Privacy Policy
Health For You Advisors
At Health For You Advisors, we are committed to protecting your privacy and maintaining the confidentiality of your personal and health information. This policy explains how we collect, use, disclose, and safeguard your information in compliance with applicable federal and state laws, including the Health Insurance Portability and Accountability Act (HIPAA), state-specific regulations, and ethical guidelines.
Legal Basis
We operate as a Business Associate under HIPAA, serving both health insurance carriers (Covered Entities) and employer groups with covered health plans. Our practices comply with the HIPAA Privacy and Security Rules, as well as state-specific laws in Florida, Georgia, North Carolina, South Carolina, Texas, Ohio, and Kansas.
Information We Collect
We may collect the following types of personal and health information:
Name, address, date of birth, and contact information
Social Security number
Health information, including medical history and conditions
Insurance policy details and financial information
Employment information (if applicable)
How We Collect Information
We collect information through:
Direct communication with you (phone, email, in-person)
Forms you complete (online or paper)
Information provided by your employer (if applicable)
Communications with insurance carriers and healthcare providers
How We Use Your Information
We use your information for the following purposes:
To assist you in finding and applying for appropriate health insurance plans
To process your applications and claims
To communicate with you about your coverage, benefits, and any changes
To comply with legal and regulatory requirements
To improve our services and customer experience
To detect and prevent fraud
Sharing Your Information
We use your information for the following purposes:
Insurance providers for processing your applications and claims
- Third-party service providers who assist us in offering our services (subject to confidentiality agreements)
- Regulatory authorities as required by law
- Your employer, if you are part of an employer-sponsored plan (limited to necessary information)
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
Protecting Your Information
We implement various safeguards to protect your information, including:
Administrative, physical, and technical security measures to prevent unauthorized access
Encryption of electronic records and secure transmission methods
Regular staff training on privacy practices and IT security
Strict procedures for handling health information in compliance with HIPAA and other applicable laws
Limited access to personal information on a need-to-know basis
Regular risk assessments and security audits
Your Rights
You have the following rights regarding your personal information:
The right to access your health information and request copies
The right to request corrections if you believe your information is incorrect or incomplete
The right to request restrictions on certain uses and disclosures of your health data
The right to receive an accounting of disclosures of your health information
The right to receive this privacy policy in paper form upon request
The right to file a complaint if you believe your privacy rights have been violated
State-Specific Laws
We comply with state-specific privacy laws relevant to the states we serve:
Florida: We adhere to the Florida Information Protection Act (FIPA)
Georgia: We comply with Georgia's data breach notification laws
North Carolina: We follow additional protections for certain health conditions (e.g., HIV/AIDS)
South Carolina: We abide by the South Carolina Insurance Data Security Act
Texas: We comply with Texas Health and Safety Code privacy regulations
Ohio: We follow Ohio's data protection laws
Kansas: We adhere to the Kansas Insurance Information and Privacy Protection Act
Special Protections for Sensitive Information
We provide additional safeguards for sensitive information related to:
Mental health and substance abuse treatment
Sexual and reproductive health
Domestic or intimate partner violence
Adolescent health services
Breach Notification
In the event of a breach of unsecured protected health information, we will notify you as required by law. This notification will include:
A description of the breach
The types of information involved
Steps you should take to protect yourself
What we are doing to investigate and mitigate the breach
Contact information for further information
Changes to This Privacy Policy
We may update our privacy policy from time to time. We will notify you of any significant changes through our website or other communications. The updated policy will be effective immediately upon posting.
Contact Us
If you have questions, concerns, or complaints regarding this privacy policy or how we handle your personal information, please contact our Privacy Officer:
Health For You Advisors
Attn: Privacy Officer
123 Health Street
Miami, FL 33101
Phone: (800) 123-4567
Email: [email protected]
You may also file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights if you believe your privacy rights have been violated.
Effective Date
This privacy policy is effective as of August 1, 2024.
By using our services, you acknowledge that you have read and understand this privacy policy. We encourage you to review this policy periodically for any updates or changes.
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