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Notice of Privacy Practices

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION.

Background

The goal of the Privacy Rule is to "safeguard the patient's or health plan member's individually identifiable information," called Protected Health Information (PHI).  PHI information includes anything that may identify a person as an applicant or insured under any marketed health insurance policies.  HIPAA defines "health insurance" very broadly and may apply to health, group dental, cancer, accident, Supplemental Health Option Plans, Heart/Stroke, and Long Term Care.  The privacy of your health information is important to us.

Notice of Privacy Practices

As a covered entity under HIPAA Privacy Regulations, we are required to maintain the privacy of your health information.  We will follow the following practices, as outlined under the Act, effective April 14, 2003 if the group health plan has $5 million or more in annual receipts (claims) or April 14, 2004 if the Group Health Plan has less than $5 million in annual receipts (claims).

O&A Method of Handling PHI:

  1. We will use and disclose health information about you to support our business functions.  Some examples are:
    • Assistance with claims for services provided to you by doctors or hospitals
    • Underwriting purposes in relation to premium rating or other activities relating to the creation, renewal or placement of a contract of insurance. 
    • Engage in care coordination or case management.    
  2. We may use and disclose health information about you in response to a court or administrative order, subpoena, discovery request or other lawful process. 
  3. We may disclose your health information to family, friends or others with your written authorization.
  4. We will maintain physical, electronic and procedural safeguards to protect personal information we obtain about you.

Your Individual Rights

  1. You have the right to obtain copies of your health information.
  2. You have the right to request that we amend your health information we have on file.
  3. You have the right to request that we place additional restrictions on our use or disclosure of your health information.
  4. You have the right to request that we communicate with you in confidence about your health information at an alternative location. 

To exercise any of these rights or if you have any questions, please contact our customer service department.

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