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Website Privacy Policy

Thank you for visiting the HealthCompare and/or Medicare by HealthCompare websites (hereinafter, the "Website"), which are both owned and operated by HealthCompare, Inc. (hereinafter, "HealthCompare"; "We"; or "Our"). Your privacy is important to us. To better protect your privacy, We are providing this notice explaining Our online information policies and practices. By visiting these Websites, you are consenting to the practices described in this privacy policy.

Effective Date of This Privacy Policy
This privacy policy is effective October 1, 2009.

Categories of Personally Identifiable Information We Collect.
HealthCompare will receive and store information about you and your dependents (if applicable) such as name, address, gender, Social Security Number, age and answers to medical questions (if applicable) whenever this information is provided through these Websites. We may also obtain information about you from third parties such as your employer or insurance brokers who may utilize these Websites to do such things as request a quote for health insurance coverage or manage account activity online.

Cookies
HealthCompare and/or its business partners may use cookies on these Websites. A cookie is a piece of data stored on the user's hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on Our Websites. A cookie cannot be used to access or otherwise compromise the data on your hard drive. The "help" portion of the toolbar on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. If the user rejects the cookie, they may still use these Websites but some functionality may be impaired.

Log Files
These Websites records the IP or internet protocol address of users who log on to facilitate use of these Websites. IP addresses are not linked to personally identifiable information.

Categories of Third Parties With Whom We May Share The Information We Collect
The information We collect through the Website and from other sources is used to provide quotations for health insurance coverage through Health<i>Compare</i> 's health plan(s) and to provide other products and services to Our brokers. We may share information with Our contracting health plan carriers during the underwriting process, as well as affiliated businesses, when necessary to provide services through those companies. We may also release personally identifiable information when We believe that the release of such information is required by law or is necessary to protect the rights, property or safety of Health<i>Compare</i> or others.

Review and Amendment Of Information Collected
If you would like to review and/or amend information We have collected about you, please contact our Health<i>Compare</i> Help Desk at . Requests to amend information must be made in writing via regular mail sent to:

HealthCompare, Inc.

,

Or by email sent to: CustomerService@(ViewBag.ApplicationDisplayName).com

Security
Health<i>Compare</i> does not make warranties or representations regarding the security of Our content or user content. Data sent over the Internet may be intercepted by third parties; if you are concerned about the security of your data, you should not send it over the Internet.

Third Party Links
These Websites may contain links to third party websites. Health<i>Compare</i> makes no representation regarding the content or accuracy of any website that you may access through these Websites. Health<i>Compare</i> does not monitor and is not responsible for the content found on other websites that are linked from these Websites. Health<i>Compare</i> does not imply endorsement, recommendation or sponsorship for any linked website or the services, products or advice described on the site, and Health<i>Compare</i> shall have no liability for its content, including its accuracy, subject matter, quality or timeliness, or any personal information that you provide to such site. USE OF SUCH SITE IS AT YOUR OWN RISK. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s), not of Health<i>Compare</i>.

Children's Privacy Protection
These Websites are not designed for or intentionally targeted at children 13 years of age or younger. We will not collect information regarding children 13 years of age or younger unless that information is provided by or with the consent of their parents or guardians.

Notification of Changes
If We decide to change Our privacy policy, We will post those changes on Our Websites. Please review these pages periodically for changes. Your use of these Websites constitutes acceptance of the provisions of this privacy policy and your continued usage after changes are posted constitutes acceptance of each revised policy. If you do not agree to the terms of this privacy policy or any revised policy, please exit these Websites immediately. The information We receive is a significant part of Our business and one of Our primary assets. In the future, We might buy or sell business assets, which may include this information. In the event that Health<i>Compare</i> Insurance Services, Inc. or substantially all of its assets are acquired, customer information may be one of the transferred assets.

Accuracy
We believe the information provided on these Websites is accurate and We make every effort to minimize errors. However, We cannot absolutely guarantee the accuracy of the information provided. If you find an error, or any inaccuracy, please inform us as soon as possible.

Contact Information Regarding These Websites
If you have Website questions, comments, or concerns, please email CustomerService@(ViewBag.ApplicationDisplayName).com. Please include detail of your questions, comments or concerns and your complete name and contact information. You may also call the Help Desk at , or call our Customer Service team at .

Disclaimer

The Joppel by Health<i>Compare</i> (Joppel) website provides information on Medicare-approved HMO plans, PPO plans, PFFS plans, POS plans, prescription drug plans offered by Medicare-approved Part D sponsors, and information on certain Medicare Supplement Insurance plans.  Health<i>Compare</i> represents multiple plans in most markets. To see plan specific information and disclaimers please enter the required fields by selecting the “Find A Plan” option above.

The benefit information provided is a summary, not a comprehensive description of benefits. To obtain information from the health plan, call (TTY 711) and a Health<i>Compare</i> Licensed Sales Agent can provide you with the customer service telephone number for the health plan from whom you would like to request benefit information. Printed materials may be available in alternative formats or languages. Benefits, formulary, pharmacy network, premium and/or copayments/coinsurance may change on January 1 of each year. Plans may not be available to you the following contract year because by law, plans can choose to not renew their contract with the Centers for Medicare and Medicaid Services (CMS) or reduce their service area, and CMS may also refuse to renew the contract, thus, resulting in a termination or non-renewal of the health plan. You must continue to pay your Medicare Part B premium. Limitations, copayments, and restrictions may apply. Individuals must have both Part A and Part B to enroll in a MA or MA-PD plan. Members may enroll in the plan only during specific times of the year. You may enroll when you first become eligible for Medicare. In 2011 and subsequent years, you may enroll during the annual election period from October 15 through December 7. You may also enroll in special situations such as if you move, become eligible for Medicaid or Medi-Cal (CA), qualify for Extra Help to pay for your prescriptions, or if you live in an institution.

For some MA and MA-PD plans, you must receive all routine care from plan providers. You must use plan providers except in emergency or urgent care situations. If you obtain routine care from out-of-network providers neither Medicare nor your health plan will be responsible for the costs. For PPO, RPPO, and POS plans, it may cost more to get care from out-of-network providers, except in an emergency or for urgent care. A Medicare Advantage Private Fee-for-Service plan works differently than a Medicare Supplement Insurance plan. For certain Medicare Advantage Private-Fee-for-Service plans, your provider is not required to agree to accept the plan's terms and conditions, and thus may choose not to treat you, with the exception of emergencies. If your provider does not agree to accept the plan's payment terms and conditions of payment, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept the plan's payment terms and conditions. Providers can find the plan's terms and conditions on each plan's website. For other types of Medicare Advantage Private-Fee-For-Service plans, some plans have network providers (that is, providers who have signed contracts with our plan) for all services covered under Original Medicare and some plans have network providers for only certain services covered under Original Medicare. These providers have already agreed to see members of the plan. If your provider is not one of the network providers for a specific plan, then the provider is not required to agree to accept the plan's terms and conditions, and thus may choose not to treat you, with the exception of emergencies. If your provider does not agree to accept the plan's payment terms and conditions, they may choose not to provide health care services to you, except in emergencies. If this happens, you will need to find another provider that will accept the plans payment terms and conditions. Providers can find the plan's terms and conditions on each plan's website. Benefit information is available in alternate formats or languages from the health plan or insurance company offering the plan. Call (TTY 711) and a Health<i>Compare</i> licensed agent can provide you with the customer service telephone number for the health plan from whom you would like to request benefit information in an alternate format or language. For some plans, Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.

In general, you must use network pharmacies to access their prescription drug benefit, except in non-routine circumstances, and quantity limitations and restrictions may apply. You may be able to get Extra Help to pay for your prescription drug premiums and costs. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week; the Social Security Office at 1-800-772-1213 between 7:00 a.m. and 7:00 p.m., Monday through Friday. TTY users should call 1-800-325-0778 or your Medicaid Office. Each plan with a prescription drug benefit will have a formulary, or list of drugs covered by the health plan. Formularies may change during the year. For drugs that are not covered, health plans have a process to request an exception for the non-covered drug. Plans with a prescription drug benefit cover both brand name drugs and generic drugs. Generic drugs have the same active-ingredient formula as a brand name drug. Generic drugs usually cost less than brand name drugs and are rated by the Food and Drug Administration (FDA) to be as safe and effective as brand name drugs. Certain drugs may be covered under Medicare Part B or Part D depending upon the circumstances. Information may need to be submitted describing the use and setting of the drug to make the determination.

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