Policies & Procedures
Page last updated: October 01, 2023
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Care N’ Care understands that our members expect privacy and security regarding all of their personal and financial information. We’re committed to protecting the privacy and security of your information. It’s important to explain how we collect, use, secure, and share your personal information. We define personal information as information that identifies you that we obtained from you and other sources to provide you with health insurance products and services. We’ll always inform you of our policies for collecting, using, securing, and sharing non-public personal financial information the first time we do business with you and every year that you are our member.
Care N’ Care is required by federal and state law to give a notice to plan members about how we can use and disclose their personal health and financial information.
This Gramm-Leach-Bliley Act (GLBA) Privacy Notice is provided to help you better understand how we obtain, use, share, and protect your non-public personal financial information even after our customer relationship with you has ended. You may view or download a copy here: 2023 GLBA State Privacy Notice
Our Health Insurance Portability and Accountability Act (HIPAA) Notice of Privacy Practices explains how we use and share your non-public protected health information and how you can access it. You may view or download a copy of our HIPAA Privacy Notice here: 2023 Notice of Privacy Practices
We know how important the security and privacy of your personal information is to you. Therefore, please review the following information which explains what data we collect, how we use the personal information you provide, and how we keep that information secure. “Personal information” refers to data that is unique to you such as name, birth date, address, email address, IP address and telephone number. If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.
We receive most personal information from you when you enroll in Care N’ Care. This comes from the forms you fill out, from telephone or person-to-person interviews with you, or from your agent. The personal information collected may include your name, address, Social Security number, health, and financial information. We also obtain personal information through claims documents, payment history and other records available to us to determine which products and services are appropriate for you. We may also receive personal information about you from our affiliates and other companies.
We only share information in accordance with applicable law. In certain instances, we may share your information with our affiliates and the companies we do business with, even if you are no longer our member. For example, we may share your information with persons such as your agent or companies who perform marketing or other services for us related to the products and services we provide you. We may also share your information with other financial institutions with which we have joint marketing agreements to provide our products and services.
We keep your information safe and secure so unauthorized individuals do not have access to it. Only our employees, who need to know about your information to provide our products and services to you, have access to your information. We maintain physical, electronic, and procedural safeguards in accordance with legal requirements to protect your information. Care N’ Care is committed to protecting the information you provide to us over the phone, in person, through the mail, or via e-mail. We respect the privacy of all individuals who visit our website.
Like many companies today, Care N’ Care routinely gathers data on website usage, such as how many people visit our website, the sections they visit, what time they visit, how long they stay, etc. Site visitor data is collected on an aggregate, anonymous basis; no personal information is associated with this data unless you voluntarily provide it. We collect and store the following information: the name of the domain from which you access the Internet (for example, yahoo.com if you’re connecting from a Yahoo account); the browser version from which you access our site; the date and time you access our site; and the Internet address of the website from which you linked directly to our site. We use this information to measure the number of visitors to different sections of our site, to identify trends and understand user patterns to help us continually improve your online experience. We realize the importance of protecting children’s privacy, especially in an Internet environment. It is our policy never to knowingly collect or maintain information from children via the Internet. We also do not collect your personal information for distribution to third parties via your visit to our website.
You may have an opportunity to provide information to us through online surveys and forms. We use this information to better understand health care needs and to provide quality products, service and other opportunities. All forms and surveys located on the Care N’ Care website are secure.
Care N’ Care wants your visit to our website to be informative and enjoyable. We plan to use any information we obtain from you to help us continually improve the content, functionality and overall usability of our website.
WE CANNOT GUARANTEE THE CONFIDENTIALITY AND SECURITY OF PERSONAL INFORMATION TRANSMITTED TO US BY E-MAIL. Please use your own best judgment when sending information via the Internet to an e-mail address. E-mail sent via the Internet may pass through private and public networks with varying levels of security. Some networks may have taken steps to maintain the security of e-mail transmissions while others have not, thereby compromising the privacy and integrity of your e-mail. An e-mail may be copied, altered or destroyed by anyone who is able to access it. If you have personal or confidential information to relay to our company, please call the appropriate customer service phone number; details appear on the contact us page. If you send us an e-mail to ask a question, we’ll use the information you provide to answer your request. If you do provide personal information, such as an e-mail address, telephone or fax number, or other identifying information, we won’t disclose it to third parties except as noted in our privacy notices. We’ll preserve the content of your e-mail, your e-mail address, and our response, so we can efficiently respond to your questions and to meet legal and regulatory requirements.
We recognize and respect the desire for privacy when it comes to your personal healthcare affairs. We protect online information according to established Federal and State laws in addition to company privacy and security standards and practices. Evolving technology will continue to provide us with new and better ways to collect and use information so we may better serve your health coverage needs. We may revise or update this notice in the future to reflect these technological advances and we encourage you to return to this page periodically for updates.