If you have any questions about the privacy of your online information,
the practices of this site, your dealings with this web site and/or
general questions that the web site does not answer, please feel free to
contact us as noted during regular business hours.
General Information
CONSULATEDENTALPLANS.com has created this privacy statement in order to
demonstrate our firm commitment to your privacy. The following discloses
the information gathering and dissemination practices for this Web site
and it's affiliate companies. The CONSULATEDENTALPLANS.com website is a
marketing website owned and serviced by DEL AMO Insurance Services, Inc.,
DBA: InsComp Insurance Services with respect to its' content.
CONSULATEDENTALPLANS.com collects information which is distributed to it's
affiliated agents, brokers, agencies, brokerages, and/or companies based
upon the state you have entered. All of it's affiliated agents, brokers,
agencies, brokerages, and/or companies are licensed in their respective
state for the product they quote and act as independent contractors and
non binding to our company. CONSULATEDENTALPLANS.com, DEL AMO Insurance
Services, Inc., DBA: InsComp Insurance Services does not provide the quote
and/or issue a policy unless otherwise specifically stated. This website
does not attempt to describe the product coverage and its' contents but is
merely used as a sales tool for the purpose of product illustration. The
website and its' owners cannot make recommendations as to whether any
illustrated product may meet the users' particular needs. Therefore, the
suitability of the product is the final determination of the user of this
website.
Privacy Disclosure
As you are probably aware, the insurance industry is now subject to a
federal privacy law called the "Gramm-Leach-Bliley Act" ("GLB"). GLB
Protects the security and confidentiality of a consumer's personal
information. Fortunately, since our companies have always been respectful
of the privacy needs of our customers, we have not had to make significant
changes to our usual business practices to become compliant with this new
law. We have, however, had to prepare privacy notices to advise our
customers of our privacy practices for which the affiliated agent must
comply to receive your internet referral lead. We also have had to conduct
an extensive review of all of our contracts under which we may disclose
the nonpublic information of our applicants and insureds to third parties.
This review was necessary because, under GLB, our contracts must prohibit
such third parties from disclosing or using the nonpublic personal
information that we provide to them from using it for purposes other than
to carry our the purposes for which we disclosed it to them. Since we
provide all of our disclosures under exceptions to what are activities to
what are termed "opt out requirements", our contracts must reflect this.
(The exceptions under GLB, by the way, include such activities as
servicing and processing an insurance application, administering a claims
benefit, underwriting an insurance risk and billing an account). If we do
not have language in our contracts to provide for this type of
prohibition, under GLB, we would be required to include procedures in our
privacy plan or statement whereby an applicant or insured could opt out of
certain types of disclosures, including disclosures we may make to the
agent. Accordingly, we amended all of our existing and future contracts
with our agents, sub-agents, agent affiliates, brokers, sub-brokers,
broker affiliates and, in fact, even our vendors, with whom we share
personal nonpublic information.
Towards
that end, as set forth below, we require all agents to sign the following
agreement with our companies.
Nonpublic Personal Information
If the Company discloses to the Agent (which is defined to include any and
all codes of Agent, and thus also thereby Agent's subagents) nonpublic
personal information, ("NPI"), as defined in the Gramm-Leach-Bliley Act ("GLB")
or as defined by an applicable state privacy statue, rule or regulation,
(collectively referred to as the "State Privacy Laws"), Company will only
do so pursuant to an exception set forth in both GLB and whatever, if any,
State Privacy Laws may be applicable. Notwithstanding any other language
in the Agreement, Agents will maintain physical, electronic, and
procedural safeguards that comply with state and federal regulations to
guard all NPI. Agent's handling of nay NPI, and the purpose for which the
information may be used by Agent, shall be in compliance with all
applicable laws, regulations and rulings, including, but not limited to
GLB and Federal Fair Credit Reporting Act. The parties also agreed that a
violation of the covenants described in this paragraph may cause
irreparable and substantial damage and that no adequate remedy may be
available at law or in equity. As a result, such violation may be enjoined
through injunctive proceedings in addition to any other rights and
remedies available at law or in equity.
HIPAA Privacy Information
HIPAA NOTICE OF PRIVACY PRACTICES REGARDING YOUR DENTAL INSURANCE, HEATH
INSURANCE AND LIFE INSURANCE. 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.
Our Responsibilities
We are required by applicable federal and state law to maintain the
privacy of your protected health information. "Protected health
information" (PHI) is information about you, including demographic
information, that may identify you and that relates to your past, present
or future physical or mental health or condition and related health care
services. We are also required to give you this notice about our privacy
practices, our legal duties, and your rights concerning your PHI. We must
follow the privacy practices that are described in this notice while it is
in effect. This notice takes effect April 14, 2003, and will remain in
effect until we replace it. We reserve the right to change our privacy
practices and the terms of this notice at any time, provided such changes
are permitted by applicable law. We reserve the right to make the changes
in our privacy practices and the new terms of our notice effective for all
PHI that we maintain, including PHI we created or received before we made
the changes. Before we make a significant change in our privacy practices,
we will change this notice and make the new notice available upon request.
Uses and Disclosures of Protected Health Information
We use and disclose PHI about you for treatment, payment, and health care
operations. Following are examples of the types of uses and disclosures
that we are permitted to make.
Treatment
We may use or disclose your PHI to a health care provider providing
treatment to you. We may use or disclose your PHI to a health care
provider so that we can make prior authorization decisions under your
benefit plan.
Payment
We may use and disclose your PHI to make benefit payments for the health
care services provided to you. We may disclose your PHI to another health
plan, to a health care provider, or other entity subject to the federal
Privacy Rules for their payment purposes. Payment activities may include
processing claims, determining eligibility or coverage for claims, issuing
premium billings, reviewing services for medical or health necessity, and
performing utilization review of claims.
Health Care Operations
We may use and disclose your PHI in connection with our health care
operations. Health care operations include the business functions
conducted by a health insurer. These activities may include providing
customer services, responding to complaints and appeals from members,
providing case management and care coordination under the benefit plans,
conducting medical review of claims and other quality assessment and
improvement activities, establishing premium rates and underwriting rules.
In certain instances, we may also provide PHI to the employer who is the
plan sponsor of a group health plan. We may also in our health care
operations disclose PHI to business associates1 with whom we have written
agreements containing terms to protect the privacy of your PHI. We may
disclose your PHI to another entity that is subject to the federal Privacy
Rules and that has a relationship with you for its health care operations
relating to quality assessment and improvement activities, reviewing the
competence or qualifications of health care professionals, case management
and care coordination, or detecting or preventing health care fraud and
abuse.
On Your Authorization
You may give us written authorization to use your PHI or to disclose it to
another person and for the purpose you designate. If you give us an
authorization, you may withdraw it in writing at any time. Your withdrawal
will not affect any use or disclosures permitted by your authorization
while it was in effect. Unless you give us a written authorization, we
cannot use or disclose your PHI for any reason except those described in
this notice.We will make disclosures of any psychotherapy notes we may
have only if you provide us with a specific written authorization or when
disclosure is required by law.
Personal Representatives
We will disclose your PHI to your personal representative when the
personal representative has been properly designated by you and the
existence of your personal representative is documented to us in writing
through a written authorization.
Disaster Relief
We may use or disclose your PHI to a public or private entity authorized
by law or by its charter to assist in disaster relief efforts.
Health Related Services
We may use your PHI to contact you with information about health-related
benefits and services or about treatment alternatives that may be of
interest to you. We may disclose your PHI to a business associate to
assist us in these activities. We may use or disclose your PHI to
encourage you to purchase or use a product or service by face-to-face
communication or to provide you with promotional gifts.
Public Benefit
We may use or disclose your PHI as authorized by law for the following
purposes deemed to be in the public interest or benefit: as required by
law; for public health activities, including disease and vital statistic
reporting, child abuse reporting, certain Food and Drug Administration
(FDA) oversight purposes with respect to an FDA-regulated product or
activity, and to employers regarding work-related illness or injury
required under the Occupational Safety and Health Act (OSHA) or other
similar laws; to report adult abuse, neglect, or domestic violence; to
health oversight agencies; in response to court and administrative orders
and other lawful processes; to law enforcement officials pursuant to
subpoenas and other lawful processes, concerning crime victims, suspicious
deaths, crimes on our premises, reporting crimes in emergencies, and for
purposes of identifying or locating a suspect or other person; to avert a
serious threat to health or safety; to the military and to federal
officials for lawful intelligence, counterintelligence, and national
security activities; to correctional institutions regarding inmates; and
as authorized by and to the extent necessary to comply with state worker's
compensation laws. We will make disclosures for the following public
interest purposes, only if you provide us with a written authorization or
when disclosure is required by law: to coroners, medical examiners, and
funeral directors; to an organ procurement organization; and in connection
with certain research activities.
Use and Disclosure of Certain Types of Health Information
For certain types of PHI we may be required to protect your privacy in
ways more strict than we have discussed in this notice. For instance, if a
state law is more restrictive than HIPAA, we will follow that state law.
Generally, the following state laws are ones which we abide by for our use
or disclosure of certain types of your PHI: HIV Test Information. We may
not disclose the result of any HIV test or that you have been the subject
of an HIV test unless required by law or the disclosure is to you or other
persons under limited circumstances or you have given us written
permission to disclose. Genetic Information. We may not disclose your
genetic information unless the disclosure is made as required by law or
you provide us with written permission to disclose such information.
Mental Health Information Records. We may not disclose your mental health
information records except to you and anyone else authorized by law to
inspect and copy your mental health information records or you provide us
with written permission to disclose. Alcoholism or Drug Abuse Information.
We may not disclose any alcoholism or drug abuse information related to
your treatment in an alcohol or drug abuse program unless the disclosure
is allowed or required by law or you provide us with written permission to
disclose.
Individual Rights
You may contact us using the information at the end of this notice to
obtain the forms described here, explanations on how to submit a request,
or other additional information.
Access
You have the right, with limited exceptions, to look at or get copies of
your PHI contained in a designated record set. A "designated record set"
contains records we maintain such as enrollment, claims processing, and
case management records. You may request that we provide copies in a
format other than photocopies. We will use the format you request unless
we cannot practicably do so. You must make a request in writing to obtain
access to your PHI and may obtain a request form from us. If we deny your
request, we will provide you a written explanation and will tell you if
the reasons for the denial can be reviewed and how to ask for such a
review or if the denial cannot be reviewed.
Disclosure Accounting
You have the right to receive a list of instances since April 14, 2003 in
which we or our business associates disclosed your PHI for purposes, other
than treatment, payment, health care operations, or as authorized by you,
and for certain other activities. If you request this accounting more than
once in a 12-month period, we may charge you a reasonable, cost-based fee
for responding to these additional requests. We will provide you with more
information on our fee structure at your request.
Restriction
You have the right to request that we place additional restrictions on our
use or disclosure of your PHI. We are not required to agree to these
additional restrictions, but if we do, we will abide by our agreement
(except in an emergency). Any agreement we may make to a request for
additional restrictions must be in writing signed by a person authorized
to make such an agreement on our behalf. We will not be bound unless our
agreement is in writing.
Confidential Communication
You have the right to request that we communicate with you about your PHI
by alternative means or to alternative locations. You must make your
request in writing. This right only applies if the information could
endanger you if it is not communicated by the alternative means or to the
alternative location you want. You do not have to explain the basis for
your request, but you must state that the information could endanger you
if the communication means or location is not changed. We must accommodate
your request if it is reasonable, specifies the alternative means or
location, and provides satisfactory explanation how payments will be
handled under the alternative means or location you request.
Amendment
You have the right, with limited exceptions, to request that we amend your
PHI. Your request must be in writing, and it must explain why the
information should be amended. We may deny your request if we did not
create the information you want amended and the originator remains
available or for certain other reasons. If we deny your request, we will
provide you a written explanation. You may respond with a statement of
disagreement to be attached to the information you wanted amended. If we
accept your request to amend the information, we will make reasonable
efforts to inform others, including people you name, of the amendment and
to include the changes in any future disclosures of that information.
Right to Receive a Copy of the Notice
You may request a copy of our notice at any time by contacting the Privacy
Office. If you receive this notice by electronic mail (e-mail), you are
also entitled to request a paper copy of the notice.
Questions and Complaints
If you want more information about our privacy practices or have questions
or concerns, please contact us using the information listed at the end of
this notice. If you are concerned that we may have violated your privacy
rights, you may complain to us using the contact information listed at the
end of this notice. You also may submit a written complaint to the U.S.
Department of Health and Human Services; see information at its website:
www.hhs.gov. If you request, we will provide you with the address to file
your complaint with the U.S. Department of Health and Human Services. We
support your right to the privacy of your PHI. We will not retaliate in
any way if you choose to file a complaint with us or with the U.S.
Department of Health and Human Services.
Information Automatically Logged
We use your IP address to help diagnose problems with our server and to
administer our Web site. Your IP address is also used to help identify you
and your shopping cart.
Cookies
Our Site uses cookies to keep track of your shopping cart, and to make
sure you don't see the same ad repeatedly. We also use cookies to deliver
content specific to your interests, and to save your password so you don't
have to re-enter it each time you visit our site.
Order Forms
Our site uses an order form for customers to request information,
products, and services. We collect contact information (like their email
address), financial information (like their account or credit card
numbers), unique identifiers (like their social security number), and
demographic information (like their zip code, age, or income level).
Contact information from the order forms is used to ship purchases,
information about our company. The customer's contact information is also
used to get in touch with the visitor when necessary. Financial
information that is collected is used to check the users' qualifications
for registration, and to bill the user for products and services. Unique
identifiers (such as social security numbers) are collected from Web site
visitors to verify the user's identity, and for use as account numbers in
our record system.
Demographic
and profile data is also collected at our site.
We use this data to tailor our visitor's experience at our site showing
them content that we think they might be interested in, and displaying the
content according to their preferences.
Security
This site has security measures in place to protect the loss, misuse, and
alteration of the information under our control.
Children's Guidelines
We care about children and understand that they have special privacy
needs. Therefore, we have adopted the following privacy policy regarding
children: We will NOT collect, use, or distribute to third parties
personally identifiable information without prior verifiable parental
consent. We will NOT give the child access to unmonitored chat rooms,
message boards, email accounts, or other services that would give the
child the ability to publicly post or otherwise distribute personally
identifiable information without prior verifiable parental consent When
verifiable parental consent is not obtained, we will only use the online
contact information (such as email) to: Respond directly to the child's
request on a one-time basis and not use that information to re-contact the
child for other purposes. Request the name or online contact information
of a parent for the purpose of obtaining verifiable parental consent or
providing parental notification. Respond more than once directly to a
specific request from a child (such as in the case where a child requests
a newsletter subscription) and not used to re-contact the child for other
purposes. We will use our best efforts to provide parental notification,
which will include the nature and intended use as well as an opportunity
for the parent to prevent the use of the information and participation in
the activity. We will NOT entice the child to divulge more information
than is needed to participate in any activity, game, or service. We will
provide the parent a description of the specific types of a personally
identifiable information collected from their child upon request. We will
allow the parent to refuse further use or future online collection of
personally identifiable information and provide a way for a parent to
obtain any personally identifiable information collected from their child.
We will provide notice to children in age appropriate terms of what
personally identifiable information is to be collected. We will NOT
provide any links to Web sites that are unsuitable for children. We will
encourage children to get their parent's permission before sharing
personal information online.
Choice/Opt-Out
Our site provides users the opportunity to opt-out of receiving
promotional/marketing information from our partners, and us .
You can send email to
sales@CONSULATEDENTALPLANS.com
Data
Quality/Access
This site gives users the following options for changing and modifying
information previously provided:
You can send email to
sales@CONSULATEDENTALPLANS.com
Contacting the Web Site
If you have any questions about this privacy statement, the practices of
this site, or your dealings with this Web site, you can contact:
Monday-Friday 10am-4pm Pacific Standard Time
Corporate Office
910 Lomita Blvd
P.O. Box 910
Harbor City, CA 90710-0910
Office: 310.534.3444 |