Privacy Policy

Last Updated: January 2025

1. Introduction

HealthCare Plus ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services to obtain health insurance coverage.

2. Information We Collect

Personal Information

We may collect personal information including but not limited to:

Name, date of birth, and contact information
Social Security number and government-issued identification
Health information and medical history
Financial and payment information
Employment and income information

Usage Information

We automatically collect certain information when you visit our website, including IP address, browser type, device information, and usage patterns.

3. How We Use Your Information

We use the information we collect to:

Process your health insurance applications and enrollments
Provide quotes and recommendations for insurance plans
Communicate with you about your coverage and benefits
Process claims and payments
Comply with legal and regulatory requirements
Improve our services and customer experience
Prevent fraud and ensure security

4. HIPAA Compliance

We are committed to complying with the Health Insurance Portability and Accountability Act (HIPAA) and protecting your Protected Health Information (PHI). We implement appropriate administrative, physical, and technical safeguards to protect your health information from unauthorized access, use, or disclosure.

5. Information Sharing and Disclosure

We may share your information with:

Insurance carriers to process your applications and provide coverage
Healthcare providers for coordination of benefits
Government agencies as required by law
Service providers who assist in our operations (under strict confidentiality agreements)
Business partners with your consent

We will never sell your personal information to third parties for marketing purposes.

6. Data Security

We implement industry-standard security measures to protect your information, including encryption, secure servers, and restricted access controls. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. Your Rights

You have the right to:

Access and review your personal information
Request corrections to inaccurate information
Request deletion of your information (subject to legal requirements)
Opt-out of marketing communications
Receive a copy of your information in a portable format

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and personalize content. You can control cookies through your browser settings.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children without parental consent.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website and updating the "Last Updated" date.