| General Information
MultiflexDental.com has created
this privacy statement in order to demonstrate our firm commitment to
your privacy. The following discloses the information gathering and
dissemination practices for this Web site and it's affiliate
companies.
The MultiflexDental.com website is a
marketing website owned and serviced by DEL AMO Insurance Services,
Inc., DBA: InsComp Insurance Services with respect to its' content.
MultiflexDental.com collects information which is distributed to it's
affiliated agents, brokers, agencies, brokerages, and/or companies
based upon the state you have entered.
All of it's affiliated agents, brokers, agencies, brokerages, and/or
companies are licensed in their respective state for the product they
quote and act as independent contractors and non binding to our
company. MultiflexDental.com, DEL AMO Insurance Services, Inc., DBA:
InsComp Insurance Services does not provide the quote and/or issue a
policy unless otherwise specifically stated.
This website does not attempt to describe the product coverage and
its' contents but is merely used as a sales tool for the purpose of
product illustration. The website and its' owners cannot make
recommendations as to whether any illustrated product may meet the
users' particular needs. Therefore, the suitability of the product is
the final determination of the user of this website.
Privacy Disclosure
As you are probably aware, the
insurance industry is now subject to a federal privacy law called the
"Gramm-Leach-Bliley Act" ("GLB"). GLB Protects the security and
confidentiality of a consumer's personal information. Fortunately,
since our companies have always been respectful of the privacy needs
of our customers, we have not had to make significant changes to our
usual business practices to become compliant with this new law.
We have, however, had to prepare privacy notices to advise our
customers of our privacy practices for which the affiliated agent must
comply to receive your internet referral lead. We also have had to
conduct an extensive review of all of our contracts under which we may
disclose the nonpublic information of our applicants and insureds to
third parties.
This review was necessary because, under GLB, our contracts must
prohibit such third parties from disclosing or using the nonpublic
personal information that we provide to them from using it for
purposes other than to carry our the purposes for which we disclosed
it to them.
Since we provide all of our disclosures under exceptions to what are
activities to what are termed "opt out requirements", our contracts
must reflect this. (The exceptions under GLB, by the way, include such
activities as servicing and processing an insurance application,
administering a claims benefit, underwriting an insurance risk and
billing an account). If we do not have language in our contracts to
provide for this type of prohibition, under GLB, we would be required
to include procedures in our privacy plan or statement whereby an
applicant or insured could opt out of certain types of disclosures,
including disclosures we may make to the agent.
Accordingly, we amended all of our existing and future contracts with
our agents, sub-agents, agent affiliates, brokers, sub-brokers, broker
affiliates and, in fact, even our vendors, with whom we share personal
nonpublic information.
Towards that end, as set forth below, we require all agents to sign
the following agreement with our companies.
Nonpublic Personal Information
If the Company discloses to the Agent
(which is defined to include any and all codes of Agent, and thus also
thereby Agent's subagents) nonpublic personal information, ("NPI"), as
defined in the Gramm-Leach-Bliley Act ("GLB") or as defined by an
applicable state privacy statue, rule or regulation, (collectively
referred to as the "State Privacy Laws"), Company will only do so
pursuant to an exception set forth in both GLB and whatever, if any,
State Privacy Laws may be applicable.
Notwithstanding any other language in the Agreement, Agents will
maintain physical, electronic, and procedural safeguards that comply
with state and federal regulations to guard all NPI. Agent's handling
of nay NPI, and the purpose for which the information may be used by
Agent, shall be in compliance with all applicable laws, regulations
and rulings, including, but not limited to GLB and Federal Fair Credit
Reporting Act.
The parties also agreed that a violation of the covenants described in
this paragraph may cause irreparable and substantial damage and that
no adequate remedy may be available at law or in equity. As a result,
such violation may be enjoined through injunctive proceedings in
addition to any other rights and remedies available at law or in
equity.
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HIPAA Privacy Information |
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| HIPAA NOTICE
OF PRIVACY PRACTICES REGARDING YOUR DENTAL INSURANCE, HEATH
INSURANCE AND LIFE INSURANCE |
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| THIS NOTICE
DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND
DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION |
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| PLEASE REVIEW
IT CAREFULLY. |
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| Our
Responsibilities |
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| We are required by
applicable federal and state law to maintain the privacy of your
protected health information. "Protected health information"
(PHI) is information about you, including demographic
information, that may identify you and that relates to your
past, present or future physical or mental health or condition
and related health care services. We are also required to give
you this notice about our privacy practices, our legal duties,
and your rights concerning your PHI. We must follow the privacy
practices that are described in this notice while it is in
effect. This notice takes effect April 14, 2003, and will remain
in effect until we replace it.
We reserve the right to change
our privacy practices and the terms of this notice at any time,
provided such changes are permitted by applicable law. We
reserve the right to make the changes in our privacy practices
and the new terms of our notice effective for all PHI that we
maintain, including PHI we created or received before we made
the changes. Before we make a significant change in our privacy
practices, we will change this notice and make the new notice
available upon request. |
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| Uses and
Disclosures of Protected Health Information |
| We use and disclose
PHI about you for treatment, payment, and health care
operations. Following are examples of the types of uses and
disclosures that we are permitted to make. |
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Treatment
We may use or disclose your PHI to a
health care provider providing treatment to you. We may use or
disclose your PHI to a health care provider so that we can make
prior authorization decisions under your benefit plan. |
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Payment
We may use and disclose your PHI to
make benefit payments for the health care services provided to
you. We may disclose your PHI to another health plan, to a
health care provider, or other entity subject to the federal
Privacy Rules for their payment purposes. Payment activities may
include processing claims, determining eligibility or coverage
for claims, issuing premium billings, reviewing services for
medical or health necessity, and performing utilization review
of claims. |
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Health
Care Operations
We may use and disclose your PHI in
connection with our health care operations. Health care
operations include the business functions conducted by a health
insurer. These activities may include providing customer
services, responding to complaints and appeals from members,
providing case management and care coordination under the
benefit plans, conducting medical review of claims and other
quality assessment and improvement activities, establishing
premium rates and underwriting rules. In certain instances, we
may also provide PHI to the employer who is the plan sponsor of
a group health plan. We may also in our health care operations
disclose PHI to business associates1 with whom we
have written agreements containing terms to protect the privacy
of your PHI.
We may disclose your PHI to another entity that is subject to
the federal Privacy Rules and that has a relationship with you
for its health care operations relating to quality assessment
and improvement activities, reviewing the competence or
qualifications of health care professionals, case management and
care coordination, or detecting or preventing health care fraud
and abuse. |
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On Your
Authorization
You may give us written authorization
to use your PHI or to disclose it to another person and for the
purpose you designate. If you give us an authorization, you may
withdraw it in writing at any time. Your withdrawal will not
affect any use or disclosures permitted by your authorization
while it was in effect. Unless you give us a written
authorization, we cannot use or disclose your PHI for any reason
except those described in this notice.
We will make disclosures of any psychotherapy notes we may have
only if you provide us with a specific written authorization or
when disclosure is required by law. |
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Personal
Representatives
We will disclose your PHI to your
personal representative when the personal representative has
been properly designated by you and the existence of your
personal representative is documented to us in writing through a
written authorization. |
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Disaster
Relief
We may use or disclose your PHI to a
public or private entity authorized by law or by its charter to
assist in disaster relief efforts. |
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Health
Related Services
We may use your PHI to contact you
with information about health-related benefits and services or
about treatment alternatives that may be of interest to you. We
may disclose your PHI to a business associate to assist us in
these activities.
We may use or disclose your PHI to encourage you to purchase or
use a product or service by face-to-face communication or to
provide you with promotional gifts. |
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Public
Benefit
We may use or disclose your PHI as
authorized by law for the following purposes deemed to be in the
public interest or benefit: |
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as required by law;
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for public health
activities, including disease and vital statistic reporting,
child abuse reporting, certain Food and Drug Administration
(FDA) oversight purposes with respect to an FDA-regulated
product or activity, and to employers regarding work-related
illness or injury required under the Occupational Safety and
Health Act (OSHA) or other similar laws;
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to report adult abuse,
neglect, or domestic violence;
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to health oversight
agencies;
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in response to court and
administrative orders and other lawful processes;
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to law enforcement officials
pursuant to subpoenas and other lawful processes, concerning
crime victims, suspicious deaths, crimes on our premises,
reporting crimes in emergencies, and for purposes of
identifying or locating a suspect or other person;
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to avert a serious threat to
health or safety;
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to the military and to
federal officials for lawful intelligence,
counterintelligence, and national security activities;
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to correctional institutions
regarding inmates; and
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as authorized by and to the
extent necessary to comply with state worker's compensation
laws.
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| We will make
disclosures for the following public interest purposes, only if
you provide us with a written authorization or when disclosure
is required by law: |
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to coroners, medical
examiners, and funeral directors;
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to an organ procurement
organization; and
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in connection with certain
research activities.
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Use and
Disclosure of Certain Types of Health Information
For certain types of PHI we may be
required to protect your privacy in ways more strict than we
have discussed in this notice. For instance, if a state law is
more restrictive than HIPAA, we will follow that state law.
Generally, the following state laws are ones which we abide by
for our use or disclosure of certain types of your PHI:
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HIV Test
Information. We may not disclose
the result of any HIV test or that you have been the subject
of an HIV test unless required by law or the disclosure is
to you or other persons under limited circumstances or you
have given us written permission to disclose.
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Genetic
Information. We may not disclose
your genetic information unless the disclosure is made as
required by law or you provide us with written permission to
disclose such information.
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Mental Health
Information Records. We may not
disclose your mental health information records except to
you and anyone else authorized by law to inspect and copy
your mental health information records or you provide us
with written permission to disclose.
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Alcoholism or Drug
Abuse Information. We may not
disclose any alcoholism or drug abuse information related to
your treatment in an alcohol or drug abuse program unless
the disclosure is allowed or required by law or you provide
us with written permission to disclose.
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| Individual
Rights |
| You may contact us
using the information at the
end of this notice to obtain
the forms described here, explanations on how to submit a
request, or other additional information. |
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Access
You have the right, with limited
exceptions, to look at or get copies of your PHI contained in a
designated record set. A "designated record set" contains
records we maintain such as enrollment, claims processing, and
case management records. You may request that we provide copies
in a format other than photocopies. We will use the format you
request unless we cannot practicably do so. You must make a
request in writing to obtain access to your PHI and may obtain a
request form from us. If we deny your request, we will provide
you a written explanation and will tell you if the reasons for
the denial can be reviewed and how to ask for such a review or
if the denial cannot be reviewed. |
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Disclosure
Accounting
You have the right to receive a list
of instances since April 14, 2003 in which we or our business
associates disclosed your PHI for purposes, other than
treatment, payment, health care operations, or as authorized by
you, and for certain other activities. If you request this
accounting more than once in a 12-month period, we may charge
you a reasonable, cost-based fee for responding to these
additional requests. We will provide you with more information
on our fee structure at your request. |
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Restriction
You have the right to request that we
place additional restrictions on our use or disclosure of your
PHI. We are not required to agree to these additional
restrictions, but if we do, we will abide by our agreement
(except in an emergency). Any agreement we may make to a request
for additional restrictions must be in writing signed by a
person authorized to make such an agreement on our behalf. We
will not be bound unless our agreement is in writing. |
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Confidential Communication
You have the right to request that we
communicate with you about your PHI by alternative means or to
alternative locations. You must make your request in writing.
This right only applies if the information could endanger you if
it is not communicated by the alternative means or to the
alternative location you want. You do not have to explain the
basis for your request, but you must state that the information
could endanger you if the communication means or location is not
changed. We must accommodate your request if it is reasonable,
specifies the alternative means or location, and provides
satisfactory explanation how payments will be handled under the
alternative means or location you request. |
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Amendment
You have the right, with limited
exceptions, to request that we amend your PHI. Your request must
be in writing, and it must explain why the information should be
amended. We may deny your request if we did not create the
information you want amended and the originator remains
available or for certain other reasons. If we deny your request,
we will provide you a written explanation. You may respond with
a statement of disagreement to be attached to the information
you wanted amended. If we accept your request to amend the
information, we will make reasonable efforts to inform others,
including people you name, of the amendment and to include the
changes in any future disclosures of that information. |
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Right to
Receive a Copy of the Notice
You may request a copy of our notice
at any time by contacting the
Privacy Office. If you receive
this notice by electronic mail (e-mail), you are also entitled
to request a paper copy of the notice. |
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Questions
and Complaints
If you want more information about our
privacy practices or have questions or concerns, please contact
us using the information listed at the
end of this
notice. |
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| If you are
concerned that we may have violated your privacy rights, you may
complain to us using the contact information listed at the
end of this
notice. You also may submit a written complaint to
the U.S. Department of Health and Human Services; see
information at its website:
www.hhs.gov. If you request, we will provide you with
the address to file your complaint with the U.S. Department of
Health and Human Services. |
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| We support your
right to the privacy of your PHI. We will not retaliate in any
way if you choose to file a complaint with us or with the U.S.
Department of Health and Human Services. |
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Information
Automatically Logged
We use your IP address to help
diagnose problems with our server and to administer our Web site.
Your IP address is also used to help identify you and your shopping
cart.
Cookies
Our Site uses cookies to keep track
of your shopping cart, and to make sure you don't see the same ad
repeatedly. We also use cookies to deliver content specific to your
interests, and to save your password so you don't have to re-enter
it each time you visit our site.
Order Forms
Our site uses an order form for
customers to request information, products, and services. We collect
contact information (like their email address), financial
information (like their account or credit card numbers), unique
identifiers (like their social security number), and demographic
information (like their zip code, age, or income level).
Contact information from the order
forms is used to ship purchases, information about our company. The
customer's contact information is also used to get in touch with the
visitor when necessary.
Financial information that is
collected is used to check the users' qualifications for
registration, and to bill the user for products and services.
Unique identifiers (such as social
security numbers) are collected from Web site visitors to verify the
user's identity, and for use as account numbers in our record
system.
Demographic and profile data is also
collected at our site.
We use this data to tailor our visitor's experience at our site
showing them content that we think they might be interested in, and
displaying the content according to their preferences.
Security
This site has security measures in
place to protect the loss, misuse, and alteration of the information
under our control.
Children's
Guidelines
We care about children and understand
that they have special privacy needs. Therefore, we have adopted the
following privacy policy regarding children:
- We will NOT collect, use, or
distribute to third parties personally identifiable information
without prior verifiable parental consent.
- We will NOT give the child access
to unmonitored chat rooms, message boards, email accounts, or
other services that would give the child the ability to publicly
post or otherwise distribute personally identifiable information
without prior verifiable parental consent
- When verifiable parental consent
is not obtained, we will only use the online contact information
(such as email) to:
- Respond directly to the child's
request on a one-time basis and not use that information to
re-contact the child for other purposes.
- Request the name or online
contact information of a parent for the purpose of obtaining
verifiable parental consent or providing parental notification.
- Respond more than once directly
to a specific request from a child (such as in the case where a
child requests a newsletter subscription) and not used to
re-contact the child for other purposes. We will use our best
efforts to provide parental notification, which will include the
nature and intended use as well as an opportunity for the parent
to prevent the use of the information and participation in the
activity.
- We will NOT entice the child to
divulge more information than is needed to participate in any
activity, game, or service.
- We will provide the parent a
description of the specific types of a personally identifiable
information collected from their child upon request. We will allow
the parent to refuse further use or future online collection of
personally identifiable information and provide a way for a parent
to obtain any personally identifiable information collected from
their child.
- We will provide notice to children
in age appropriate terms of what personally identifiable
information is to be collected.
- We will NOT provide any links to
Web sites that are unsuitable for children.
- We will encourage children to get
their parent's permission before sharing personal information
online.
Data Quality/Access
This site gives users the following
options for changing and modifying information previously provided:
- You can send email to
sales@MultiflexDental.com
Contacting the Web Site
If you have any questions about this
privacy statement, the practices of this site, or your dealings with
this Web site, you can contact:
Monday-Friday 10am-4pm
Pacific Standard Time
Corporate Office
DEL AMO Insurance Services, Inc.
910 Lomita Blvd
P.O. Box 910
Harbor City, CA 90710-0910
Office: 310.534.3444
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