Disclaimer Notices

Peoples Health Insurance, LLC, Provides Free Information on health insurance and other health coverage options. Some products and services may not be available in all states, and no assurances of the same are made herein.

Important Information when you are applying for Health Insurance

If you are currently covered by Health Insurance, DO NOT CANCEL YOUR POLICY. Also, DO NOT DECLINE COBRA BENEFITS until you have received an approval letter and/or the insurance policy (sometimes referred to as the insurance contract or the insurance certificate) from the insurance company you have selected with our agency.

It is IMPORTANT that you UNDERSTAND and AGREE with the terms, limitations, riders, and exclusions of your insurance policy. Give SPECIAL ATTENTION to the policy’s effective date, premium amount, waiting period, and other important provisions.

Underwriting Disclaimers

Quotes, prices and/or rates displayed on our Web site are only estimates. Premium figures and coverage are subject to change based on many factors that include, but are not limited to, your medical history, the insurance company’s underwriting practices, optional benefits you select, and other relevant factors. The insurance company determines your actual policy premium amount and reserves the right to change the terms of a policy upon proper notification. Additionally, there is NO expressed or implied guarantee that you will be offered health insurance coverage. Check with the insurance company about any HIPPA provisions that may affect your access to coverage.

Quotes, prices and/or rates displayed are ONLY for the requested effective date. A different effective date for the policy may affect the actual premium of your policy. Any change in price may be due to many factors such as premium increase, policy changes from the insurance company, or one of more family members having a birthday (rates are very age sensitive). The insurance company you have chosen may not guarantee their rates for any period of time.

When you are issued a policy, this does not guarantee benefits. Availability of benefits is subject to eligibility and other terms, limitations, and exclusions of the policy. This includes, but is not limited to, the pre-existing waiting period. Deductibles, co-payments, and co-insurance amounts are your share of the costs for covered benefits and are subject to change. Each insurance company may have unique notices, disclaimers, and fees related to the policies they issue.

Some insurance companies may require dependent children to apply separately when they reach the age of majority or at another given age. These limits for dependents can vary by insurance company and by a state’s mandates wherein the insured resides. Some companies may not extend the age limit for dependents even in the event they are full-time students at an accredited college, university, or other institution of higher education.

Privacy Policy

Peoples Health Insurance, LLC is committed to protecting your privacy. We may provide your personal information or e-mail address to outside third parties to help facilitate your request for health insurance quotes or in an effort to apply for a health insurance policy. Disclosure of confidential information may also occur in the event that it is required to help law enforcement or to comply with a court order demand.

To better protect your privacy we have adopted the following Internet privacy policy. This privacy policy tells you, among other things, what information we gather from you, how we may use or disclose the information, and our efforts to protect this information. Please read this policy carefully and feel free to contact us if you have any inquiries, complaints, or questions regarding its contents.

Information We May Collect

This notice applies to all information collected or submitted on the www.peopleshealthinsurance.com Web site and information we may obtain from you in writing or over the phone.

We may collect your personal information from quote request forms, applications, or over the phone. Sample types of personal information collected are:

  • Name
  • Date of Birth
  • Address
  • Personal Habits or Hobbies
  • Email Address
  • Phone Numbers
  • Social Security Number
  • Banking Relationships
  • Family members names and dates of birth
  • Current health status and medical history

The Way We Use Information

As permitted by law, we may disclose personal information (listed above) to health insurance companies, affiliates, or licensed agents for the purposes of providing the health insurance products or services you have requested. We do not share this information with outside parties except to the extent necessary to complete a plan quote, an application for health insurance, or for other coverage services.

We use return email addresses to answer the emails we receive. Such addresses are only used for the pursuit of health insurance products. By sharing your e-mail address with us, you agree to receive notifications about rates changes, insurance policy quotes, and health plan information and to correspond with licensed agents about such matters. Your e-mail address will remain confidential and will not be given out to any third parties for other purposes.

We use non-identifying and aggregate information to better design our Web site. For example, we may tell a marketing company that “X” number of individuals visited a certain area of our Web site, but we would not disclose anything that could be used to identify those individuals.

Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

Security Procedures

We restrict access to your personal information by those employees or agents whom we have determined to be engaged in illegitimate business purposes and only allow access to such information in connection with the provision of providing products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your personal information.

Children’s Privacy

In compliance with the Children’s Online Privacy Protection Act (COPPA), the www.peopleshealthinsurance.com Web site is not directed at children under the age of 15 and does not knowingly collect personal data from children under the age of 15 without the consent of their legal guardian. If we receive actual knowledge that we have such personal information without the required verifiable consent, we will permanently delete the information from our database as soon as practically possible.

Policy Changes and Effective Date

This Privacy Policy is effective as of February 2004. Our privacy and security policies are reviewed periodically. Any changes to this policy will be posted on our Web site so users are always aware of how we use the information we collect.