Privacy Policy How We Protect the Information You Share With Us

01 Who we are and what this policy covers

Advisor Health Benefits Group, LLC ("Advisor Health Benefits Group," "we," "us" or "our") is an independent health insurance and Medicare broker licensed in Washington, with an office at 1446 Spaulding Ave, Suite 302, Richland, WA 99352. Our president, Kevin Husted, is responsible for this policy.

This policy applies to information we collect through advisorhealthbenefits.com, our contact form, phone calls, email and visits to our office. It does not apply to websites or services we do not control, such as insurance company websites, Washington Healthplanfinder or Medicare.gov, which have their own privacy policies.

02 Information we collect

We collect only what we need to help you. Most of it comes directly from you.

03 How we use your information

We use your information to:

• Answer your questions and follow up the way you asked, by phone or email.
• Compare plans, check whether your doctors and prescriptions are covered, and explain your options.
• Help you apply or enroll with an insurance company, Washington Healthplanfinder or a Medicare plan, and help with changes and questions after you enroll.
• Keep the records Washington and federal insurance rules require of licensed agents and brokers.
• Run, secure and improve this website, including preventing spam and fraud.
• Meet our legal obligations and protect our rights and the rights of others.

We do not use your health information for advertising, and we do not make decisions about you that are based solely on automated processing.

04 Consumer health data (Washington My Health My Data Act)

This section is our Consumer Health Data Privacy Policy under Washington's My Health My Data Act (RCW 19.373). "Consumer health data" means personal information that is linked or reasonably linkable to you and identifies your past, present or future physical or mental health. Some information we handle is instead governed by federal and state insurance privacy laws, but we apply the protections below to health-related details you share with us.

Categories of consumer health data we collect, and why

Sources

We collect consumer health data directly from you, or from a family member or caregiver you ask to work with us. We do not buy health data, and our website tools are not used to infer your health status.

Categories we share, and with whom

When needed to provide the help you ask for, we may share the categories above with:

• The insurance companies whose plans you choose to compare or apply for.
• Government programs you apply to through us, including Washington Healthplanfinder, the Washington State Health Care Authority (Apple Health) and Medicare.
• Service providers that process data for us, such as our email and website hosting providers, under terms that limit their use of it.

We have no affiliates that receive consumer health data. We do not sell consumer health data, and we do not use it for advertising.

Consent

We collect and share consumer health data only to the extent necessary to provide the service you request, or with your consent. If we ever want to collect or share it for another purpose, we will ask for your separate, affirmative consent first. You can withdraw consent at any time.

Your consumer health data rights

• Confirm and access: ask whether we collect or share your consumer health data and get a copy, including a list of the third parties we shared it with.
• Withdraw consent to our collection or sharing.
• Delete your consumer health data, including from our service providers.

To make a request, call (509) 524-9611, email Kevin@AdvisorHealthBenefits.com or write to us at the address below. We will verify your identity, respond within 45 days and tell you if we need one 45-day extension. If we decline your request, you can appeal by replying to our decision or contacting us the same way; we will respond in writing within 45 days. If your appeal is denied, you may file a complaint with the Washington Attorney General.

05 When we share information

We do not sell your personal information or your consumer health data. We share information only in these situations:

• Insurance companies and government programs. When you ask us to get a quote, apply or enroll, we share the details needed with the insurance company,
  Washington Healthplanfinder
  , the Washington State Health Care Authority (Apple Health) or Medicare.
• Service providers. Companies that help us run our business and this website, such as our web host, email provider, form and spam-protection tools and analytics tools. They may use the information only to provide services to us.
• People you authorize. A family member, caregiver or other person you ask us to work with.
• Legal and regulatory reasons. When required by law, a subpoena or a regulator such as the
  Washington Office of the Insurance Commissioner
  , or to protect against fraud.
• Business transfer. If our agency is sold or merged, client records may transfer to the new owner, who must protect them as described here.

We do not share your consumer health data with anyone else unless you give us separate consent, as described in section 4.

06 Cookies, analytics and website tools

Our website uses a small number of tools that may set cookies or collect device information:

We do not use advertising cookies or tracking pixels to target ads to you. You can block or delete cookies in your browser settings; the site will still work, although some features such as the map may not display.

This site is protected by reCAPTCHA, and the Google Privacy Policy and Terms of Service apply.

07 Calls, texts and email

When you send us the contact form or ask us to reach you, you agree that we may contact you by phone or email about your request. We contact you only about your questions, your coverage or services you asked for.

• You can ask us to stop contacting you at any time by telling us on the phone, replying to an email or contacting us at
  (509) 524-9611
  .
• We send text messages only if you agree to receive them, and you can reply STOP to opt out. Message and data rates may apply.
• We follow Medicare marketing rules, which limit how and when agents may contact people about Medicare plans.

08 Your insurance privacy rights in Washington

As a licensed insurance producer, we follow Washington's rules on the privacy of consumer financial and health information (WAC 284-04) and the federal Gramm-Leach-Bliley Act, which state insurance regulators enforce.

• We do not disclose nonpublic personal financial information about you to nonaffiliated third parties except as the law allows, such as to process an application or service your policy. Because we do not share it for other purposes, there is nothing you need to opt out of.
• We do not disclose nonpublic personal health information about you without your authorization, except for insurance functions permitted by law.
• Insurance companies you enroll with will send you their own privacy notices, which describe how they handle your information.

09 How we protect your information

We use reasonable administrative, technical and physical safeguards to protect your information, including limiting access to people who need it, password-protected systems, an encrypted (HTTPS) website and spam protection on our form. No website, email system or storage method is completely secure, so we cannot guarantee absolute security. If we learn of a breach affecting your personal information, we will notify you as required by Washington law (RCW 19.255.010).

10 How long we keep information

We keep information as long as we need it to help you, to service your coverage and to meet the record-keeping rules that apply to licensed insurance producers, and to resolve disputes. When we no longer need it, we delete or de-identify it securely. Website analytics data is kept according to the settings of the tools listed in section 6.

11 Your rights and how to make a request

You can ask us to:

• Access the personal information we hold about you.
• Correct information that is wrong or out of date.
• Delete your information, unless we must keep it to meet insurance record-keeping laws or service your active coverage.
• Withdraw consent or stop calls and emails at any time.

Contact Kevin Husted at (509) 524-9611, Kevin@AdvisorHealthBenefits.com or by mail. We will verify your identity before acting on a request and will respond within 45 days. Requests about consumer health data follow the process in section 4, including your right to appeal.

To change information an insurance company or government program holds, such as your Medicare or Healthplanfinder record, you may also need to contact them directly. We are glad to help.

12 Children's privacy

This website is not directed to children under 13, and we do not knowingly collect personal information from them online. Parents and guardians may contact us about coverage for a child, and we use that information only to help the family. If you believe a child has sent us information through the website, contact us and we will delete it. Learn more about the Children's Online Privacy Protection Rule.

13 Links to other websites

Our site links to government and insurance websites such as Medicare.gov, Washington Healthplanfinder and the Washington State Health Care Authority. We do not control those sites, and their own privacy policies apply when you use them.

14 Changes to this policy

We may update this policy when our practices or the law change. We will post the new version here with a new "Last updated" date, and if the changes are significant we will tell clients directly. We will ask for your consent before using consumer health data in a materially different way.

15 Contact us or file a complaint

Questions, requests or concerns about privacy can go to Kevin Husted at (509) 524-9611, Kevin@AdvisorHealthBenefits.com or by mail to Advisor Health Benefits Group, LLC, 1446 Spaulding Ave, Suite 302, Richland, WA 99352. You can also use our contact page.

If you are not satisfied with our response, you can contact the Washington Office of the Insurance Commissioner at 1-800-562-6900, or the Washington Attorney General's Office.