www.ehealthmedicare.com Open in urlscan Pro
104.109.83.15  Public Scan

URL: https://www.ehealthmedicare.com/about-us/privacy-policy/
Submission Tags: phishing malicious Search All
Submission: On February 25 via api from US — Scanned from DE

Form analysis 6 forms found in the DOM

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PRIVACY POLICY




--------------------------------------------------------------------------------

Effective Date: November 9 2021

Date Last Updated: November 5, 2021

 

PRIVACY STATEMENT – YOUR PRIVACY RIGHTS

 

 1. Introduction

Thank you for your interest in eHealthInsurance Services, Inc.
(“eHealthInsurance,” “we,” “us,” or “our”).  We are committed to protecting the
privacy of those with whom we interact.  This Privacy Statement (“Statement”)
contains details about how we collect, use, and share Personal Information about
you (defined below) that we obtain from you when you interact with us via our
website, email, mobile application, and in other online and offline
interactions, and from other sources.

Please read this Statement carefully.  It applies to the following websites
owned and operated by eHealthInsurance, and our other websites where we post
this document as the applicable Privacy Policy, along with any related websites,
mobile apps, networks, applications, insurance agent and representative
services, and communication channels (including online chat and telephone call
centers), and other services provided by us (collectively, the “Service”):

 * https://www.medicare.com/
 * https://www.ehealthmedicare.com/
 * https://www.ehealthmedicareplans.com/
 * https://www.ehealthinsurance.com/
 * https://www.gomedigap.com/

Applicability: We collect Personal Information in several contexts as described
below.  However, this Statement does not apply to the following information:

 * Information about our employees, contractors, agents, and job applicants.
   Such information is subject to a separate privacy notice that we will make
   available to individuals.
 * Information we collect from individuals with whom we engage in solely
   business-to-business communications and transactions, such as information
   about the employees of our business partners and customers.

Changes: We may update this Statement from time to time.  The current Statement
will be effective when posted.  Please check this Statement periodically for
updates.  If any of the changes are unacceptable to you, you should cease
interacting with us.  When required under applicable law, we will notify you of
any changes to this Statement by posting an update on this website.  When
required under applicable law, we will seek affirmative consent from you before
making material changes to the way we handle Personal Information previously
collected from you. If you do not provide such consent, Personal Information
will continue to be used in a manner that is consistent with the version of this
Statement that was in effect when the information was collected.

 2. Sources of Personal Information

We collect information about you and how you interact with us in several ways,
including:

 1. Information you provide to us directly. We collect information that you
    provide to us directly, such as when you register with us through our
    Services or you apply for a health insurance or other product through our
    Services.
 2. Information automatically collected or inferred from your online interaction
    with us. We automatically collect technical information about your online
    interactions with us (such as IP address and browsing preferences).
 3. Information from public sources, such as information from public records
    maintained by government entities, and information you submit in public
    forums.
 4. Information from third parties. We receive information about you and your
    interactions with us from third parties, such as pharmacies, healthcare
    providers, insurance companies, credit reporting agencies , marketing and
    advertising providers, social network services, data brokers, and companies
    that provide or sell lists of potential purchasers.  We also may receive
    information about you from friends and family members (such as other people
    insured under the same policy as you).

We may combine information that we receive from the various sources described in
this Statement, including third party sources and public sources, and use or
disclose it for the purposes identified below.

 3. Types of Personal Information We Collect

The types of Personal Information that we may collect about you include:

 1. Identifiers, such as your name, alias, postal address, country of residence,
    unique personal identifier, online identifier, internet protocol address,
    email address, user name, phone number, social media identifiers (e.g.,
    Twitter handle, Instagram name, etc.), Social Security number, driver’s
    license number, or other similar identifiers, including identifiers for
    family members who may be insured under an insurance policy
 2. Customer records, such as your name, signature, address, telephone number,
    bank account number, credit card number, or other payment information.
 3. Application and eligibility information for you and family members who may
    be insured under an insurance policy, such as age, date of birth, gender,
    health status, disability, medical history, military or veteran status, date
    of birth, and financial and tax information (for government subsidies).
 4. Commercial information and preferences, including product preferences,
    advertising preferences, products or services purchased, obtained, or
    considered, or other preferences or interests.
 5. Internet or other electronic network activity information, such as your
    browsing history, search history, IP address, and information regarding your
    interactions with us (including interacting with us online, by the mobile
    application, and through advertisements).
 6. Geolocation information, such as approximate location based on your IP
    address.
 7. Audio, electronic, visual, or similar information, such as call center
    recordings, or customer support chat logs.
 8. Professional or employment information, such as job title, employer,
    business address and contact information.
 9. Inferences drawn from any of the information we collect to create a profile
    about you reflecting your preferences, characteristics, psychological
    trends, predispositions, behavior, attitudes, intelligence, abilities, and
    aptitudes.

 4. How We Use Your Personal Information

We may use each category of your Personal Information described above in the
following ways:

 1. To enable interactions between you and us, such as to facilitate online
    quoting, applications for, and purchases of our products; to register and
    administer your account, to support your interactions with us; to provide
    information about insurance plans; to communicate with you about your policy
    or our data practices; to install and configure changes and updates to
    programs and technologies related to interactions with us; to authenticate
    those who interact with us; and to respond to your requests, complaints, and
    inquiries.
 2. For our own internal business purposes, such as to evaluate or audit the
    usage and performance of programs and technologies related to interactions
    with us; to evaluate and improve the quality of your interactions with us
    and the quality of programs and technologies related to interactions with
    us; to design new services and products; to process and catalog your
    responses to surveys or questionnaires (e.g., customer satisfaction
    reviews); to perform internal research for technological development and
    demonstration; to conduct data analysis and testing; and to maintain proper
    business records.
 3. For legal, safety, or security reasons, such as to comply with laws and
    other legal requirements; to protect our safety, our property or the rights
    of those who interact with us, or others; and to detect, prevent, and
    respond to security incidents or other malicious, deceptive, fraudulent, or
    illegal activity.
 4. In a de-identified, anonymized, or aggregated format. We may convert
    Personal Information into a de-identified, anonymized, or aggregated format,
    and use such information for any legal purpose.   
 5. For marketing.  We may use your Personal Information to market our products
    or services or those of third parties, such as our business partners. We may
    use your Personal Information to invite you to participate in marketing
    surveys, questionnaires, promotions, events or contests. We may audit
    aspects of our ad impressions. We may use your Personal Information for
    short-term transient use, including for contextual ad customization. We may
    use your Personal Information to enhance our content and to deliver
    advertisements to you, including in commercial emails.  For more information
    about online marketing activity, see Section 6 below.
 6. To fulfill other purposes disclosed at the time you provide Personal
    Information or otherwise where we are legally permitted or are required to
    do so.
 7. For any other purposes for which you provide consent.

 5. With Whom We Share Your Personal Information

We may share your Personal Information with the categories of recipients
described below:

 1. Affiliates and subsidiaries: We may share your Personal Information within
    the eHealth Insurance group of companies, which includes parents, corporate
    affiliates, subsidiaries, business units and other companies that share
    common ownership for the purposes described above.
 2. Insurance providers, government health care exchanges, and related entities:
    In order to provide you with insurance you request, we may share your
    information with insurance companies, Federally-facilitated Exchanges or
    State-based Exchanges, HSA Trustees or Administrators, and similar entities.
 3. Service providers and other third parties that help fulfill requests: We may
    share your Personal Information with third-parties and service providers
    that facilitate and support us in processing a request or transaction on
    your behalf; to provide you with quotes, products, and services; and to
    process payments. We may share your Personal Information with an insurance
    agent when you request to be contacted by an agent, or when you request
    information about or an application for insurance that is offered through an
    insurance agent with whom we associate. If you are contacted by a
    third-party, any additional information that you subsequently choose to
    provide to any third-party entity will be governed by that entity’s privacy
    policy.
 4. Third parties that provide business and professional services to us, such as
    web hosting service providers, IT providers, operating systems and
    platforms, internet service providers, analytics companies, and marketing
    providers (e.g., we may share your email address with our outbound email
    marketing providers), our attorneys, accountants, and auditors. We take
    reasonable efforts to provide these companies with only the information they
    need to perform services on our behalf and to limit their use and disclosure
    of Personal Information.
 5. Business partners: We may also provide your Personal Information or provide
    access to your Personal Information to our business partners, including for
    third party marketing.
 6. For legal, security and safety purposes: We may share your Personal
    Information with third parties such as law enforcement, regulators, or
    others to comply with federal, state, or local laws, a subpoena or other
    legal process, and other applicable legal requirements; to protect the
    confidentiality and security of our records; to protect against or prevent
    fraud; for claims administration; to enforce or apply our Terms of Use and
    other agreements; and to protect our rights and our property or safety of
    our users or third parties.
 7. In connection with a corporate transaction: We may transfer any information
    we have about you in connection with a change in corporate control,
    including but not limited to a merger or sale (including transfers made as
    part of insolvency or bankruptcy proceedings) involving all or part of
    eHealthInsurance Services, Inc. and its business, or as part of a corporate
    reorganization or stock sale.
 8. Organizations with which you have a relationship: We may disclose Personal
    information to an affinity group, employer, provider group, benefits
    administrator or consultant, healthcare system, pharmacy, financial services
    provider, or other entity with which you may have a relationship when such
    entity referred you to us or when you use our website or call center in
    connection with your relationship to such entity.
 9. To others with your consent.

We may also de-identity, anonymize, or aggregate Personal Information to share
with third parties for any purpose.

 6. How We Use Cookies and Automatic Data Collection Tools

We also collect information, via cookies, web beacons, pixels, tags, or other
tracking technologies, such as your Internet Service Provider and IP address,
the date and time you access our website, the pages you access while visiting
our website, and the Internet address from which you access our website. Some
cookies exist only during a single session and some are persistent over multiple
sessions over time. We use these technologies to remember user preferences,
maximize the performance of our website and services, provide you with offers
that may be of interest to you, measure the effectiveness of our email campaigns
and to personalize online content. These cookies and other technologies may be
used to track you across devices.

To provide you with more relevant and interesting experience, we may work with
third party companies to display ads or customize the content on the website and
on other websites. These companies may use cookies and similar tracking
technologies as described in this Statement to gather information about your
visits to the website, as well as your visits elsewhere on the Internet. These
companies use this information to provide you with more relevant advertising
known as interest-based advertising. You may choose whether to receive some
interest-based advertising by submitting opt-outs. Some of the companies that
perform advertising-related services for us may participate in the Digital
Advertising Alliance’s (“DAA”) Self-Regulatory Program for Online Behavioral
Advertising. For more information about the DAA’s program, including how you can
opt-out from receiving interest-based advertising from some or all of the DAA’s
members, visit http://www.aboutads.info/choices. Some of these companies may
also be members of the Network Advertising Initiative (“NAI”).  For more
information about the NAI including how you can opt-out from receiving
interest-based advertising from some or all of NAI’s members, please visit
http://www.networkadvertising.org/choices/. Opting out of interest-based
advertising will not opt you out of all advertising, but rather only
interest-based advertising from us or our agents or representatives. Also, if
your browsers are configured to reject cookies when you visit these opt-out
webpages, or you subsequently erase your cookies, use a different device or web
browser or use a non-browser-based method of access (e.g., mobile app), your NAI
/ DAA browser-based opt-out may not, or may no longer, be effective.

Some browsers have incorporated Do Not Track (“DNT”) preferences. Most of these
features, when turned on, send signals to the website you are visiting that you
do not wish to have information about your online searching and browsing
activities collected and used.  As there is not yet a common agreement about how
to interpret DNT signals, we do not honor DNT signals from website browsers at
this time.  However, you may refuse or delete cookies.  If you refuse or delete
cookies, some of our website functionality may be impaired.  If you change
computers, devices, or browsers, or use multiple computers, devices, or
browsers, and delete your cookies, you may need to repeat this process for each
computer, device, or browser. Please refer to your browser’s Help instructions
to learn more about how to manage cookies and the use of other tracking
technologies.

 7. Security and Retention

We maintain reasonable security procedures and technical and organizational
measures to protect your Personal Information against accidental or unlawful
destruction, loss, disclosure, access, alteration, or use. Nevertheless,
transmission via the Internet and online digital storage are not completely
secure and we do not guarantee the security of your information collected
through the Service.

 8. Children’s Privacy

Interactions with us are intended for individuals 16 years of age and older. 
Our interactions are not directed at, marketed to, nor intended for, children
under 16 years of age.  We do not knowingly collect any information, including
Personal Information, from children under 16 years of age.  If you believe that
we have inadvertently collected Personal Information from a child under the age
of 16, please contact us at the address below and we will use reasonable efforts
to delete the child’s information from our databases.  

 9. External Links

When interacting with us you may encounter links to external sites or other
online services, including those embedded in third party advertisements or
sponsored content which we do not control.  We are not responsible for the
privacy practices and data collection policies for such third party services. 
You should consult the privacy statements of those third party services for
details. 

 10. Your Rights

Upon request, eHealthInsurance will provide you with information about whether
we hold any of your personal information. If your personal information changes,
or if you otherwise want to correct, update, delete, or make other requests
regarding your data (such as limiting sharing with non-affiliates), you may call
us toll free at 800-977-8860 or by mail at

Customer Service, eHealthInsurance.com

11919 Foundation Place Suite 100

Gold River, CA 95670

 

Additionally, you may update your name, email address and password by clicking
on the “Sign in” or “My Account” link on this website and signing in using your
email address and password. We will respond to your request to access within a
reasonable timeframe.

We will make reasonable efforts to respond to your request, but cannot guarantee
that we will be able to honor your request.  For example, we generally will
retain your information for as long as your account is active, as needed to
provide you services, or for other business purposes. We will retain and use
your information as necessary to comply with our legal obligations, resolve
disputes, and enforce our agreements.

Please note that once your application has been submitted to your chosen health
insurance company or any other relevant party (such as the federal government in
the case of an application involving advanced premium tax credits) you may have
to contact the insurance company or such other party directly to update your
application and/or exercise your individual rights under HIPAA.

 11. Terms of Use

The Terms of Use for interactions with us is incorporated by reference into this
Statement and can be found here.

 12. Contact

If you have questions regarding this Statement or our privacy practices, please
contact us at:

eHealthInsurance Services, Inc.

ATTN: Privacy

11919 Foundation Place, Suite 100

Gold River, CA 95670

privacy@ehealthinsurance.com

TELEPHONE:          800-977-8860

To opt-out of receiving promotional email messages from us, please click on the
“Unsubscribe” link contained at the bottom of each email or by contacting us
using the information above. To opt-out of receiving satisfaction surveys and/or
information on additional products and services from us, you may contact us at
the information above. Please note that you will still receive communications
from us regarding your insurance quote, application, policy or advanced premium
tax credit even if you opt-out of receiving our surveys and/or notices of
additional products or services.

 13. Dispute Resolution

If you have an unresolved privacy or data use concern that we have not addressed
satisfactorily, please contact our U.S.-based third party dispute resolution
provider (free of charge) at https://feedback-form.truste.com/watchdog/request.

 14. California Consumer Privacy Act

In very limited cases, we may collect information about certain California
residents subject to the California Consumer Privacy Act (“CCPA”).  However,
this CCPA notice does not apply to the following information:

 * Any information provided in connection with seeking a financial product or
   service (including any data subject to the Gramm-Leach Bliley Act (“GLBA”) or
   the California Financial Information Privacy Act (“CalFIPA”)).
 * Information about individuals who are not California residents.
 * Information about our own employees, contractors, agents, and job
   applicants.  Such information is subject to a separate privacy notice that we
   will make available to the applicable individuals.
 * Information we collect from individuals with whom we engage in solely
   business-to-business communications and transactions, including due diligence
   transactions, such as information about the employees of our business
   clients.

We collect limited personal information subject to the CCPA from data brokers. 
We use and disclose such information for our marketing and related operational
purposes. We do not “sell” personal information as defined under the CCPA and we
do not knowingly sell the personal information of minors under 16 years of age
years of age.  The following chart contains more detail about the categories of
personal information we collect and disclose.

 

Categories of Personal Information We Collect

Categories of Third Parties With Whom We Disclose Personal Information for a
Business Purpose

Identifiers, such as real name, alias, postal address, unique personal
identifier, online identifier, IP address, email address, telephone number, or
other similar identifiers.

·       Affiliates and subsidiaries

·       Third party service providers

·       For legal, security, and safety purposes

·       In connection with a corporate transaction

·       Entities to which you have consented to the disclosure

Personal information subject to the California Customer Records Act.

·     Affiliates and subsidiaries

·     Third party service providers

·     For legal, security, and safety purposes

·     In connection with a corporate transaction

·     Entities to which you have consented to the disclosure

Characteristics of protected classifications under California or Federal Law,
such as age, gender, religion, marital status, or medical information such as
health status.

·       Affiliates and subsidiaries

·       Third party service providers

·       For legal, security, and safety purposes

·       In connection with a corporate transaction

·       Entities to which you have consented to the disclosure

Commercial information, including records of personal property, product or
services purchased, obtained or considered, or other purchasing or consuming
histories or tendencies.

·       Affiliates and subsidiaries

·       Third party service providers

·       For legal, security, and safety purposes

·       In connection with a corporate transaction

·       Entities to which you have consented to the disclosure

Geolocation data, limited to your address.

·       Affiliates and subsidiaries

·       Third party service providers

·       For legal, security, and safety purposes

·       In connection with a corporate transaction

·       Entities to which you have consented to the disclosure

Professional, employment, or education information, such as job title, employer,
business address and contact information, employment history, other professional
information, or education history.

·       Affiliates and subsidiaries

·       Third party service providers

·       For legal, security, and safety purposes

·       In connection with a corporate transaction

·       Entities to which you have consented to the disclosure

Inferences drawn from any of the information identified above to create a
profile about a consumer reflecting the consumer’s preferences and
characteristics.

·       Affiliates and subsidiaries

·       Third party service providers

·       For legal, security, and safety purposes

·       In connection with a corporate transaction

·       Entities to which you have consented to the disclosure

Your Rights

Subject to legal limitations and exceptions, California residents may exercise
the following rights by calling us toll free at 800-977-8860 or by using our
webform:

 

 * Right to Know. You have the right to request information about the categories
   of personal information we have collected about you, the categories of
   sources from which we collected the personal information, the purposes for
   collecting the personal information, and the categories of third parties with
   whom we have shared your personal information (“Categories Report”).  You may
   also request information about the specific pieces of personal information we
   have collected about you (“Specific Pieces Report”). 
 * Right to Delete. You have the right to request that we delete personal
   information that we have collected from you.
 * Do Not Sell: We do not “sell” personal information as defined under the CCPA.

Non-Discrimination: In accordance with applicable law, we will not discriminate
against you for exercising these rights.

Verification: In order to exercise your rights, we may need to obtain
information to locate you in our records, verify that you are a California
resident, and/or verify your identity depending on the nature of the request. 
If you are submitting a request on behalf of a household, we may need to verify
each member of the household in the manner set forth in this section.

Please be aware there might be circumstances where we will not honor you
request, as permitted under the CCPA. For example, if we are not able to verify
your identity and that you are a California resident, we may not honor your
access or deletion request. Additionally, we may not delete your personal
information if an exception under the CCPA applies to your deletion request.
When making a request, you will be asked to provide your zip code, first and
last name, date of birth, phone number (optional) and indicate how you would
like to be contacted, which may require you provide contact information. You
will also be required to attest that you are entitled to make the request.

We may request alternative information under certain circumstances and will
inform you if such information is needed in the verification process.

Authorized Agents: Authorized agents may exercise rights on behalf of consumers,
but we reserve the right to also verify the consumer directly as described
above. Authorized agents must contact us by mail at the address provided above
and include documentation demonstrating the agent has authority to exercise
rights on the consumer’s behalf.  At a minimum, we will require evidence of the
agent’s identity, proof of registration with the California Secretary of State,
and at least one of the following evidencing proof of your legal authority to
act on the behalf of the individual consumer:

 * Written authorization signed by the Consumer; or
 * Certified copy of a Power of Attorney granted under Probate Code.

In the absence of any of the general conditions detailed above, we are entitled
to reject any request submitted through an agent.

Timing: We will respond to Requests to Delete and Requests to Know within 45
calendar days, unless we need more time (in which case we will notify you), and
may take up to 90 calendar days in total to respond to your request. 

California Shine the Light: We do not share personal information subject to
California Civil Code § 1798.83 (the “Shine the Light law”) with third parties
for their direct marketing purpose.



eHealth and Advocate Aurora Health are independent entities and not affiliated
in any way


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