Privacy Policy

CoverCare Insurance Inc.

Effective Date: February 3, 2026

1. Introduction

This Privacy Policy (“Policy”) applies to CoverCare Insurance Inc. (“CoverCare,” “Company,” “we,” “us,” or “our”), an insurance agency with licensed insurance agents, and governs the collection, use, disclosure, and protection of your personal information, including Protected Health Information (PHI). This Policy applies to all services provided through our website, mobile applications, and interactions with our licensed agents, including the sale and enrollment of insurance products offered by third-party insurance carriers.

By accessing or using our services, where permitted or required by applicable law, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy. If you do not agree with any part of this Policy, please do not use our services.

2. Scope and Applicability

This Policy applies to all personal information collected by CoverCare Insurance Inc. in connection with our insurance products and services, including but not limited to:

Life insurance products
Health insurance products
Supplemental insurance coverage
Online quoting and enrollment services
Customer service and claims processing

3. Information We Collect

3.1 Personal Identifiable Information

To provide you with insurance products and services, we collect personally identifiable information that you voluntarily provide, including:

Full legal name (first, middle, last)
Date of birth
Residential address and mailing address
Email address
Telephone number (mobile and landline)
Government-issued identification documents
Employment and income information

3.2 Protected Health Information (PHI)

For health insurance applications and claims processing, we collect Protected Health Information as defined under the Health Insurance Portability and Accountability Act (HIPAA), including:

Medical history and current health conditions
Prescription medication records
Laboratory test results
Healthcare provider information
Treatment records and medical claims
Health insurance beneficiary information

3.3 Financial Information

We collect financial information necessary for underwriting, premium calculation, and payment processing:

Bank account information for premium payments
Credit and debit card information
Income verification documents
Beneficiary financial information

3.4 Automatically Collected Information

When you access our website or mobile applications, we automatically collect certain technical information:

IP address and geographic location
Browser type, version, and language settings
Device type, operating system, and unique device identifiers
Pages visited, time spent on pages, and click patterns
Referring website addresses
Access times and dates

4. How We Use Your Information

CoverCare uses your personal information for legitimate business purposes related to insurance operations, where permitted or required by applicable law, including:

Processing insurance applications and underwriting policies
Determining eligibility and calculating premiums
Processing claims and paying benefits
Verifying identity and preventing fraud
Maintaining accurate records and fulfilling contractual obligations
Providing customer service and technical support
Sending policy documents, notices, and required disclosures
Conducting quality assurance and training
Performing data analytics to improve our services
Complying with legal and regulatory requirements
Detecting, preventing, and investigating security incidents and fraud
Enforcing our terms of service and protecting our legal rights.

5. Disclosure of Your Information

5.1 No Sale of Personal Information

CoverCare Insurance Inc. does not sell, rent, or lease your personal information, including Protected Health Information, to third parties for their independent marketing purposes.

5.2 Permitted Disclosures

We may share your information with third parties only in the following circumstances:

Service Providers and Business Associates: We may share information with trusted third-party vendors who perform services on our behalf, including claims processors, reinsurance companies, underwriting services, payment processors, IT service providers, and customer support vendors. These parties are contractually obligated to protect your information and may only use it to provide services to CoverCare.
Insurance Carriers and Underwriters: As a contracted insurance agency, we share your application information with the insurance carriers we represent (such as Humana, UnitedHealthcare, and others) to obtain quotes, process applications, and facilitate policy enrollment. Our licensed agents work directly with these carriers on your behalf throughout the enrollment and claims process.
Medical Information Bureau (MIB): For life and health insurance underwriting, we may report information to and obtain information from the Medical Information Bureau in accordance with applicable law.
Legal and Regulatory Authorities: We may disclose information when required by law, regulation, court order, subpoena, or legal process; to comply with state and federal insurance regulations; to cooperate with law enforcement or government investigations; or to protect our legal rights and interests.
Corporate Transactions: In the event of a merger, acquisition, reorganization, bankruptcy, or sale of assets, your information may be transferred to the successor entity, subject to continued compliance with this Privacy Policy.
With Your Consent: We may disclose your information to other parties when you have provided explicit consent for such disclosure.

6. HIPAA Compliance for Protected Health Information

CoverCare Insurance Inc. is committed to complying with applicable requirements of the Health Insurance Portability and Accountability Act (HIPAA) and its implementing regulations. To the extent we receive or handle Protected Health Information (PHI), we maintain appropriate administrative, technical, and physical safeguards designed to protect the privacy and security of such information.

6.1 Notice of Privacy Practices

If you are enrolled in a health plan offered by CoverCare, you will receive a separate Notice of Privacy Practices that describes in detail how we may use and disclose your Protected Health Information and your rights under HIPAA.

6.2 Your HIPAA Rights

Under HIPAA, you have the following rights with respect to your Protected Health Information:

Right to access and obtain a copy of your PHI
Right to request amendments or corrections to your PHI
Right to receive an accounting of disclosures of your PHI
Right to request restrictions on certain uses and disclosures
Right to request confidential communications by alternative means or locations

7. State Insurance Privacy Laws

In addition to federal regulations, CoverCare complies with state insurance privacy laws, including but not limited to:

California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA)
Virginia Consumer Data Protection Act (VCDPA)
Colorado Privacy Act (CPA)
Connecticut Data Privacy Act (CTDPA)
Other applicable state privacy and insurance regulations

Residents of states with specific privacy laws may have additional rights as described in the “Your Privacy Rights” section below.

8. Data Security

CoverCare Insurance Inc. implements comprehensive security measures to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. Our security program includes:

Encryption of data in transit using Transport Layer Security (TLS) 1.2 or higher
Encryption of sensitive data at rest using industry-standard algorithms
Multi-factor authentication for system access
Regular security assessments and vulnerability testing
Employee training on data security and privacy practices
Access controls limiting employee access to personal information on a need-to-know basis
Incident response and breach notification procedures
Regular security audits and compliance monitoring

Despite our security measures, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your personal information, we cannot guarantee absolute security. You acknowledge and accept the inherent security and privacy limitations of internet communications.

9. Cookies and Tracking Technologies

9.1 Use of Cookies

Our website uses cookies and similar tracking technologies to enhance your user experience, analyze website traffic, and deliver personalized content. A cookie is a small text file stored on your device by your web browser.

We use the following types of cookies:

Essential Cookies: Required for website functionality and security
Performance Cookies: Collect information about website usage and performance
Functional Cookies: Remember your preferences and settings
Analytics Cookies: Help us understand user behavior and improve our services

9.2 Managing Cookies

You can control cookie settings through your web browser preferences. Most browsers allow you to refuse cookies or delete existing cookies. However, disabling cookies may limit your ability to use certain features of our website. For more information about managing cookies, please consult your browser’s help documentation.

10. Your Privacy Rights

10.1 General Rights

Subject to applicable law and certain exceptions, you have the following rights regarding your personal information:

Right to Access: Request access to the personal information we hold about you
Right to Correction: Request correction of inaccurate or incomplete information
Right to Deletion: Request deletion of your personal information
Right to Portability: Request a copy of your information in a portable format
Right to Opt-Out: Opt out of certain data processing activities

10.2 Right to Deletion – Exceptions

We may not be able to delete your personal information if it is necessary to:

Complete the insurance transaction or provide requested services
Fulfill contractual obligations under your insurance policy
Detect, investigate, and prevent fraud or security incidents
Comply with legal obligations, including state insurance record retention requirements
Defend legal claims or exercise legal rights
Conduct internal audits or comply with regulatory examinations
Maintain business records for actuarial or statistical purposes

10.3 Exercising Your Rights

To exercise any of your privacy rights, please contact us using the information provided in the “Contact Information” section below. We will verify your identity before processing your request and respond within the timeframe required by applicable law.

11. Marketing Communications

CoverCare may contact you via telephone, SMS text message, or email to:

Provide information about your insurance policies
Send policy renewal notices and important updates
Inform you of new products or services
Conduct customer satisfaction surveys
Provide customer service support

11.1 Opting Out of Marketing

You may opt out of marketing communications at any time by:

Clicking the “unsubscribe” link in marketing emails
Replying “STOP” to SMS text messages
Contacting us at the email or phone number listed below
Updating your communication preferences in your online account

Please note: Even if you opt out of marketing communications, we will still send you transactional and service-related messages, such as policy confirmations, claims updates, and legally required notices.

12. Third-Party Links

Our website may contain links to third-party websites, applications, or services that are not owned or controlled by CoverCare Insurance Inc. This Privacy Policy applies only to information collected by CoverCare. We are not responsible for the privacy practices or content of third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

13. Children’s Privacy

CoverCare Insurance Inc. complies with the Children’s Online Privacy Protection Act (COPPA) and other applicable laws regarding the collection of information from children. Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from children under 18 without verifiable parental consent.

In limited circumstances, we may collect information from or about minors when they are listed as dependents on a parent or guardian’s insurance policy, or as beneficiaries. In such cases, we collect only the minimum necessary information and obtain appropriate parental or guardian consent as required by law.

14. Data Retention

CoverCare retains your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Insurance records, including applications, policies, and claims, are retained in accordance with state and federal record retention requirements, which typically range from 5 to 10 years after policy termination or claim settlement, or longer where required by law, regulation, contractual obligations, or litigation holds. After the retention period expires, we securely delete or anonymize your information.

15. International Data Transfers

CoverCare Insurance Inc. primarily operates within the United States. If you access our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your jurisdiction. By using our services, where permitted or required by applicable law, you consent to the transfer of your information to the United States and processing in accordance with this Privacy Policy.

16. Data Breach Notification

In the event of a data breach involving your personal information, CoverCare will provide notification as required by applicable state and federal law, including HIPAA breach notification requirements. We will notify affected individuals, regulatory authorities, and, when applicable, consumer reporting agencies, within the timeframes mandated by law.

17. Changes to This Privacy Policy

CoverCare Insurance Inc. reserves the right to modify this Privacy Policy at any time to reflect changes in our practices, services, legal requirements, or business operations. When we make material changes to this Policy, we will notify you by:

Posting a prominent notice on our website
Sending an email notification to the primary email address on file
Providing notice through your online account or mobile application

The revised Privacy Policy will be effective immediately upon posting unless otherwise specified. Your continued use of our services after the effective date constitutes your acceptance of the revised Policy. We encourage you to review this Privacy Policy periodically.

18. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

CoverCare Insurance Inc.
Email: Info@yourcoveredcare.com
Phone: (954) 300-3890

19. State-Specific Disclosures

19.1 California Residents

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents have additional rights, including:

Right to know what personal information is collected, used, and shared
Right to delete personal information held by CoverCare
Right to opt out of the sale or sharing of personal information
Right to correct inaccurate personal information
Right to limit the use and disclosure of sensitive personal information
Right to non-discrimination for exercising privacy rights

California residents may submit privacy requests by contacting us at Info@yourcoveredcare.com or calling (954) 300-3890. We will verify your identity and respond within 45 days.

19.2 Other State Residents

Residents of Virginia, Colorado, Connecticut, and other states with comprehensive privacy laws have similar rights. Please contact us using the information above to exercise your rights under applicable state law.

20. Acknowledgment

By using CoverCare Insurance Inc.’s services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your information as described herein.
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Document Version: 1.0
Last Updated: February 3, 2026