Notice of Privacy Policy and Practices

This notice tells how and why we collect personal information about our customers, how we handle it and with whom we share it. We respect the privacy of personal information and handle it securely. Our practices apply to current and former customers.

Personal Information We Collect From Others

We may also receive personal information about our customers from others, such as:

• Employers, insurance agents and brokers
• Health care providers (doctors, clinics, hospitals)
• Other insurance companies that provide coverage to our customers
• Business partners (companies with whom we have arrangements to assist us in providing customer products and services)
  

The information we collect from others may include, for example, eligibility, claims and payment information.

How We Protect Personal Information

We use strict safeguards to protect the personal information of our customers. These safeguards include how we store personal information in work spaces and computers and how we transfer that information within our company and to our business partners. We only allow people who work for us or our business partners to see personal information when it is part of their job to provide products or services to our customers. These people are informed about the safeguards we have in place, our privacy policies, and the law that protects privacy.

When We Disclose Personal Information

We may share personal information we collect (as described above) within our family of companies ("affiliates") as permitted by law. We do not share personal customer information outside of our affiliates except when the law allows or requires us to do so. For any other types of disclosures to third parties, we require a customer request or authorization. Some examples of persons to whom we disclose personal information include the following:

• business partners who help to administer customer benefits and services
• our attorneys, accountants and auditors who need the information to provide their services to us
• authorized representatives such as parents and guardians or people given permission by the customer
• health care providers, insurance agents and brokers, other insurers, consumer reporting agencies
• law enforcement and regulatory authorities
• companies that market our products and services or companies with whom we have joint marketing or disease management agreements.
  

Individual Rights

Our customers can access the personal information we collect upon request. We may not share information that we collected for a lawsuit or legal claim. We try to keep customer information correct and current. If you believe that any personal information we have about you is not accurate, please let us know by contacting us at our office, write us via our website or by phone.

Other Information

We may change our privacy policy and practices from time to time. We will send our current customers our privacy notice in writing whever a change occurs.