Your Right to Know:
You have a right to know what we do with the personal and confidential information we collect about you in the normal course of business of offering, processing, administering and maintaining the insurance and financial products you purchase from us. Because we value the integrity of our client relationships, we want to assure you that we are properly safeguarding this important information.
Personal Information We Collect:
We need accurate, current health and financial information about you so that we can determine your insurability and provide products to meet your specific needs at a fair price. We collect personal information that you provide to us on applications, other forms and in interviews. In addition, we maintain information about your transactions with us, such as policy coverage, premiums and payment history. We may obtain additional information from third parties that may include agents, employers, other insurers or health care providers in the course of processing, underwriting or administering your group insurance policies.
Information We May Disclose:
We may share your personal financial and health information on a confidential basis only with authorized employees, representatives of third parties whose services are required to assure the highest level of service to you. We will not disclose any non-public personal information about you or about any other customers or former customers except as authorized by law, as described in this Privacy Notice or as otherwise communicated to you. Because we respect and share your concern for privacy, we will not provide your health information to anyone outside of our Company, except as described above. We will notify you, if we make any material change in this Policy Notice.
Protection of Your Information:
Reasonable care will be taken to keep pertinent records, current, complete and accurate. If you see any inaccuracy in your statements, or in any other communication from us, we would appreciate your assistance in making corrections by contacting us.
Above all, we value your trust and your confidence in our ability to manage and protect your important personal information.
THE REMAINDER OF THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
Statement of Our Duties:
We are required by the Health Insurance Portability and Accountability Act of 1996 to maintain the privacy of your personal health information and to provide you with this notice of our privacy practices and legal duties. We are required to abide by the terms of this notice. We reserve the right to change the terms of this notice and to make any new provisions effective to all of the personal health information that we maintain about you. If we revise this notice, we will provide you with a revised notice in the following manner by mailing to your address of record or by hand delivery if more convenient.
Statement of Your Rights:
You have a right to know how we may use or disclose your personal health information. This notice informs you of those users and disclosures. There are certain uses and disclosures of your personal health information that we are permitted or required to make by law without your permission. For all other uses and disclosures, we first must obtain your permission.
Complaints About Misuse of Health Information:
You may complain either directly to us or to the Secretary of Health and Human Services if you believe that your rights with respect to our protection of your health information have been violated. To file a complaint with us, you may, by submitting a complaint in writing that includes as many details (such as names and dates) as possible. You will not be retaliated against in any way for filing a complaint.
2214 S. Lincoln Street
Spokane, WA 99203
Phone: (509) 869-5337
Long Term Care (LTC) is different from medical care. It refers to a wide range of supportive personal and social services needed by people who are unable to care for themselves for an extended period of time.
This may be caused by accident, illness or frailty.
Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities, and those with End-Stage Renal Disease. Medicare covers many health care services and supplies, but there are many "gaps" it doesn't cover
Supportive personal and social services needed by people
who are unable to care for themselves for an extended period of time.
I work with you to create an insurance package to provide
comprehensive protection for you and your business.
Medicare covers many health care services and supplies,
but there are many "gaps" it doesn't cover
In your home
Peace of Mind