Privacy Policy

Effective Date: May 29, 2025

1. Introduction

Health Insurance Jedi (“we,” “us,” or “our”) is committed to protecting your privacy and personal health information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://healthinsurancejedi.com/, use our insurance services, or communicate with us through various channels including SMS/text messaging.

As an independent health insurance agency, we handle sensitive personal and health information and are committed to maintaining the highest standards of privacy protection in compliance with applicable laws including HIPAA, state insurance regulations, and federal privacy laws.

By using our website or services, you consent to the data practices described in this Privacy Policy. If you do not agree with the practices described here, please do not use our website or services.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us, including:

  • Name, date of birth, and Social Security number
  • Contact information (email address, phone number, mailing address)
  • Employment and income information
  • Family and household information
  • Current insurance coverage details
  • Communication preferences and history
  • Payment information (when applicable)

2.2 Health Information

For insurance enrollment and consultation purposes, we may collect:

  • Medical history and current health conditions
  • Prescription medications and treatments
  • Healthcare provider information
  • Disability or special needs information
  • Health-related lifestyle factors (smoking, etc.)
  • Previous insurance claims history

2.3 Automatically Collected Information

When you visit our website, we may automatically collect:

  • IP address and browser information
  • Device information and operating system
  • Website usage data and navigation patterns
  • Cookies and similar tracking technologies
  • Referral sources and search terms
  • Date and time of visits

2.4 Communication Data

We collect information related to our communications with you, including:

  • SMS/text message communications and consent records
  • Email correspondence
  • Phone call records and recordings (when applicable)
  • Meeting notes and consultation records

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Insurance Services

  • Evaluate insurance options and provide plan recommendations
  • Complete insurance applications and enrollment processes
  • Communicate with insurance carriers on your behalf
  • Provide ongoing customer support and policy management
  • Assist with claims questions and coverage issues
  • Process policy renewals and changes

3.2 Communication and Marketing

  • Send SMS/text messages with your consent
  • Provide enrollment deadline reminders and notifications
  • Send educational content about health insurance
  • Share information about new insurance products and services
  • Conduct appointment scheduling and confirmations

3.3 Business Operations

  • Comply with insurance licensing and regulatory requirements
  • Maintain records as required by law
  • Improve our website and services
  • Conduct quality assurance and training
  • Prevent fraud and ensure security
  • Analyze business performance and customer satisfaction

4. SMS/Text Messaging Privacy

4.1 Consent and Opt-In

We only send SMS/text messages to individuals who have provided explicit consent. By providing your mobile phone number, you agree to receive text messages from us as described in our Terms and Conditions.

4.2 Message Content

Text messages may include insurance plan information, enrollment deadlines, appointment reminders, policy updates, and educational content about health insurance.

4.3 Opt-Out Rights

You can opt out of receiving text messages at any time by:

  • Replying “STOP” to any text message
  • Texting “UNSUBSCRIBE” to our messaging number
  • Calling us at (602) 908-7198
  • Contacting us through our website

4.4 Data Retention

We retain SMS communication records as required by insurance regulations and business purposes, typically for a period of 5-7 years.

5. Information Sharing and Disclosure

5.1 Insurance Carriers

We share your information with insurance carriers for the purposes of:

  • Processing insurance applications
  • Obtaining coverage quotes and plan information
  • Facilitating enrollment and policy issuance
  • Supporting ongoing customer service needs

5.2 Third-Party Service Providers

We may share your information with trusted third-party service providers who assist us in:

  • Website hosting and maintenance
  • Email and SMS marketing services
  • Customer relationship management systems
  • Document management and storage
  • Analytics and business intelligence

5.3 Legal and Regulatory Requirements

We may disclose your information when required by:

  • State insurance departments and regulatory agencies
  • Federal agencies (CMS, IRS, etc.)
  • Court orders and legal processes
  • Law enforcement investigations
  • Fraud prevention and investigation

5.4 Business Transfers

In the event of a merger, acquisition, or sale of our business, your information may be transferred as part of the business transaction, subject to applicable privacy laws.

6. HIPAA Compliance and Health Information Protection

6.1 HIPAA Business Associate

When we act as a Business Associate under HIPAA, we comply with all applicable HIPAA privacy and security requirements for protecting your health information.

6.2 Minimum Necessary Standard

We limit the use and disclosure of health information to the minimum necessary to accomplish the intended purpose.

6.3 Health Information Rights

You have the right to:

  • Access your health information in our records
  • Request corrections to your health information
  • Request restrictions on use and disclosure
  • Request confidential communications
  • File complaints about our privacy practices

7. Data Security

We implement comprehensive security measures to protect your personal and health information:

7.1 Technical Safeguards

  • Encryption of sensitive data in transit and at rest
  • Secure data transmission protocols (SSL/TLS)
  • Multi-factor authentication systems
  • Regular security assessments and updates
  • Secure backup and disaster recovery procedures

7.2 Administrative Safeguards

  • Employee training on privacy and security
  • Access controls and authorization procedures
  • Privacy and security policies and procedures
  • Incident response and breach notification procedures
  • Regular compliance audits and monitoring

7.3 Physical Safeguards

  • Secure facilities and workstations
  • Controlled access to systems and data
  • Secure disposal of sensitive documents
  • Protection against unauthorized physical access

8. Cookies and Tracking Technologies

8.1 Use of Cookies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and deliver personalized content related to health insurance options.

8.2 Types of Cookies

  • Essential Cookies: Necessary for website functionality and security
  • Analytics Cookies: Help us understand website usage and improve services
  • Marketing Cookies: Used for targeted insurance product advertising
  • Preference Cookies: Remember your settings and insurance preferences

8.3 Cookie Management

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality and your ability to receive personalized insurance recommendations.

9. Third-Party Links and Services

Our website may contain links to insurance carrier websites, government health insurance marketplaces, and other third-party services. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party services you access.

10. Children’s Privacy

Our services are not directed to individuals under the age of 18, except when enrolling children as dependents on family health insurance plans. We do not knowingly collect personal information from children under 18 for marketing purposes.

11. Data Retention

We retain your personal and health information as required by insurance regulations and business needs:

  • Client records: 7 years after last contact or as required by state law
  • Insurance application records: 5-7 years as required by carriers and regulations
  • Communication records: 3-7 years for compliance and customer service
  • Website usage data: 2-3 years for analytics and improvement
  • Health information: As required by HIPAA and applicable laws

12. Your Privacy Rights

You have the following rights regarding your personal information:

12.1 Access and Portability

You may request access to your personal information and receive a copy in a portable format.

12.2 Correction and Updates

You may request corrections to inaccurate or incomplete personal information.

12.3 Deletion

You may request deletion of your personal information, subject to legal and regulatory retention requirements.

12.4 Opt-Out Rights

You may opt out of marketing communications while continuing to receive important policy-related notifications.

12.5 Complaint Rights

You may file complaints with:

  • Our privacy officer
  • State insurance departments
  • Department of Health and Human Services (for HIPAA issues)
  • Federal Trade Commission

13. State-Specific Privacy Rights

13.1 California Privacy Rights (CCPA/CPRA)

California residents have additional rights including:

  • Right to know what personal information is collected
  • Right to delete personal information
  • Right to opt out of the sale of personal information
  • Right to non-discrimination for exercising privacy rights

13.2 Other State Laws

We comply with applicable state privacy laws and will update this policy as new state privacy regulations become effective.

14. Insurance-Specific Disclosures

14.1 Medical Information Bureau (MIB)

Insurance carriers may report information to and request information from MIB, Inc. You have rights under the Fair Credit Reporting Act regarding MIB information.

14.2 Prescription Database Checks

Insurance carriers may access prescription drug databases as part of the underwriting process.

14.3 Fraud Prevention

Information may be shared with insurance industry anti-fraud databases and organizations.

15. International Data Transfers

Your information may be processed and stored in the United States. We ensure appropriate safeguards are in place for any international data transfers in compliance with applicable privacy laws.

16. Updates to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices, insurance regulations, or legal requirements. We will notify you of material changes by:

  • Posting the updated policy on our website
  • Sending email notifications to clients
  • Providing SMS notifications when appropriate
  • Mailing written notices when required by law

17. Contact Information

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

Health Insurance Jedi
Website: https://healthinsurancejedi.com/
Phone: (602) 908-7198
Email: support@healthinsurancejedi.com
Address: 3930 E. University Drive Mesa, AZ 85205

For HIPAA-related complaints:
U.S. Department of Health and Human Services
Office for Civil Rights
Website: https://www.hhs.gov/hipaa/filing-a-complaint/

Last Updated: May 29, 2025

By using our website or 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.