Introduction:
Four Peaks Marketing respects your right to privacy. You can visit this website without sharing information about yourself or revealing any information about who you are. Our firm will not collect or retain any information about you personally, such as your address, Social Security number, telephone or medical information, unless you choose to provide it to us. The privacy and security of your personal information is important to us.
Questions or requests regarding this statement should be directed to our office. You may contact us at 480-269-3440 or via our mailing address at:
P.O. Box 980, Tempe, Arizona 85280
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This statement describes our practices in connection with Personally Identifiable Information (“PII”) that we may collect from you. The Centers for Medicare & Medicaid Services (“CMS”), requires that prior to collecting PII, we must provide a Privacy Notice Statement that is prominently and conspicuously displayed on a public-facing website. PII is information that can be used to distinguish or trace an individual’s identity, alone or when combined with other personal or identifying information that is linked or linkable to a specific individual. Examples of PII include, but are not limited to: name, date of birth, place of birth, Social Security number, mother’s maiden name, physical address, protected health information, such as your past or present physical or mental health condition and income information.
We will abide by the terms of our Privacy Notice Statement currently in effect. It may be necessary to change the terms of this notice in the future. We reserve the right to make changes and to make the new notice effective for all PII we maintain about you, including PII we created or maintained in the past.
This notice in effect November 1, 2017.
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Legal Authority to Collect PII:
Section 1312(e) of the Affordable Care Act (“ACA”) provides that the Secretary of the U.S. Department of Health and Human Services shall establish procedures under which Agents or Brokers may participate in an Exchange. 45 CFR 155.220 provides that Agents and Brokers may enroll individuals in a Qualified Health Plan (“QHP”) as soon as the QHP is offered through an Exchange in the State; and may also assist individuals in applying for enrollment in a QHP through the Exchange, Advance Payments of the Premium Tax Credits (“APTCs”) and/or Cost-Sharing Reductions (“CSRs”), to the extent that Agents and
Brokers are permitted to do so by the State in which they operate.
45 CFR 155.220(d) requires all Agents or Brokers enrolling Qualified Individuals in QHPs in a manner that constitutes enrollment through the Exchange, or assisting Qualified Individuals in applying for QHPs, APTCs and CSRs, to comply with the terms of an agreement between the Agent or Broker and the Exchange.
Pursuant to section 155.220(d) and subject to State law, this Agreement establishes the standards and requirements for Agents and Brokers to:
(a) assist Consumers, Applicants, Qualified Individuals, and Enrollees in applying for eligibility for QHPs, APTCs, and/or CSRs; and
(b) enroll Qualified Individuals in a QHP through the individual market FFE in a manner that constitutes enrollment through an Exchange.
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Purpose of the Information Collection:
With your consent Four Peaks Marketing may gather PII on you and or your family in order to determine eligibility and suitability of insurance products and to quote insurance products to you.
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To whom PII Might be Disclosed and for What Purposes:
PII might be disclosed to the United States Federal Government through healthcare.gov, and discussions with staff within the Department of Health and Human Services; the Arizona Department of Insurance; insurance companies through insurance company web site quote engines, and discussions with insurance broker support personnel; insurance marketing organization through insurance marketing organization web site quote engines, and discussions with insurance marketing organization broker support personnel. The purpose of disclosure is to quote insurance products, determine suitability of insurance products and determine eligibility for insurance products for you and or your family.
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Authorized Uses and Disclosure of any Collected Information:
Individual Health Insurance
- Assisting with applications for (QHP) eligibility
- Supporting QHP selection and enrollment by assisting with plan selection and plan comparisons
- Assisting with applications for the receipt of advance payment of the premium tax credit (APTC) or cost-sharing reduction (CSR), and selecting an APTC amount
- Facilitating the collection of standardized attestations acknowledging the receipt of the APTC or CSR determination, if applicable
- Assisting with the application for and determination of certificates of exemption
- Assisting with filing appeals of eligibility determinations in connection with the Federally facilitated Marketplaces
- Transmitting information about the consumer’s decisions regarding QHP enrollment and/or CSR and APTC information to the Federally-facilitated Marketplaces
- Facilitating payment of the initial premium amount to the appropriate QHP
- Facilitating an enrollee’s ability to disenroll from a QHP
- Educating consumers, applicants, or enrollees on insurance affordability programs, and if applicable, informing such individuals of eligibility for Medicaid or the Children’s Health Insurance Program (CHIP)
- Assisting an enrollee’s ability to report changes in eligibility status to the Federally-facilitated Marketplaces throughout the plan year, including changes that may impact eligibility (e.g., adding a dependent)
- Correcting errors in the application for QHP enrollment
- Informing or reminding enrollees when QHP coverage should be renewed, when enrollees may no longer be eligible to maintain their current QHP coverage because of age, or to inform enrollees of coverage QHP options at renewal
- Providing appropriate information, materials, and programs to inform and educate consumers about the use and management of their health information and services and options offered through the selected QHP and among the available QHP options
- Contacting consumers to assess their satisfaction or resolve complaints with services provided by the agent or broker in connection with the Federally-facilitated Marketplaces or QHPs
- Providing assistance in communicating with QHP Issuers
- Carrying out the agent’s or broker’s legal responsibilities related to QHP issuer functions in the Federally-facilitated Marketplaces, as permitted or required by the agent’s or broker’s contractual relationships with QHP issuers
- Other functions substantially similar to those enumerated above and such other functions that may be approved in writing by CMS
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PII – Is Your Disclosure Voluntary or Mandatory Under the Applicable Law:
Disclosure of your PII is voluntary. You are under no obligation to provide this information.
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PII – The Effects of Nondisclosure:
While you are under no obligation to disclose you PII, nondisclosure of PII to us will hinder our ability to determine the suitability of insurance products and your eligibility for insurance products, and to quote insurance products.
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Your Rights:
You have a right to know what PII we have collected, maintained, and stored about you and or your family. We have thirty (30) days from your written notification to provide you with the PII you requested.
You have the right to an opportunity to request amendment, correction, substitution, or deletion of PII maintained and or stored by us if you believe that the PII is not accurate, timely, complete, relevant, or necessary to accomplish a function listed above, except where the information in question originated from other sources, in which case you should contact the originating source. Such requests must be granted or denied within no more than ten (10) working days of receipt, and if applicable, the PII should be corrected, amended, substituted, or deleted in accordance with applicable law.
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Summation:
If you have any questions about this Privacy Notice Statement, please contact us.