This provides notice of the privacy practices and policies of McClone Agency, Inc. These protections have been adopted to ensure that the information we obtain and maintain for our clients and customers, which may also include information about the employees, dependents, former employees and dependents, and other eligible participants on a group health plan for which we are providing services (“Protected Parties”), is protected under state and federal rules. The Notice outlines our practices, policies, and legal duties to maintain and protect against prohibited disclosure of personally-identifiable financial information (as required by the federal Gramm-Leach-Bliley Financial Modernization Act (“GLB Act”), and the state laws implementing those requirements), Protected Health Information of those Protected Parties (under the privacy regulations mandated by the Health Insurance Portability and Accountability Act and expanded by the Health Information Technology for Economic and Clinical Health Act provisions in Title XIII of the American Recovery and Reinvestment Act (“HITECH”), the HIPAA Omnibus ruling of 2013, and the regulations related to these laws and mandates), and the protection of personally-identifiable information under 45 CFR § 155.260 (collectively referred as “Privacy Rules”).
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT A PROTECTED PARTY
MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION.
PLEASE REVIEW IT CAREFULLY.
THE PROTECTION OF THE PRIVACY OF THE INFORMATION WE MAINTAIN IS IMPORTANT TO US.
1. Statement of Our Duties. We are required by law to maintain the privacy of non-public personal information (“NPPI”), protected health information (“PHI”), and personally-identifiable information (“PII”) (collectively referred as “Protected Information”) of the Protected Parties and to provide our clients with this notice of our privacy practices and legal duties. We must abide by this notice. We reserve the right to change this notice and to adopt any new provisions regarding the Protected Information we maintain about the Protected Parties. If we revise this notice, we will provide each client or customer with whom there is a current and direct business relationship with a revised notice by mail, electronic mail, client portal or any other electronic means, telefacsimile or fax, or hand-delivery.
2. Statement of the Client’s Rights under Privacy Rules. As our client or customer, you may know how we may use or disclose the Protected Information we maintain on those Protected Parties with whom there is a direct relationship. If our customer or client is an employer sponsoring a group health plan, we do not have a direct duty to their employees, dependents, former employees or dependents or other eligible participants on the group health plan. Our obligations to not disclose the Protected Information we maintain about those individuals may arise due to our contractual obligations as a Business Associate of both the client or customer, and to any other third party who is a Covered Entity under the Privacy Rules, but does not create a special legal duty to provide notice to those individuals of their rights through a Notice of Privacy Practices.
Primary Uses and Disclosures of Protected Information. We use and disclose Protected Information about Protected Parties for payment and health care operations. Privacy Rule does not generally “preempt” (or take precedence over) state privacy or other applicable laws that provide individuals greater privacy protections. To the extent state law applies, the privacy laws of a state, or other federal laws, rather than the Privacy Rules, might impose a privacy standard under which we must operate. For example, where such laws have been enacted, we will follow more stringent state privacy laws that relate to uses and disclosures of the Protected Information about HIV or AIDS, mental health, substance abuse/chemical dependency, genetic testing, or reproductive rights.
Besides these law requirements, we also may use or disclose Protected Information in these situations:
Payment: We might use and disclose your Protected Information for all activities within the definition of “payment” within the Privacy Rules. For example, we might use and disclose a Protected Party’s Protected Information to help pay claims for services provided to that Protected Party by doctors, hospitals, pharmacies, and others for services covered by a group health plan. We might also use your information to determine your eligibility for benefits, to coordinate benefits, to examine medical necessity, to obtain premiums, and to issue explanations of benefits to the person who subscribes to the health plan in which you participate.
Health Care Operations: We might use and disclose a Protected Party’s Protected Information for all activities within the definition of “health care operations” within the Privacy Rules. For example, we might use and disclose the Protected Information of a Protected Party to an insurer to determine the premiums for your health plan, to conduct quality assessment and improvement activities, to engage in care coordination or case management, and to manage our business.
Business Associate Subcontractors: In connection with our payment and health care operations activities, we contract with individuals and entities (called “subcontractors”) to perform various functions on our behalf or to provide certain types of services. To perform these functions or to provide the services, our subcontractors will receive, have access to, create, maintain, use, or disclose Protected Information, but only after we require the subcontractor to agree in writing to contract terms designed to appropriately safeguard your information.
Other Covered Entities: In addition, we might use or disclose your Protected Information to assist health care providers with their treatment or payment activities, or to assist other covered entities in connection with certain of their health care operations. For example, we might disclose a Protected Party’s Protected Information to a health care provider when needed by the provider to render treatment to that party, and we might disclose Protected Information to another covered entity or subcontractor to conduct health care operations related to billing, claims payment or enrollment.
For all other uses and disclosures, we first must obtain your permission.
In addition, you have the following rights:
- The right to request we place additional restrictions on our uses and disclosures of the Protected Information of Protected Parties. However, we need not agree to impose any such additional restrictions.
- The right to access, inspect, and copy the protected information pertaining to Protected Parties we maintain in our files, and the right to have us correct or amend any information we create in error. Requests to access or amend your health information should be sent to the contact person and address below.
- The right to receive an accounting of the disclosures of the Protected Information we maintain on Protected Parties we make for purposes other than activities related to payment functions or other health care operations.
- The right to request that communications containing a protected party’s Protected Information are sent in a confidential manner.
- If you received this notice electronically, you may also obtain a paper copy of this notice from us on request.
3. Information We Collect About You. We collect these categories of information for group and/or individual policies from the following sources:
- Information we obtain directly from you, in conversations or on applications or other forms you or a Protected Party completes.
- Information regarding current or prospective plan participants we obtain about them on applications or other forms.
- Information about the plan’s transactions with our affiliates, others, or us.
- Information we obtain because of our transactions with you.
4. Permissible Uses and Disclosures of Protected Information. We disclose the information we receive regarding current or prospective plan participants only under the terms of the Business Associate contracts we have entered to with Covered Entities under Privacy Rules and as permitted under state and federal laws about the privacy of your insurance and financial information. Those include:
- Situations Permitted or Required by Law. We also may use or disclose your Protected Information without your written permission for other purposes permitted or required by law, including, but not limited to:
- As authorized by and to the extent to comply with workers’ compensation or other no-fault laws;
- To an oversight or insurance regulatory agency for activities including audits or civil, criminal, or administrative actions;
- To a public health authority for public health activities (such as to the Federal Food and Drug Administration to report consumer product defects);
- To a law enforcement official for law enforcement purposes or in response to a court order or during any judicial or administrative proceeding;
- To organ procurement organizations or other entities for approved research; or
- To a governmental authority, including a social service or protective services agency, authorized to receive reports of abuse, neglect or domestic violence.
- For Any Purposes to Which You Have Not Objected. In certain limited circumstances, we may use or disclose your Protected Information after we have allowed you to object and you have not objected. For example, if you do not object, we may use limited information about you to maintain an office directory, to notify family members or any other person identified by you regarding issues directly related to such person’s involvement with your care or payment for that care, or in emergency circumstances.
- For Purposes for Which We Have Obtained your Written Permission. All other uses or disclosures of your Protected Information will be made only with your written permission, and you may revoke any permission you give us.
5. 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 regarding our protection of your health information have been violated. To file a complaint with us, you may send a written statement outlining your complaint, the facts and circumstances surrounding your complaint, including the names, dates, and many details. You will not be retaliated against for filing a complaint.
6. Our Practices Regarding Confidentiality and Security. We restrict access to Protected Information about you to those employees and its subcontractors who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with state & federal regulations to guard your Protected Information.
7. Our Duties. We are required by law to maintain the privacy of Protected Information and to provide individuals with notice of its legal duties and privacy practices regarding Protected Information. If unsecured Protected Information is acquired, used or disclosed so it is not permitted under the Privacy Rules that compromises the security or privacy of that Protected Information, (called a “Breach”), We must provide Notice as defined by law without unreasonable delay and never later than 60 days after the discovery of the Breach or receiving information of the Breach. We may delegate this duty to a subcontractor. We must abide by the Notice in effect. We will provide a paper copy of this Notice to you upon your request.
8. Our Policy Regarding Dispute Resolution. Any controversy or claim arising out of or relating to our privacy policy, or the breach thereof, shall be settled by arbitration under the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.
9. Revisions to this Notice. We reserve the right to change this Notice and to make the new Notice provisions effective for all Protected Information we maintain, whether the Protected Information was created or received before issuing the revised Notice. Whenever there is a material change to our use and disclosure of Protected Information, individual rights, our duties, or other privacy practices stated in this Notice, we will promptly revise and distribute the new Notice.
Contact Person for Filing Complaint or Obtaining Other Information. If you believe your privacy rights have been violated, you may file a written complaint with our Privacy Officer at the following address:
Paul Kaster, Privacy Officer
The McClone Agency, Inc.
150 Main Street
Menasha, WI 54952
920-725-3232 | paul.kaster@mcclone.com
