HIPAA Privacy Policy

Notice of Privacy Practices PDF Icon
Individual Rights and Forms


Assurant Health Companies:

Time Insurance Company
John Alden Life Insurance Company
Union Security Insurance Company


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. Please review it carefully. (Effective Date, April 14, 2003)

Assurant Health is required by law to maintain the privacy of protected health information and to provide individuals with this notice of our legal duties and privacy practices. Assurant Health is required to abide by the terms of the Notice.

Who We Are
In business since 1892, Assurant Health provides health insurance coverage nationwide for individuals, families and small businesses. Assurant Health develops and provides a wide range of individual medical, small group, short term and student health insurance products, as well as non-insurance products. Assurant Health also provides consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements. Assurant Health is headquartered in Milwaukee, Wis., and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country. Assurant Health is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company. The Assurant Health Web site is www.assuranthealth.com. Assurant Health is part of Assurant, which offers specialized insurance products and related services in North America and selected other markets.

Information We Collect
To serve your health insurance needs, Assurant Health collects information about you. We may collect this information directly from you orally or on applications or other forms. We also collect information from third parties such as your agent or broker, your current or former health care providers and consumer reporting agencies. In addition, this information may include your transactions with Assurant Health, its affiliates and others. It is impossible to describe every type of information that we collect, but here are some examples: your name, age, address, Social Security number, telephone number, occupation and other demographic information about you and your family; whether you are a past or present customer with us, or if you ever applied for an insurance product or service from us, as well as your history of other insurance coverage and applications (if you apply online, information is collected through an Internet “cookie,” an information-collecting device from a web server); your past, present or future physical, mental or behavioral health or condition; your health care history; your history of insurance coverage, premiums, claims and payments through Assurant Health; prescription information; information from consumer reporting agencies and data collection agencies.

How Assurant Health May Use and Disclose Information About You
We use and disclose information about you in serving your health insurance needs. It is impossible to describe every type of information that we use or disclose but we have provided some examples of how we use this information to provide services to you and your dependents. Other types of use or disclosure of your protected health information that are not categorized in this notice including uses and disclosures of psychotherapy notes, uses and disclosures of protected health information for marketing purposes, and disclosures that constitute a sale of protected health information may only be made with your written authorization, which you may revoke at any time by writing us at the address identified on the authorization.

Treatment: Your health care provider may ask us to use or disclose protected health information in connection with treatment, including the provision, coordination, or management of health care and related services.

Payment: We may use and disclose protected health information for payment purposes, including billing, review of health care services, determining whether a service is “medically necessary” and for utilization review. For instance, a doctor or health facility involved in your care may forward a claim to us with your protected health information. Assurant Health must have this health information to process your claims.

Health Care Operations: Assurant Health may use and disclose protected health information as part of our health care operations. For example, we may use and disclose information in the underwriting process, renewal process, quality assessment activities or accreditation and certification. We are prohibited from using or disclosing your protected health information that is genetic information for underwriting purposes.

Plan Sponsors: If you are enrolled in a group health plan, Assurant Health may provide protected health information to the plan sponsor. For instance, we may share enrollment or disenrollment information with your employer.

Health-related Benefits and Services: We may, from time to time, contact you about treatment alternatives or other health related benefits, products or services that may be of interest to you, and for case management or care coordination.

Business Associates: Assurant Health works with companies and consultants who perform a wide variety of functions on our behalf. For example, we work with financial institutions such as agents, brokers, insurance distributors, reinsurers and excess loss insurers, non-financial institutions such as health care providers, detectors of fraud, auditors, insurance support organizations, claims handlers, underwriters, and others such as information technology specialists and consultants. At times it may be necessary for us to provide your protected health information to one or more of these outside persons or organizations who assist us with our health care operations. In all cases, we require these business associates to provide written assurances to us that they will appropriately safeguard the privacy of your protected health information.

Individuals Involved in Your Care or Payment: We may use or disclose protected health information to you or other family members who are covered under your health insurance policy regarding your care or payment related to your care. If you object to our use or disclosure of your protected health information in communications with other family members covered under your health insurance policy, please contact our customer service department and ask for the Right to Restrictions form PDF Icon, or visit our Web site at www.assuranthealth.com. This request must be made in writing and signed by you or your legally authorized representative.

Permitted or Required by Law: Assurant Health may release information when requested by law enforcement officials or when permitted or required by law. If you are involved in a lawsuit or dispute, Assurant Health may need to disclose protected health information in response to a court or administrative order.

More Stringent Laws: Assurant Health offers health coverage in many states across the nation. In some cases we may be required to follow the state law provisions on use and disclosure of your protected health information, which may be more stringent than those outlined in this notice.

Our Security Safeguards
Assurant Health has established safeguards to ensure the security and confidentiality of information about you. These safeguards include protection against any anticipated threats or hazards to the security or integrity of the information, as well as protection against the unauthorized access to or use of this information. We restrict access to your information to those employees “who need to know that information” to provide products or services to you or on your behalf.

Your Rights Regarding Protected Health Information
You have the following rights regarding protected health information we maintain about you:

Right to Access: You have the right to request to access, inspect or copy your protected health information in a designated record set. A designated record set could include information related to enrollment, premium payment, claims adjudication and medical management. Right to Access form PDF Icon

Right to Amend: If you feel that the information we have about you is incorrect, you may ask to have protected health information in a designated record set amended. You have the right to request an amendment as long as the information is kept and created by Assurant Health. Right to Amend form PDF Icon

Right to an Accounting of Disclosures: You have the right to receive an accounting of disclosures of your protected health information made by us in the preceding six years from the date of your request. The accounting will not include disclosures made for purposes of treatment, payment or health care operations, disclosures permitted or required by law, or disclosures to you or to third parties to whom you have authorized disclosure. Right to Request an Accounting of Disclosures form PDF Icon

Right to Request Restrictions: You have the right to request a restriction or limitation on the health information we use or disclose about you for treatment, payment or health care operations. We are not required to agree to a requested restriction. Right to Request Restrictions form PDF Icon

Right to Confidential Communications: If you feel that your life may be in danger if Assurant Health contacts you at the address or phone number maintained in our records, you may request that we contact you in a different way or at a different location. If you would like to request to access or amend your personal health information, to request restrictions on use or disclosure, to request confidential communications, or to request an accounting of disclosures, please visit our web site at www.assuranthealth.com or contact our Customer Service Department at the number listed below and ask for the appropriate form. Each form must be signed by you or your legally authorized representative. Each of the forms provides additional information relating to your rights. Right to Request Confidential Communications form PDF Icon

Right to be notified of a breach: You will be notified in the event that your unsecured protected health information is compromised.

Complaints: If you believe your privacy rights have been violated, you may file a complaint with Assurant Health or with the Secretary of the Department of Health and Human Services. All complaints must be in writing. You will not be retaliated against for filing a complaint.

Changes to This Notice
We reserve the right to make changes to this notice and to make the revised or changed notice effective for protected health information we already have about you as well as any information we receive or create in the future. Any changes to this notice will be posted on our Web site, and if we make substantial material changes to the notice, we will distribute the revised notice to you or your plan sponsor via mail. You may view a copy of this notice at any time at our Web site www.assuranthealth.com or you may receive another copy of the notice, or receive further information about this notice, by contacting us in writing at Assurant Health, P.O. Box 624, Milwaukee, WI 53201-0624.

Women’s Health and Cancer Rights Act Notice
Effective October 21, 1998, the Federal Women’s Health and Cancer Rights Act requires all health insurance plans that provide coverage for a mastectomy must also provide coverage for the following medical care: reconstruction of the breast on which the mastectomy has been performed; surgery and reconstruction of the other breast to produce a symmetrical appearance; and prostheses and physical complications at all stages of the mastectomy, including lymphedemas, in a manner determined in consultation with the attending physician and the patient. Covered benefits are subject to all provisions described in your plan, including but not limited to: deductible, copayment, rate of payment, exclusions and limitations.

Form 28280 (Rev. 8/2016)