Collection of Information
We obtain most of the information we need directly from you during the application process, or when you file a claim. We also gather information about your transactions with us, such as payment history and claims. We may obtain it from outside parties such as health providers or consumer reporting agencies. We may collect personal data about you to process transactions or claims, to determine if you qualify for coverage and to prevent fraud. Where required, we will obtain your consent before collecting it.
Disclosure of Information
We comply with Federal and State requirements related to the protection and use of your data. This means that we only share data where we are permited or required to do so. We also may be required to obtain your authorization before disclosing certain types of personal data.
We may use your data in order to:
- Process transactions or claims
- Determine your eligibility for coverage
- Respond to your requests
- Prevent fraud
- Comply with regulatory requirements
- Share with you related products and services we offer.
Protection of Information
In order to protect your personal data, we maintain physical, electronic and procedural safeguards. We review these safeguards regularly in keeping with technological advancements. We restrict access to your personal data. We also train our employees in the proper handling of your personal data.
We do not sell personal data about current or former customers or their accounts. We do not share your personal data for marketing purposes with anyone outside our family of companies. When affiliates or outside companies perform a service on our behalf, we may share your personal data with them. We require them to protect your personal data, and we only permit them to use your personal data to perform these services.