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This notice describes our privacy policy (“Notice”). By visiting our Web Site (“Web Site”), you are accepting the practices described in this Notice.

Purpose of this Policy

This Privacy Policy is intended to comply with the Gramm-Leach-Bliley Act (GLBA), Health Insurance Portability and Accountability Act (HIPAA) Privacy and Security Rules, Health Information Technology for Economic and Clinical Health Act (HITECH Act), the Patient Protection and Affordable Care Act (PPACA), as amended by the Health Care and Education Reconciliation Act of 2010, and the Social Security Act.

This policy describes the privacy practices and standards we have adopted to protect and ensure the security, confidentiality and integrity of your individually identifiable health, personal, medical and financial information (“your information” or “your personal information”). It also describes how it may be used, disclosed and how you may access this information. Please review it carefully.

LEAD Agency’s goal is to professionally serve your insurance needs. In order to provide insurance services, we ask questions and collection information about you that is needed to customize your coverage and find you the best insurance option available to us. While providing the requested information (including social security numbers) is voluntary, failing to provide it may delay or prevent your ability to obtain insurance coverage through LEAD Agency. We are obligated under federal and state law to protect the personal information you share with us, as well as other information we may collect as part of the insurance transaction.

Our Privacy Policies and Practices

Information we collect:

We collect personal information about you from the following sources:

·        Information we receive from you on applications or other forms.

·        Information about your transactions with us, our affiliates or others.

·        Information we receive from a consumer reporting agency.

Unless it is specifically stated otherwise in an amended Privacy Policy, no additional information will be collected about you.

Information we may disclose to third parties:

We may disclose information about our customers as permitted by federal and state law.

Non-affiliated third parties to whom disclosures may be made:

We may disclose personal information about you to the following types of third parties, unless you tell us not to:

  • Financial service providers, such as life insurers, automobile insurers, and insurance agents;
  • Other federal agencies, (such as the Internal Revenue Service, Social Security Administration and Department of Homeland Security), state agencies (such as Medicaid or CHIP) or local government agencies. We may use the information you provide in computer matching programs with any of these groups to make eligibility determinations, to verify continued eligibility for enrollment in a qualified health plan or Federal benefit programs, or to process appeals of eligibility determinations;
  • Other verification sources including consumer reporting agencies;
  • Employers identified on applications for eligibility determinations;
  • Applicants/enrollees, and authorized representatives of applicants/enrollees;
  • Agents, Brokers, and issuers of Qualified Health Plans, as applicable, who are certified by CMS who assist applicants/enrollees;
  • CMS contractors engaged to perform a function for the Marketplace; and
  • Anyone else as required by law or allowed under the Privacy Act System of Records Notice associated with this collection (CMS Health Insurance Exchanges System (HIX), CMS System No. 09-70-0560, as amended, 78 Federal Register, 8538, March 6, 2013, and 78 Federal Register, 32256, May 29, 2013).

We may also disclose personal information about you to non-affiliated third parties as permitted by law.

Our practices regarding information confidentiality and security:

We restrict access to personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain administrative, physical and technical safeguards that comply with federal regulations to guard your personal information.

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 in accordance with 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.

Reservation of the right to disclose information in unforeseen circumstances:

In connection with the potential sale or transfer of its interests, LEAD Agency and its affiliates [if any] reserves the right to sell or transfer your information (including but not limited to your address, name, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that (1) concentrates its business in a similar practice or service; (2) agrees to be LEAD Agency’s successor in interest with regard to the maintenance and protection of the information collected; and (3) agrees to the obligations of this privacy statement.

Your Individual Rights

For Further Information; Complaints. 

If you desire further information about your privacy rights, are concerned that we have violated your privacy rights or disagree with a decision that we made about access to your personal information, you may contact our Compliance Officer. You may also file written complaints with the Secretary of the U.S. Department of Health and Human Services (the "Secretary") Office for Civil Rights. Upon request, the Compliance Officer will provide you with the correct address for the Secretary. We will not retaliate against you if you file a complaint with us or the Secretary.

Right to Receive Confidential Communications. 

We accommodate any reasonable request for you to receive your personal information by alternative means of communication or at alternative locations. Contact the Compliance Officer for the appropriate form.

Right to Inspect and Copy Your Information. 

You may request access to our records that contain your information in order to inspect and request copies of your records. Under limited circumstances, we may deny you access to all or a portion of your records. If you desire access to your records, please obtain a record request form from the Privacy Office and submit the completed form to the Privacy Office. If you request copies, we will charge you a reasonable fee for copying and mailing costs. You also have a right to receive a copy in electronic format, if so requested.

Right to Amend Your Records. 

You have the right to request that we amend your information maintained in our records, including case or medical management records, used, in whole or in part, by or for us to make decisions about you or with respect to our products or services. If you desire to amend these records, please obtain and submit an amendment request form from the Compliance Officer. We will comply with your request unless special circumstances apply. If your physician, insurance carrier or other health care provider created the information that you desire to amend, you should contact the provider to amend the information.

Right to Receive an Accounting of Disclosures. 

Upon request, you may obtain an accounting of certain disclosures of your information made by us, excluding disclosures made earlier than six (6) years before the date of your request. If you request an accounting more than once during a twelve (12) month period, we have the right to charge you fifty cents ($0.50) per page of the accounting statement and five dollars ($5.00) per hour for clerical work necessary to complete the requested accounting.

Right to Receive Paper Copy of this Notice. 

Upon request, you may obtain a paper copy of this Notice.

Contact the Compliance Officer for any questions at 231-798-0075.

Third Party Web Sites: Please be aware that the Web Site may have links to third party web sites that may collect personally identifiable information about you. When you click on one of these third party links, you are entering another web site for which we have no responsibility. This Notice does not cover the information practices or policies of such third party web sites. We encourage you to read the privacy statements of all such web sites since their privacy policies may be materially different from our Notice.

5797 S Harvey St, Suite A | Norton Shores, MI 49444 | 231.798.4764
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