friday, 9 AM - 6 PM EST).

This Privacy Policy was last updated on January 1, 2024. By using our services, you acknowledge that you have read and understood this Privacy Policy.