Emerald Coast Insurance Inc

Privacy Policy Emerald Coast Insurance Inc. (“Emerald Coast Insurance,” “we,” “us,” or “our”) is committed to protecting the privacy and security of information provided by our clients and prospective clients in connection with health insurance and Medicare-related services. This Privacy Policy explains how we collect, use, maintain, and protect personal and health-insurance-related information when providing insurance services. Information We Collect In connection with providing insurance services, we may collect information such as: Full name Date of birth Mailing address Telephone number Email address Medicare number or other insurance identification information Medicaid information, when applicable Current health insurance plan information Primary care provider and specialist information Prescription medication information when voluntarily provided for plan review Information regarding health insurance coverage and benefits Information needed to assist with applications, enrollment, eligibility, or plan reviews Information provided during telephone calls, appointments, or other communications with our office We only request information that is reasonably necessary to provide or assist with insurance-related services. How We Use Information Emerald Coast Insurance may use client information to: Review existing health insurance coverage Assist clients with Medicare and health insurance options Assist with applications, enrollment, and plan changes Verify insurance eligibility and plan information Review plan benefits and coverage Communicate information about upcoming enrollment periods Explain changes to existing insurance plans Schedule appointments and telephone consultations Respond to client questions and requests Maintain accurate client records Provide follow-up and customer service Meet applicable legal, regulatory, and contractual requirements Health and Insurance Information Because Emerald Coast Insurance provides health insurance services, clients may voluntarily provide information related to their health coverage, providers, prescriptions, and other information necessary to assist with insurance-related services. We treat this information as confidential and take reasonable measures to protect it from unauthorized access, use, or disclosure. Where HIPAA or other applicable privacy laws apply to information handled by Emerald Coast Insurance or our service providers, we will follow the applicable requirements. HIPAA's Privacy Rule establishes protections and limits on the use and disclosure of protected health information by entities covered by the rule. Sharing Information We do not sell clients' personal or health-related information. Information may be shared when reasonably necessary to provide requested insurance services, including with: Health insurance carriers Medicare-related organizations Medicaid-related organizations Service providers assisting with insurance applications or enrollment Technology and communication providers that support our business operations Other parties when disclosure is required or permitted by applicable law We limit information shared with third parties to what is reasonably necessary for the applicable business or insurance-related purpose. Client Communications We may communicate with existing clients by telephone, email, text message, or other communication methods regarding their insurance relationship with our office. These communications may include: Health insurance plan updates Medicare plan updates Annual Enrollment Period (AEP) reminders Client event invitations and reminders Appointment and callback reminders Requests to confirm or update insurance information Follow-up regarding insurance services General service-related communications We do not use client health or insurance information to send unrelated promotional messages. For text messaging, clients may opt out of future messages by replying STOP. Clients may request assistance by replying HELP or contacting our office. Mobile telephone numbers and mobile messaging information will not be sold or shared with third parties for their own marketing purposes. Protecting Client Information We use reasonable administrative, technical, and physical safeguards designed to protect client information from unauthorized access, use, disclosure, alteration, or destruction. Access to client information is limited to individuals and service providers who reasonably need the information to perform authorized business or insurance-related functions. No electronic transmission or storage system can be guaranteed to be completely secure. Confidentiality Emerald Coast Insurance expects its employees, contractors, and service providers who have access to client information to maintain appropriate confidentiality and use information only for authorized business purposes. When applicable, third parties that handle protected health information on behalf of a HIPAA-covered entity may be required to enter into appropriate Business Associate Agreements and comply with applicable HIPAA requirements. Client Privacy Choices Clients may contact Emerald Coast Insurance to: Update inaccurate contact information Ask questions about how their information is used Request information regarding our privacy practices Opt out of text messages Request that certain non-essential communications stop We may continue to contact clients when communication is necessary to provide requested insurance services or fulfill legal or contractual obligations. Information Retention We retain client information for as long as reasonably necessary to provide services, maintain business and insurance records, comply with applicable legal and regulatory requirements, and resolve disputes. Changes to This Policy Emerald Coast Insurance may update this Privacy Policy from time to time to reflect changes in our services, business practices, or applicable laws. Any updated version will be made available with a revised effective date. Contact Us Emerald Coast Insurance Inc. 1765 E Nine Mile Rd, Suite 260 Pensacola, FL 32514 Phone: 850-378-2200 Email: fflemeraldcoastinsurance@gmail.com If you have questions about this Privacy Policy or how Emerald Coast Insurance handles your information, please contact our office.