Retirement Solutions Enrollment Guide

Transcription

1 Enrollment Guide Preparing for 2017 Medicare Enrollment

2 Contents Who is HealthPlanOne?...3 What to Expect from Us...4 How will this process work?...5 Gather Your Information...6 Contact Information and Medicare Details...8 Your Prescription Medications...10 Your Doctor Information...12 Understading Your Options...14 Evaluate Your Plan Choices...17 Before Your Enrollment Call After Your Enrollment Call...23 Frequently Asked Questions...24 Glossary of Medicare Terms...29 Privacy Policy...31

3 Who is HealthPlanOne? Trusted advisor for Medicare-eligible participants Your former employer has selected HealthPlanOne to assist you as you evaluate and select your Medicare coverage for HealthPlanOne is a leading provider of Medicare Advantage and Medicare supplement solutions to retirees nationally. You ll not only receive access to all major carriers and plans and online education and decision support tools, but will also work with a dedicated Advisor who will provide you personalized service, unbiased advice and help in identifying the insurance plan that best meets your unique needs. We have successfully helped many thousands of Medicare-eligible individuals navigate the Medicare plan enrollment process and are committed to helping individuals like you understand your options for Medicare health coverage and ultimately choose the plans that work best for you. This guide explains what information you ll need to gather for the enrollment process, how to evaluate your coverage options, the steps you ll take to enroll and what to expect after enrollment. We look forward to helping you make the right choice! At any time during this process, please feel free to contact your HealthPlanOne Advisor at the phone number located on your Welcome Letter. Preparing for 2017 Medicare Enrollment 3

4 What to Expect from Us The right plan at the right price Your former employer has selected HealthPlanOne to assist you as you evaluate and select your Medicare coverage for HealthPlanOne will give you access to a Medicare marketplace that includes a wide variety of Medicare Advantage, Medicare supplement (also known as medigap) and Part D prescription drug plans from the nation s leading health insurers. Individual Medicare plans share a larger risk pool than employer group plans, as a result, the plans offered in our marketplace can cost the same or less than your group plan. Best of all, HealthPlanOne provides this service at no cost to you or your spouse. When you work with HealthPlanOne you can expect: EDUCATIONAL GUIDANCE Our benefit Advisors and easy-to-use online tools will guide you through the individual Medicare market, ensuring you confidently choose the plan that best fits your needs. UNBIASED, PERSONAL SUPPORT Our licensed benefit Advisors are trained to be your objective advocates, with no incentive to sell any carrier or type of plan over another. ACCURATE ENROLLMENT Once you have selected a plan, your benefit Advisor will assist you with enrollment, ensuring your application is processed correctly. CONTINUED SUPPORT AFTER ENROLLMENT When you purchase a Medicare plan through HealthPlanOne, we continue to be your advocate for the lifetime of your enrollment. If your medications or needs change or you move, contact us to determine if your plan is still the right one for you. We are available to help you make changes if necessary. 4 Preparing for 2017 Medicare Enrollment

5 How will this process work? Information Gathering Gather the necessary information to ensure a quick and easy enrollment process. Specifics regarding your doctors, prescriptions, and your Medicare details are all critical. Shop Review the Medicare information in this guide, evaluate the available plans, and work with your Advisor to identify the best plan for you. Purchase Working with your Advisor, you enroll in a Medicare plan that best fits your needs and budget. Ongoing Support HealthPlanOne Advisors will continue to provide support to you for things such as claim issues, appeals, coverage questions and plan renewals. Preparing for 2017 Medicare Enrollment 5

6 Gather Your Information Collect your information for an easy, quick enrollment experience In order to enroll you in the plan that best fits your needs, we re going to need to know a little bit about your medical preferences and background. To help you gather this information in one handy place, we ve created this guide which will explain what information is needed and has space for you to record it. If your spouse or eligible dependents will also be enrolling in a plan, we ll need the same information from them, so you may want to collect that in a safe place as well. Gathering this information prior to beginning enrollment will expedite the process. 6 Preparing for 2017 Medicare Enrollment

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8 Contact Information and Medicare Details Your name, current phone number, address and Social Security number will be required to complete your enrollment. We will also need information from your Medicare ID card including your name (as it appears on your card), your Medicare claim number, and your Part A and Part B effective dates. PROVIDING INFORMATION FOR YOUR SPOUSE Please note that your spouse and/or eligible dependent(s) must make their own plan elections for 2017 benefits. If your spouse plans to enroll through HealthPlanOne, he or she should also collect his or her personal profile information. You may download additional copies of this guide from the website to use to record their information, or you can just use a separate sheet of paper. PROTECTING YOUR PRIVACY HealthPlanOne shares your concerns about personal privacy; the information you provide will be used only by your benefit Advisor, and only to find the health care plans that fit your needs. Our privacy policy can be found on pages 31 through 38. Once you have provided the information requested, we suggest that you securely file this guide with your other important papers. 8 Preparing for 2017 Medicare Enrollment

9 Required Information My current phone number:... My current address:... My Social Security Number:... My name (as it appears on my Medicare ID card):... My Medicare claim number:... My Part A Effective Date:... My Part B Effective Date:... Preparing for 2017 Medicare Enrollment 9

10 Your Prescription Medications Providing your prescription medications will help us find the right prescription drug plan coverage for you. Once you have provided your prescription information, HealthPlanOne uses a powerful matching tool called My Medicine Cabinet SM to identify the most cost-effective plans based on your unique needs. Medication Dosage 10 Preparing for 2017 Medicare Enrollment

11 It is helpful to provide information on your medications dosage, form, quantity, and how often you take these drugs. All this information can be found on the medication label (see sample). Don t forget to include medications you order by mail. YOUR PHARMACY S ADDRESS AND PHONE NUMBER DOE, JANE 123 GENERAL ROAD CITY, STATE BONIVA 150 MG TAKE 1 TABLET ONCE A MONTH QUANTITY: 12 NAME & DOSAGE FORM (tablet, liquid, capsule, etc.) QUANTITY Form Quantity Frequency Preparing for 2017 Medicare Enrollment 11

12 Doctor Information During your enrollment call, we may need to verify whether or not your doctor participates with specific plans. Physician Name Phone Number Address 12 Preparing for 2017 Medicare Enrollment

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14 Understanding Your Options Choosing the plan that s right for you During the 2017 enrollment period, you will have the opportunity to supplement or replace your original Medicare coverage with medical and prescription drug coverage. This coverage is available to everyone who is Medicare-eligible, regardless of income. In the following sections you will find a comparison of Medicare Advantage, Medicare supplement, and prescription drug (Part D) plans along with advice on how to choose the right coverage for you. Your benefit Advisor will also review these options with you during your scheduled pre-enrollment call. Please note that your eligible dependent(s) each must make their own plan election. Option 1 A Medicare supplement plan (Medigap) and a Part D plan MEDIGAP PLAN PART D PLAN MEDICARE SUPPLEMENT PLAN A Medicare supplement (medigap) plan is purchased in addition to original Medicare Part A and Part B coverage in order to fill the gaps in original Medicare Part A and Part B coverage. That is, supplement coverage will help pay the difference between the total costs of the services provided and the amount original Medicare pays. These plans provide additional coverage for your doctor visits and hospital stays as well as other expenses partially covered by original Medicare, but they do not provide prescription drug coverage. PART D PLAN A Part D plan provides prescription drug coverage. These plans help pay for your prescription drug expenses. Benefits of a Medicare Supplement Plan: The main value of a Medicare Supplement (Medigap) plan is predictability. You will know that your plan will be accepted by any doctor or hospital that accepts original 14 Preparing for 2017 Medicare Enrollment

15 Medicare. You will also know your premiums are all you will pay for services covered by Medicare. In exchange for this certainty, you may pay higher monthly premiums than for other plan options. Adding a Part D plan to your supplement plan is recommended, as these plans will not provide coverage for your prescription drugs. A Medicare supplement plan combined with a Part D plan might be a fit if: You prefer the flexibility to see any doctors that accept Medicare, including your current doctors. Medicare supplement plans are accepted by all doctors that accept Medicare. You have frequent doctor visits, or you see several different doctors regularly. Many supplement plans do not require copayments or co-insurance so each visit to the doctor or hospital is covered by your monthly premium payments. You travel frequently. Medicare supplement plans are widely accepted and usually cover multiple residencies and numerous trips better than other plans. Option 2 A Medicare Advantage Plan with Prescription Coverage (MAPD) MEDICARE ADVANTAGE MEDICARE ADVANTAGE PLAN A Medicare Advantage (MAPD) plan is a PPO or HMO plan that combines your Part A, Part B and prescription drug coverage together with additional benefits. These plans provide coverage for your doctor visits, hospital stays, and prescription drug expenses. Benefits of a Medicare Advantage Plan: The main benefit of a Medicare Advantage plan is potential cost savings. Medicare Advantage plans cover medical and prescription drug expenses with a single premium which is usually lower than Medicare supplement (medigap) plan premiums. In exchange, Medicare Advantage plans often charge a per-visit fee, either through a copayment or co-insurance. In most cases, Medicare Advantage plans utilize a network of doctors affiliated with the carrier that offers the plan. Preparing for 2017 Medicare Enrollment 15

16 Option 2 - continued... A Medicare Advantage Plan with Prescription Covearge(MAPD) MEDICARE ADVANTAGE A Medicare Advantage (MAPD) plan might be a fit if: You aren t opposed to using doctors in a network Medicare Advantage plans usually offer a lower-cost option to those willing to receive services from a defined doctor network. You visit the doctor infrequently. In exchange for their lower monthly premium, Medicare Advantage plans charge a per-visit fee, if you visit the doctor infrequently this won t be an issue. You prefer to manage a single plan with only one premium Medicare Advantage plans combine medical and drug coverage in one plan, providing all of your benefits for a single premium. 16 Preparing for 2017 Medicare Enrollment

17 Evaluate your Medicare Plan Choices There are two main ways to receive your Medicare coverage. Option One is through Original Medicare combined with a Medigap and/or prescription plan. Option Two is through a Medicare Advantage Plan. It is important to educate yourself on the benefits of each, in order to determine which option best fits your needs. Use the steps below to assist you in your decision-making process. Step 1: Decide how you want to receive your core coverage. Option One Original Medicare Option Two Medicare Advantage Part A Hospital Part B Medical Part C Combines Parts A, B and D Step 2: Decide if you would like to add drug coverage. Part D Prescription Drug Part D not available to those enrolled in a Medicare Advantage plan. Step 3: Decide if you would like to add supplemental coverage. Medicare Supplement (Medigap) Supplement plans are not available to those enrolled in a Medicare Advantage plan. Step 4: Decide if you would like to add Vision, Dental or Hospital Indemnity coverage. Vision/Dental Hospital Indemnitiy Vision/Dental Hospital Indemnitiy

18 Medigap Plan MEDIGAP PLAN Does it include hospital coverage? Yes Does it cover doctors & specialists? Yes. Any doctor that accepts Original Medicare will accept Medigap plans. Does it provide dental & vision benefits? No. However, seperate dental & visions plans are available. Does it provide prescription drug coverage? No. You must enroll seperately in a Part D plan to ensure prescription drug coverage. Does it cover me when I travel? Medigap plans are accepted by every Medicareparticipating provider in the U.S., with some emergency benefits worldwide. If you travel frequently or live part of the year out-of-state, these plans may be right for you. 18 Preparing for 2017 Medicare Enrollment

19 Part D Plan PART D PLAN Medicare Advantage MEDICARE ADVANTAGE No. Part D plans only cover prescription drugs. They do not provide hospital, doctor, specialist, dental or vision coverage. Yes Yes. There are three types of Medicare Advantage doctor networks: HMO*, PPO*, & PFFS*. Note that if you wish to keep your current doctors you must know which Medicare Advantage plans they accept prior to enrolling. Dental & vision coverage varies by plan. Separate dental & vision plans are available if you choose a plan without dental & vision coverage. Yes. Part D plans only cover prescription drugs. There are two types of Medicare Advantage plans: MAPD, which include prescription drug coverage, & MA, which do not. Part D plans provide nationwide coverage from participating pharmacies. Medicare Advantage plans cover urgent & emergency services nationwide, but may not provide nationwide coverage for non-emergency services. If you live part of the year out-of-state, these plans may not be right for you. *Please see pages for definition of these terms. Preparing for 2017 Medicare Enrollment 19

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21 Before Your Enrollment Call During your enrollment call your benefit Advisor will ask questions in order to find the plans that best fit your needs. Having the answers to these questions handy will expedite your call. Things to Consider 1. Through your research have you found a plan that interests you? Please note the plan name for the call. 2. Do you want to keep your current doctors? 3. How many doctors or specialists do you see, and how frequently? 4. Do you have any medical conditions or upcoming treatments? 5. Do you require routine care while away from home? 6. Do you use mail order for prescriptions? 7. Do you have a preferred pharmacy? 8. Would you prefer not to have copayments or deductibles? A Final Checklist HAVE YOU: Completed the required information in this guide? Researched your plan options located on the under Evaluate and Compare on our website Noted any plans that are of interest to you, and reasons why? Your billing information. Some insurers may require first month s premium payment during the application process. If you d like to have another person on the call please make arrangements with them to be available prior to the call. Your benefit Advisor can connect them if they are calling from a different phone number. Note: they may not make your enrollment for you unless granted your medical Power of Attorney, a process that can be completed online in advance of your call. Preparing for 2017 Medicare Enrollment 21

22 Complete Your Enrollment Call Prior to completing your enrollment call, please review the information in this guide, compile the requested information, and use the tools found on our website to research plans and consider your health care priorities. Call durations vary, but allow at least one hour to complete your call. CONTACTING YOUR BENEFIT ADVISOR Contact your benefit Advisor on the number provided on your Welcome Letter. When your benefit Advisor answers the phone he or she will be prepared to help you evaluate your options and enroll you in the best plan for your needs. Most people complete the whole process in one call. 22 Preparing for 2017 Medicare Enrollment

23 After Your Enrollment Call Support throughout the year Our services don t end when your enrollment call is over. We continue to be your advocate throughout the years, and for the lifetime of your enrollment. SUPPORT AFTER YOUR ENROLLMENT After your enrollment our customer service team remains available should you have issues or concerns related to your health insurance. A TIMELINE: AFTER YOUR CALL Insurance Cards Once your application is accepted, your new insurance carrier will mail new identification cards. Look for these cards between six and eight weeks after enrolling. Status Call Early in 2017, you will receive a call from your HealthPlanOne benefit Advisor checking in to see how things are going and providing information on how to contact us during the year. Annual Enrollment Period HealthPlanOne will notify you by postcard prior to the next Annual Enrollment Period. You will be able to investigate other medical and drug plans and enroll in a different plan should you choose to do so at this time. Preparing for 2017 Medicare Enrollment 23

24 Frequently Asked Questions We at HealthPlanOne understand that your health care decisions are important, but can be confusing. Below are answers to some of the questions we re asked most frequently. WILL MY NEW PLAN BE AS GOOD AS MY CURRENT PLAN? We work with the top national and regional insurance companies to ensure that you will have quality individual plan options. Because of the large number of plans available, there will certainly be individual plans available that are similar to your current group plan, and there will likely be plans better suited to your needs. Because you ll be presented multiple options, you ll be able to choose the plan that best satisfies your specific needs. ARE MY OPTIONS AND RATES AFFECTED BY MY CURRENT OR PAST HEALTH? No. For those changing from employer-based group health coverage to individual coverage, there are no health-based restrictions, nor are any penalties reflected in your premiums. WHAT CAN I EXPECT TO PAY FOR MY NEW PLAN? What you will pay depends on the type of plan that you select. HealthPlanOne s research shows that many people will continue to pay about the same as they did under group coverage with their former employer, but some may pay more and others will pay less. During the enrollment season your HealthPlanOne benefit advisor will work with you to understand the costs and the benefits of the different coverage options available to you. HOW LONG DOES ENROLLMENT TAKE? Most people are able to complete their enrollment in one call. Call duration varies, but most calls average slightly more than an hour. Those who have completed their personal profile, and who have scheduled an enrollment appointment in advance, tend to have shorter calls. 24 Preparing for 2017 Medicare Enrollment

25 WHAT IS A HEALTHCARE EXCHANGE? A healthcare exchange enables individuals to shop for and enroll in healthcare plans. Individuals are able to compare hundreds of plans from the nation s leading health insurance carriers, choosing the coverage that is right for them. The HealthPlanOne exchange is a marketplace that offers the personalization of individual health plans, the freedom of choice, and the value of an open market. CAN I STILL USE MY CURRENT DOCTOR? We understand the importance of continuing to see your current doctor(s). To make your enrollment call more efficient, we recommend talking to them prior to your call, asking which insurance plans they accept. During your enrollment we can determine if your doctor will accept a particular plan, but we will need their name and address. CAN I CONTINUE TO USE THE SAME INSURANCE COMPANY? In many cases, you may be able to. However, while we recognize the importance of staying with an insurance company you know and trust, understand that employersponsored health plans and individual health plans may work differently, even when provided by the same insurance company. Your current insurance company may not offer an individual Medicare plan tailored to your specific needs. HealthPlanOne will compare your current insurance benefits to that of the other plans it offers, allowing you to find the plan that fits your needs. Through this process, you may even discover that another insurer offers a plan that is a better fit for your individual needs. DO I NEED TO KEEP PAYING MY MEDICARE PART B PREMIUM? Yes. To qualify for a Medicare supplement or Medicare Advantage plan, beneficiaries must be enrolled in and continue to pay for Medicare Part B. WILL HEALTHPLANONE BE AVAILABLE TO ASSIST ME NEXT YEAR? Yes. When you purchase a Medicare plan through HealthPlanOne, we continue to be your advocate for the lifetime of your enrollment. You can call your benefit Advisor at any time you have questions about your benefits. Preparing for 2017 Medicare Enrollment 25

26 DO YOU OFFER PLANS THAT COVER ME IN MULTIPLE STATES OR THAT COVER ME WHEN I TRAVEL DOMESTICALLY OR INTERNATIONALLY? Medicare supplement plans are accepted by every Medicare-participating provider in the United States and provides some emergency benefits worldwide. If you travel frequently or live part of the year out-of-state, these plans may be right for you. Part D plans provide nationwide coverage from participating pharmacies. Medicare Advantage plans do cover urgent and emergency services nationwide but some may not provide nationwide coverage for non-emergency services. If you live part of the year out-of-state, Medicare Advantage plans may not be right for you. IF I DON T LIKE THE PLAN I ENROLLED IN, WHEN CAN I CHANGE? Each year the Open Enrollment Period allows you to investigate other medical and drug plans and enroll in a different plan should you choose to. However, after your initial enrollment, your medical status may limit the plans available to you. WHAT IS MEANT BY GUARANTEED ISSUE? Normally, if you enroll during the specified enrollment period, you are guaranteed coverage by one of the plans available in your area, regardless of your current medical conditions. Plans are available to everyone who is Medicare-eligible, regardless of income. During your first enrollment period, Medicare supplement (medigap) insurance plans for which you are eligible are guaranteed issue you cannot be turned down based on your medical history or pre-existing conditions. However, after your first enrollment period, changes to your Medicare supplement plans may be subject to medical underwriting. This means that you can be rejected based on pre-existing medical conditions. If you choose not to enroll in a Medicare supplement (medigap) plan when first eligible, you will lose guaranteed issue status for future applications. 26 Preparing for 2017 Medicare Enrollment

27 If you wish to change your Medicare supplement coverage in the future, HealthPlanOne will work with you and your preferred plan to meet underwriting conditions, but you are not necessarily guaranteed acceptance. During available enrollment periods, Medicare Advantage plans are always guaranteed issue for Medicare-eligible individuals who have Medicare Part A and Part B coverage. Preparing for 2017 Medicare Enrollment 27

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29 Glossary of Medicare Terms Understand some of the key terms of Medicare coverage Catastrophic Coverage This is the final phase of coverage for prescription drug coverage. In 2017, this phase starts when your total out-of-pocket spending in the year reaches $4,950. Within this phase, you will pay a much smaller amount for each prescription drug you receive: the greater of 5% or $3.30 for generic drugs and the greater of 5% or $8.25 for brand-name drugs. Coinsurance A percentage of coverage expenses that a patient must pay out-of pocket. Co-payment (Co-pay) A charge, collected at the time of service and paid by the patient, for certain services including prescription drugs. Generally copayments are not applied toward deductibles and out-of-pocket maximums. Coverage Gap For prescription drug plans, the gap phase of coverage follows the initial coverage phase. In 2017, once the total cost of the drugs you receive reaches $3,700, you will enter the gap phase of coverage. While in this phase of coverage, you will pay outof-pocket 40% of the cost of brand-name drugs and 51% of the cost of generic drugs until your total out-of-pocket spending in the year reaches $4,950. If you reach this level of spending, you will enter the catastrophic phase of coverage. Deductible The amount you pay out-of-pocket toward covered medical expenses before your plan begins paying. Donut Hole Another name for the coverage gap. HMO (Health Maintenance Organization) An HMO is an insurer offering comprehensive health coverage. HMOs may employ their own staff, or they may contract with a network of preferred providers for health Preparing for 2017 Medicare Enrollment 29

30 services. HMO members generally need pre-approval from their primary care doctor to see a specialist. Initial Coverage Phase After paying the deductible for a prescription drug plan (if your plan has a deductible), the initial phase of insurance coverage begins, during which you will pay either a flatdollar co-pay or a coinsurance percentage for each prescription drug you receive. For 2017, the initial coverage phase lasts until the total cost of drugs you receive in the year reaches $3,700. Medicare Supplement Insurance (Medigap) Policies sold by private insurance companies to fill gaps in original Medicare coverage. In general, with a medigap policy, beneficiaries get help paying for some or all of the health care costs not covered by the original Medicare plan. Part D (Prescription Drug plans) Stand-alone plans that add prescription drug coverage to original Medicare, Medicare Advantage and medigap plans. These plans are offered by insurance companies approved by Medicare. PFFS (Private Fee-for-Service) A type of health insurance plan offered by a private company that covers a set range of services and allows you to choose your doctor or hospital with no (or minimal) restrictions so long as the doctor accepts payment by that plan. PPO (Preferred Provider Organization) Sometimes referred to as a participating provider organization, a PPO is an organization of medical doctors, hospitals, and other health care providers who have contracted with an insurer or a third-party administrator to provide health care services at reduced rates to the insurer s or administrator s clients. Members can seek services outside the contracted providers, but generally at a higher cost. 30 Preparing for 2017 Medicare Enrollment

31 Privacy Policy This Privacy Policy is hereby incorporated by reference into the HealthPlanOne s Terms of Service and applies to information collected by HealthPlanOne in connection with your use of HealthPlanOne s websites (the Sites ) and our services, which include providing you with information about insurance options, assisting with the selection of and enrollment in an insurance plan, providing you with an opportunity to interact with other users, and other products and services that may be available to you (the Services ). In this Privacy Policy, the words you, your, and customer are used to mean you, an individual user from whom HealthPlanOne has collected personal information through the Sites, including for purposes of assisting in administration of an employer s plan or enrolling in an individual health plan by a HealthPlanOne benefit Advisor. As a provider of services and products that involve compiling personal information, HealthPlanOne takes your privacy very seriously. We may not collect all of the types of information described below, however, this policy explains how we handle and protect your personal information and protected health information. When you enroll in a particular health plan, it will have its own privacy policies that describe how your information will be treated. To obtain a copy of your health plan s HIPAAmandated Notice of Privacy Practices, please contact the member services number on your health plan ID card. INFORMATION WE COLLECT HealthPlanOne collects information that helps us to serve your needs, provide you with personalized customer service and fulfill our legal and regulatory obligations. Depending on the services that we provide to you and any services that you might request, we collect information such as: 1. information provided by you or your current or former employer ( employer ) or labor union, and if this information is not available from your employer or labor union, we may collect it from third party sources, 2. responses from you and others appointed by you regarding your health care providers and any medications you may take, 3. information about your relationship with us, such as products purchased through HealthPlanOne and your transaction histories, 4. information necessary to provide customer service such as demographic information, gender, location and preferences when such information is linked to other information that identifies you, Preparing for 2017 Medicare Enrollment 31

32 5. information from healthcare providers such as hospitals, doctors, and laboratories, and 6. information about your health condition received from your health plan. Your personal information is also used to identify you and maintain the security and privacy of your benefits. REGISTERING WITH US; We collect personal information from you when you register with us and when you voluntarily submit or post information about yourself using certain features of the Site. You may register with us through the Site or through our customer service centers by providing or confirming certain personal or contact information (e.g., address, phone number, gender, date of birth) to one of our benefit advisors. APPLYING FOR HEALTH INSURANCE AND OTHER PRODUCTS If you apply for health insurance or other products through our call center, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used by your chosen insurance company, agent or plan administrator to process your application. Additionally, we may ask you to provide us with credit card or bank account information, which will be used by your chosen insurance company or plan administrator to process your application and collect any fees associated with your application or insurance premiums upon approval of your application. SURVEYS; USER SUBMISSIONS If you provide information or feedback to us through online surveys, various forms and features of the Services or other interactive forms, we use this information to operate and enhance the Sites and to better understand your health insurance needs and to provide quality products, services and other opportunities. We plan to use any information we obtain from you to help us continually improve our customers experiences. TECHNICAL INFORMATION AND COOKIES When you use the Sites, we may automatically record certain information from your web browser and/or your computer or other device that you use to access the Sites, using different types of technology, including cookies, standard log files, clear gifs or web beacons. These technologies generally consist of a text file that is transferred to your computer s hard drive for record-keeping purposes and to enhance the quality of your visit to the Sites. This automatically collected information may include your 32 Preparing for 2017 Medicare Enrollment

33 Internet Protocol (IP) address, device model and/or type, device address or ID, web browser, operating system, the content you view on the Sites, actions you take using the Sites, and the dates and times that you use the Sites, as well as search queries you may have used to find the Sites. We may use persistent cookies (that remain in place after you exit the Site to help us recognize you when you return) and session cookies that will be deleted when you exit the Sites. You can set your browser to refuse cookies, but doing so will limit system performance and may even cause certain features of the Sites to malfunction or not work at all. SOCIAL SECURITY NUMBERS, HEALTH INSURANCE CLAIM NUMBERS AND TAXPAYER IDENTIFICATION NUMBERS We may collect your Social Security Number and/or Health Insurance Claim Number from you or your employer or labor union in the course of our regular business functions. Also, in certain circumstances we receive Social Security Numbers or Taxpayer Identification Numbers in connection with an individual s prospective, current or former employment. It is the policy of HealthPlanOne to protect the confidentiality of Social Security Numbers, Health Insurance Claim Numbers and Taxpayer Identification Numbers. We use these types of data to carry out our business needs and to comply with local, state and national governmental requirements. We do not use this information for internal identification purposes. INTERNAL SECURITY PROCEDURE HealthPlanOne.com has implemented procedures to protect the integrity and security of your Personal Data. However, because the Internet is an open global communications system, we cannot guarantee that information, during transmission through the Internet or while stored on our system, will be safe from external attacks or intrusions, such as by hackers. Please also remember that if you leave our website; we cannot be held responsible for the actions of other companies or websites on the Internet. INFORMATION ABOUT CHILDREN Because of the nature of our business we do not solicit or intentionally receive information from children under the age of 13. Parents and legal guardians are permitted to provide us with information about their children. USE OF PERSONAL INFORMATION Any personally identifiable information you give us will be used for our general commercial purposes, including to provide, support, develop, and enhance the Preparing for 2017 Medicare Enrollment 33

34 features of the Sites and the Services, and to provide any product, service or other information that you request. We may use your information to provide applications and services to you, and to display customized content. We may also use personal information for certain auditing, research and analysis activities to operate and improve HealthPlanOne s technologies and services. Your personal information may also be used to set up, process, or contact you regarding your account. We may use your address to contact you to respond to your inquiries or to provide information on products or services to you. You can elect not to receive s from us either by unsubscribing to an that you receive or by contacting us as indicated below. When we use your personal information, it may be processed on our servers in the United States of America and in other countries, and your information may be processed on a server that lies outside your own country. When we use personal information in certain of our internal marketing efforts, we provide you with choices (see Choices below). SHARING OF YOUR PERSONAL INFORMATION We are not in the business of selling your information! Nonetheless, we may disclose certain of your personal information to third parties in connection with the operation of our business in a variety of circumstances, including the following: In general we may disclose information about you to unaffiliated third parties if: 1. you request or authorize it, 2. the information is provided to help complete a transaction for you, 3. the information is provided to comply with the law, applicable regulations, court orders or subpoenas, to enforce our Terms of Service or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.), 4. the disclosure is done as part of a purchase, transfer or sale of services or assets (e.g., in the event that some or all of our assets are acquired by another party, customer information may be one of the transferred assets), 5. the information is provided to our agents, outside vendors or service providers to perform functions on our behalf (e.g., analyzing data, providing marketing assistance, providing customer service, processing orders, etc.), or 6. to others as described in this Privacy Policy. INSURANCE COMPANIES AND AUTHORIZED PLAN 34 Preparing for 2017 Medicare Enrollment

35 ADMINISTRATORS If you submit an application for an insurance product offered by us, we will disclose your personal information to your chosen insurance company to process your application. If you enroll in a health subsidy account (such as a Health Reimbursement Arrangement) or other similar account offered through an authorized plan administrator with whom we have associated, then we may disclose your personal information to that trustee or administrator in order to complete your enrollment in the account. These partners are only allowed to use your personal information to process your requested quote, application or enrollment and are contractually obligated to maintain strict confidentiality and security with respect to your personal information. SERVICE PROVIDERS We may disclose your personal information to other companies that help us process or service your insurance application or correspond with you. For example, we may provide your personal information to a service provider to verify your mailing address, phone number and address. The companies we hire to process or service your insurance application or to correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality and security with respect to your personal information. MARKETING USE We do not disclose your personal information to third parties for their own marketing uses. We may use your information to provide you with information about third parties goods or services unless you tell us not to. USE OF ELECTRONIC MAIL We may provide links on our site to further facilitate communication between our company and you. Information collected through electronic mail may be shared with our customer service department, employees or other third parties that perform services on our behalf. Unless otherwise noted, electronic mail on our site is not a completely secure and confidential means of communication. Nonencrypted electronic communications may be accessed and viewed by other Internet users without your knowledge and permission while in transit to us. Therefore, we recommend that you contact us by phone whenever you are communicating Personal Information to us. HIPAA NOTICE OF PRIVACY PRACTICES Preparing for 2017 Medicare Enrollment 35

36 The Health Insurance Portability and Accountability Act of 1996 (HIPAA) Privacy Rule allows individuals who provide health information to covered entities or their business associates the right to receive a notice that describes how their health information may be used and/or disclosed and how to acquire access to this information. HealthPlanOne, will not ask for or accept medical records from you. However, you may provide certain healthcare information about yourself to us or to HealthPlanOne in order for us to assist you in applying for insurance coverage. But we only use your healthcare information for that purpose and for no other purpose whatsoever. Nor do we ever provide your healthcare information to third parties, except for the health insurance providers (or their agents) to whom you are submitting your application. AGGREGATE INFORMATION HealthPlanOne may disclose aggregated, non-personally-identifiable information to interested third parties to assist such parties in understanding the usage, viewing, and demographic patterns for certain programs, content, services, advertisements, promotions, and/or functionality on the Sites or in connection with providing the Services. SECURITY We are committed to protecting your privacy and preventing the unauthorized access and use of your personal information. HealthPlanOne employs and maintains administrative, physical and technical safeguards to protect your personal information, and to restrict access to those employees and contractors who need to know your personal information to provide products and services to you. Any employee or contractor who violates our Privacy Policy may be subject to disciplinary action. Please note that this is not a guarantee that such information may not be accessed, disclosed, altered, or destroyed in connection with a breach of any of our administrative, physical, or technical safeguards. We cannot ensure or warrant the security of any information you transmit to HealthPlanOne, and you do so at your own risk. While we take steps to protect your personal information and to keep it secure, you also play a role in protecting your information. You can help to maintain the security of your online transactions by not sharing your log-in information with anyone. If we receive instructions using your log-in information we will assume that the instructions have been authorized by you. 36 Preparing for 2017 Medicare Enrollment

37 CONTACT US: Updating your Information If you want to correct or update your personal information, you should contact: HealthPlanOne 35 Nutmeg Drive, Suite 220 Trumbull, CT Attn: Employer Solutions CHOICES We may contact you to survey your satisfaction with our Services. You may opt out of receiving these surveys and/or notices from us. If you want to opt out of receiving these surveys and/or notices, you may use our opt-out page located at www. groupretireesolutions.com/preferences/opt-out, or you may contact us by at or by mail at: HealthPlanOne 35 Nutmeg Drive, Suite 220 Trumbull, CT Attn: Employer Solutions Please note that you will still receive communications from us regarding your insurance quote, application or policy even if you opt out of receiving our surveys and/ or notices of additional products and services. LINKING TO OTHER SITES From time to time we will provide links to other web sites, not owned or controlled by us. We do this because we think this information might be of interest or use to you or where, as a member, we can provide you with value added services. However, we cannot control the privacy practices of other sites so we encourage you to review the privacy practices of any web site you visit. Additionally, the fact that we may offer a link to a third party website does not mean that we endorse that website; nor are we able to guarantee the quality or accuracy of information you may receive from other websites. Preparing for 2017 Medicare Enrollment 37

38 PRIVACY STATEMENT AND CHANGES This Privacy Policy is effective as of the date set forth below. We reserve the right to make changes to the Privacy Policy on any occasion. We recommend that you frequently review the Privacy Policy for any changes or additions. Any changes or updates made to the Privacy Policy will be performed here. This document describes HealthPlanOne s current Privacy Policy. It is not a contract, however, and is not intended to and does not create any contractual or other legal rights in or on behalf of you or any other party. QUESTIONS AND CONCERNS If you have any questions or concerns about this Policy or its implementation, please us at privacy@healthplanone.com or contact us through mail at: HealthPlanOne 35 Nutmeg Drive, Suite 220 Trumbull, CT EFFECTIVE DATE: September Preparing for 2017 Medicare Enrollment

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