Every Choice Health Insurance (ecHealthInsurance.com) is dedicated to serving customers as a trusted source of health insurance on and off the web. Our company is committed to your privacy, and protects every bit of information you give us as though it were our own health quote or application. Therefore, we disclose the following privacy statement to explain your protections as a user of this website.
As insurance agents and fellow web users, we’re aware of the importance of keeping personal information private and safe, especially with the introduction of the health insurance marketplace, which requires collecting additional information during the application process to determine subsidy eligibility. We understand you may be wary of providing information online or over the phone, and we assure you that our use of your information is entirely confidential and for the sole purpose of getting you insured, or providing you with information on insurance products that may be of interest to you.
We will never trade, sell, or unlawfully share your information with anyone, under any circumstance. To reinforce your security and privacy while using this site, we use leading technology that helps protect any information you may provide. Our quote software is provided by Quotit, an advanced, secure platform designed for the insurance industry.
Below we’ve outlined details about the information collected by this website, including:
- Personally identifiable information our site gathers from you, how we use it, and who else may see it.
- Your options regarding the use of your information.
- Security measures we take to ensure your information is not misused.
- How you can correct any information that may be incorrect.
When we mention personal information, this can refer to contact details including phone numbers, email addresses and physical addresses, as well as Social Security numbers and credit card information. It may also refer to any data you provide regarding your medical history and proof of income (for determining subsidy eligibility, pertaining to exchange plans only).
Please note that we do not misuse personal information by selling, trading, or giving it away to any unauthorized party.
Information Collected By Every Choice Health Insurance
We may collect information about you in several ways depending how you use the site, and only in ways typical of the insurance application process.
I. Custom Quotes
If you create a custom insurance quote on our site, we collect the information you provide. This may include street and email addresses, phone number(s), your age and the age(s) of any dependent(s), gender, date of birth, and health status. We collect this information so that local premium rates can be estimated, or a licensed agent can get in touch with you by phone or email, or the information can be used later in processing your application. We use your email address, for instance, to provide you with updates on your application status and to acquire further information needed for the application.
II. Applications for Health Insurance and Additional Products
If you select a health insurance policy or another product on our website and want to complete your purchase, additional information may be requested for you and any family member you include on your application. This may include a street address, coverage history, proof of identity such as Social Security numbers, and bank information such as a credit card number. This information will be used to process your application by the insurer you choose, an agent, or HSA trustee or administrator. The carrier, agent or HSA trustee or administrator processing your application will use your bank information to obtain any application fees or premiums once your application is approved.
III. Internal Data Reporting and Smarter Browsing
We also collect anonymous information about our visitors for analytic purposes and to improve the quality of our site. This information is not shared with anyone other than East Coast Health Insurance. This may include cookies, clear gifs, and Internet Protocol (IP) addresses, which does not provide us with your name or any other personal information. Cookies are tiny files stored by your web browser to identify you while visiting certain sites. Clear gifs are 1×1 pixel images used in tandem with cookies to help us better understand how visitors use our site by identifying and tracking the pages they visit, and other ways they interact.
On our site, these may help you get a quote started by filling in your zip code, or storing information you’ve already entered in the quote form. You can always clear cookies if you don’t want this information to appear again, or change the settings on your browser so we can’t anonymously track you.
We do not share your information with anyone, but there are a few exceptions in which we may need to use it. These include the following instances.
I. Authorized Service Providers
We only share the personal information you provide with authorized parties, such as insurance providers, licensed agents (in-house), and banks and institutions administering HSAs. If you purchase an Aetna policy, we must transmit your information to Aetna in order to get you insured, for example. We may also contact your bank to ensure a credit card is valid or has a sufficient credit limit. Please be aware that the agents or companies who will process applications, communicate with clients, or service your application cannot use your information for alternate purposes and must adhere to strict confidentiality requirements under their contracts.
II. Legal Matters
There may also be instances in which we disclose or report personal information when doing so is required by law. Though rare, this may occur for compliance with insurance regulators or law enforcement officials, or resolving issues with policyholders.
Controlling Your Information
- Find out what information we have about you, if any.
- Revise any data we have on file for you.
- Request we delete any data we have about you.
- Voice your concerns about how we use your information.
We’re prepared to protect your information while you use our website. ecHealthInsurance.com’s quotes and applications are powered by Quotit, which is armed with McAfee SECURE. This technology scans for site vulnerability every day, protects your data, and makes sure your information is used only for a safe health insurance shopping experience. Click the McAfee SECURE button on the application screen to validate the security certificate.
When you give us sensitive information through the Quotit form, you can be sure your data is safe on and off the web, and that such data is encrypted and sent to us securely. This can be verified by locating the closed lock icon at the bottom of your browser, or viewing “https” in the front of the URL when giving us this information.
We use leading technologies to protect your information online, and also protect your data offline by permitting access only to agents, employees, or authorized third parties (as mentioned above) who need your data to perform certain tasks. The computers and servers in which we store your data is kept in a safe environment.