Hipaa Guidelines and Hipaa Privacy Requirements

For inquiries related to Medicare, Disability, Life, or Accident Insurance, the following provisions apply:

1. Authorization for Use/Disclosure of PHI
   
   • By submitting information for health-related insurance products, you authorize MI Coverage Pro and its affiliates to collect, use, and disclose Protected Health Information (PHI) as defined by the Health Insurance Portability and Accountability Act (HIPAA), 45 C.F.R. § 160.103, for the sole purpose of:
     
     • Providing insurance quotes
     • Determining eligibility for coverage
     • Facilitating policy issuance
     • Complying with legal obligations

1. Limited PHI Sharing
   
   • PHI may be shared only with:
     
     • Licensed insurance carriers
     • Third-party administrators (TPAs)
     • Government agencies (e.g., CMS for Medicare)
   • No PHI will be sold for marketing purposes unrelated to insurance services.

1. Consumer Rights Under HIPAA
   
   • You may:
     
     • Request access to your PHI
     • Amend incorrect PHI
     • Revoke this authorization in writing (except where disclosures have already occurred)
   • Revocation requests must be sent to: [HIPAA Compliance Officer Contact].

1. Types of Data Collected Automatically
   We use the following tracking technologies:
   
   • Essential Cookies: Required for site functionality (e.g., session cookies for quote forms).
   • Analytics Cookies: Google Analytics, Meta Pixel, etc., to track:
     
     • IP addresses
     • Page views/time spent
     • Clickstream data
   • Advertising Cookies: Retargeting tools (e.g., Google Ads) to serve personalized ads.

1. Third-Party Data Sharing
   
   • Cookie data may be shared with:
     
     • Advertising networks (e.g., Google, Facebook)
     • Analytics providers
     • Lead verification services

1. User Controls
   
   • Opt-Out Options:
     
     • Browser settings (disable cookies via Chrome/Firefox/Safari)
     • GDPR/CCPA opt-out tools (e.g., [Your Privacy Portal Link])
     • Do Not Track (DNT) signals are acknowledged but not fully honored due to industry standards.

• PHI Elements:
  
  • Medical history (for underwriting)
  • Prescription drug use (if applicable)
  • Medicare/SSDI enrollment status

• California Residents:
  
  • CCPA Health Data Exemption: PHI collected for insurance purposes is exempt from CCPA requests but protected under HIPAA.
• Nevada Residents:
  
  • Email [NevadaPrivacy@email.com] to opt out of PHI sales (NRS 603A).

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