HIPAA & Medicare Disclosure

 HIPAA COMPLIANCE NOTICE FOR PROTECTED HEALTH INFORMATION (PHI)

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].

• CMS Marketing Rules: MI Coverage Pro complies with 42 CFR §422.2260 et seq. We do not:
  
  • Cold-call beneficiaries without written consent
  • Misrepresent Medicare plan details
  • Discriminate based on health status

• Medicare Advantage/Part D: Not all plans available in all areas. Carrier-specific restrictions apply.
• Enrollment Periods: Quotes provided do not guarantee eligibility during Annual Enrollment (AEP) or Special Enrollment (SEP) periods.

• "We do not represent Medicare.gov. Our services are provided through private insurers."
• "For official Medicare information, visit www.medicare.gov or call 1-800-MEDICARE."