Commercial Risk Group Disclaimer
Notice of Information Practices
THIS NOTICE DESCRIBES HOW MEDICAL AND OTHER PERSONAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED. IT ALSO DESCRIBES HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW THE NOTICE CAREFULLY.
You entrust us with individually identifiable health and financial information (referred to as “personal information” in the rest of this notice). You are our best and most important source of information about you and others listed on your application. We may also collect personal information about you from others, such as health care providers, employers, or insurance companies.
EXAMPLES OF INFORMATION WE MAY COLLECT AND MAINTAIN
Your name, address, telephone number, Social Security number, date of birth, income, E-mail address, policy or account number, account not permitted or required by law, will be made only balance, policy coverage, premium payment, claims with your written authorization. You may revoke history, medical information, and motor vehicle reports.
INFORMATION WE ARE PERMITTED TO USE
AND DISCLOSE WITHOUT AN AUTHORIZATION
We may use and share the personal information described above, but only as permitted or required by law. Examples include, but are not limited to, the following situations:
- To affiliates, but limited to transaction and experience information.
- To those who act on our behalf. They are required to keep the information confidential.
- They are required to use the information only to provide the services we have asked them to provide. They may include payment processing companies, mailing houses, data processing companies, business consultants, system support vendors, Internet vendors, and those that provide access to provider discounts for our insureds.
- To financial institutions with which we jointly offer, endorse, or sponsor a financial product or service.
- To the individual who is the subject of the information.
- For payment, such as using details received from an insurance company to coordinate benefits.
- For payment, such as to a health care provider to identify insurance coverage or benefits.
- For treatment, such as to your health care providers to help them provide medical care.
- For health care operations, such as exchanging information with another insurance company to detect or prevent criminal activity, fraud, and material misrepresentation.
- To provide appointment reminders or information about treatment alternatives or other health-related benefits and services that may be of interest to you.
- To a group health plan sponsor.
- For public health activities, such as to prevent or control disease, injury, or disability.
- To persons involved with your care, such as a family member, when you are incapacitated or in an emergency.
- To health oversight agencies for compliance purposes.
- In response to a court or administrative order.
- In response to a subpoena, discovery request, or other lawful process by another person involved in a dispute.
- For law enforcement purposes.
- To coroners, medical examiners, or funeral directors.
- To avert a serious threat to health or safety to you, another person, or the public.
- To federal officials for intelligence, counterintelligence, and other national security activities.
- To Worker’s Compensation or other programs that provide benefits for work related injuries or illness.
ALL OTHER USES AND DISCLOSURES OF PERSONAL INFORMATION
All other uses and sharing of personal information, the authorization in writing. If you do, we will no longer use or share the information for the reasons covered by the authorization -- unless we have taken action based on the authorization. We are unable to withdraw any disclosures we have already made with your authorization.
YOUR RIGHTS REGARDING YOUR PERSONAL INFORMATION
With respect to your personal information, you have the following rights:
- To view it during regular business hours and to obtain a copy of it.
- To request that we amend it. (We will notify you within 30 days of your request with our reason for any refusal. You may file a statement of your disagreement that we will keep in your file.)
- To receive written notice from us, if we amend it at your request. We will provide updates to all parties that have received information from us within the past 2 years (7 years for support organizations.)
- To receive details about our sharing of it, including the types of sources it came from. Additionally, with respect to your personal health information, you have the following rights:
- To request that we communicate with you about it by alternative means or at an alternative location if our sharing of all or part of it could endanger you.
- To request that we restrict the use and sharing of it. (We do not have to agree.)
Additional rights may be available under state law. There are some exceptions to these rights. Please send a written request to the address below.
FORMER CUSTOMERS
If your customer relationship with Commercial Risk Group ends, we will still treat your information as described in this notice.
SECURITY OF PERSONAL INFORMATION
We maintain physical, administrative, and technical safeguards to guard your information. We limit employee access to information based on job duties.
FAIR CREDIT REPORTING ACT NOTICE
In some cases, we may ask a consumer-reporting agency to compile an investigative consumer report about you. If we request such a report, we will notify you promptly with the name and address of the agency that will furnish the report. You may request in writing to be interviewed as part of the investigation. The agency may retain a copy of the report. The agency may disclose it to other persons as allowed by the federal Fair Credit Reporting Act.
MEDICAL INFORMATION BUREAU
We or our reinsurers may make a report of personal information in conjunction with our membership in the Medical Information Bureau (MIB). This is a nonprofit organization of life insurance companies, which operates an information exchange on behalf of its members. If an application or claim for benefits is submitted to another Bureau member company for life or health insurance coverage, the Bureau, upon request, will supply such company with information in its file.
If you question the accuracy of information in the Bureau’s file, you may seek a correction in accordance with the procedures set forth in the federal
OUR DUTIES
We are required to keep your personal information private. We are providing this notice of our legal duties and privacy practices. We will abide by the terms of this notice as currently in effect. If you believe your privacy rights have been violated, you may send a written complaint to Commercial Risk Group at the address below. You may also write to the Secretary of the Department of Health and Human Services. We will not take action against you for filing the complaint. You will receive this notice each year. We reserve the right to change the terms of our notice. We reserve the right to make the new notice apply to all personal information that we maintain. We will send a new notice within 60 days of any material change. We will mail it to your last known address or send it by E-mail if you have agreed to electronic notice. For more information or to obtain a copy, please contact:
This notice, effective January 2006, is being provided on behalf of Golden Rule Insurance Company and the following affiliates: All Savers Insurance Company, Golden Rule Financial Corporation, Ovations, Inc., Specialized Care Services, Inc., Rooney Life Insurance Company, Spectera, Inc., Uniprise, Inc., UnitedHealthcare, Inc., and United HealthCare Services, Inc. To obtain an authorization for Golden Rule to release your personal information to another party, please go to goldenrule.com and click on “Customer Service.” Then select “Download Health Insurance Forms.”
Internet Privacy Policy
You can trust us with your information.
We're very sensitive to privacy issues and respect your right to privacy. It's important for you to know how we handle the information we receive from you via the Internet.
Respecting Your Right to Privacy
All of our business practices are in full compliance with the privacy requirements under the Health Insurance Portability and Accountability Act (HIPAA).
Protecting Your Confidential Information
We do not sell or share information to companies outside of our our organization.
However, it may be necessary for us to provide information to contracted external partners in order to respond to your inquiries and to provide you with services on our behalf. They may only use the information provided for the specified use and project.
Your Online Preferences
We may use "cookie" technology to obtain usage information from our online visitors. You may disable your cookie information by adjusting your browser preferences on your personal computer at any time. Keep in mind that cookies do not identify a specific user and are not used to collect any personal information.
In order to provide you with the best possible service and relevant information to you, we may use cookies to:
- Track resources and data accessed on the site per visitor
- Record general site statistics and activity
- Assist users experiencing Web site problems
Your Data is Safe
We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site.
Our Online Communication Practices
You should know that unless otherwise noted, the email functionality on our site does not provide a completely secure and confidential means of communication. It is possible that your email communication may be accessed or viewed inappropriately by another Internet user while in transit to us. If you wish to keep your information completely private, you should not use email.
We may send email communications to you related to the services we provide to you, your indicated interests, and web site updates.
We may also send electronic newsletters on a periodic basis to various individuals and organizations. To opt-out of the newsletter you're receiving, click on the opt-out button associated with the specific communication.
