Privacy Policy

Privacy Policy

Vantage Benefits Administrators
Vantage Benefits is a service mark of Vantage Benefits Administrators (VBA). VBA strongly believes in protecting the confidentiality and security of information we collect about individuals. We respect your privacy, and we are committed to protecting it. Our information practices for this web site are described below. You should review this Privacy Policy regularly as it may change at any time at our sole discretion.

Our Policy
This privacy statement applies to the www.Vantagebenefits.com website. It does not apply to any sites linked to our site. To learn about the privacy policy of a linked site, please refer to the privacy statement for that site.

Our Website
You can browse our website without telling us any personal information. You also may be able to set your browser to reject cookies. If you do that, the website may be less functional for you. To learn more about cookies, please read About Cookies and Pixel Tags.

There are times where you may choose to give us personal information about you. For example, you may ask that a representative call you, or you may request a quote for one of our products or services. We need certain information from you so we can respond to your request. Many of our customers register for online access to their personal account information. We need information from you to register you, and verify your identity to allow this access.

INFORMATION WE COLLECT

Personal Information
We collect Personal Information that you give us, for example, to:

  • request a call from a Service Representative
  • register for a service on this website
  • instruct us to perform a transaction, if you are a registered customer

This information commonly includes your name, address, email address, telephone number, and if applicable, your account number. Our website has security safeguards that are designed to protect the security of any personal information that you decide to give us via the Internet.

How information is used
We use Personal Information collected on our website in several ways:

  • to respond to your request for a call, referral, quote, or service
  • to process transactions you request
  • to tell you about products or services we offer

When is Information Disclosed
We will not disclose your Personal Information to non-Vantage Benefits Administrators companies to allow them to offer their products to you. We will disclose information collected on this site to the appropriate Vantage Benefits Administrators representative to respond to your request or tell you about a product or service offered. We may disclose it to third parties as required or permitted by law. For example, we may disclose information:

  • to regulators
  • o help us prevent fraud, money laundering, terrorism and other crimes by verifying what we know about you.
  • to law enforcement authorities who subpoena it, or
  • to vendors who we may contract with from time to time for services.

Alternatives to the Internet
We only collect the Personal Information you voluntarily give us. If you don’t want to give us this information via the Internet, you may call the following for service:

  • 1-888-581-9787, or
  • Your Local Vantage Benefits Representative

Email
We may from time to time, send you email describing our products and services. If you do not wish to receive emailed marketing messages from us, please send us an email to clientservices@Vantagebenefits.com. The address from which you email us will be removed from all future email-marketing messages.

Children’s Privacy
This website is not directed toward children. We do not knowingly collect or post information from children under the age of thirteen. You can learn more about children’s privacy and the Children’s Online Privacy Protection Act (COPPA) at the Federal Trade Commission’s website at http://www.ftc.gov/bcp/online/edcams/kidsprivacy/index.html.

Privacy Policy Effective
This privacy statement is effective as of July 01, 2006. We reserve the right to change this statement. If we change it, we will post the current privacy statement on this page. Any changes to this statement will be effective as of the day they are posted.

Contact Us
It is important for us to know what visitors have to say about our website. To contact us with your questions or comments please call 1-800-337-8005 or email clientservices@Vantagebenefits.com.


HIPPA PRIVACY

FEDERAL HIPAA NOTICE OF PRIVACY PRACTICES FOR PROTECTED HEALTH INFORMATION

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN ACCESS THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

"We" refers to Vantage Benefits AdministratorsTM (VBA) in its capacity as a broker and/or Administrator of Medical and Long Term Care insurance policies. "You" or "yours" refers to any individual covered by any Health Care insurance policy.

Federal law means the Health Insurance Portability and Accountability Act and related privacy rules -- requires VBA to keep your health information private. We are not allowed to use or disclose it unless we receive your permission or unless permitted by law. Federal law requires us to give you this Notice of our legal duties and privacy practices. This Notice is to inform you of uses and disclosures of your health information that we may make. It also informs you of your rights and our duties with regard to this health information.

We must follow the terms of this Notice. We do reserve the right to change the terms of this Notice and make the new Notice provisions apply to all the health information we keep. This includes health information we had prior to any change in this Notice. We must promptly change this Notice when there is a material change to our uses or disclosures, your rights, our duties and other related circumstances. We will mail you any such revised Notice, unless you have agreed to receive Notices electronically. To receive such Notices by E-mail, you should notify the contact listed at the end of this Notice.

USE AND DISCLOSURE OF PROTECTED HEALTH INFORMATION
Federal law permits us to use and disclose protected health information for purposes of treatment, payment and health care operations as those terms are defined under federal law. As an insurer, we do not provide treatment, but we may use and disclose protected health information for payment purposes, such as in connection with the payment of an insurance claim. We may also use and disclose protected health information for our health care operations such as when we decide to give you insurance or when we renew or replace your insurance. We will also comply with any state or federal law that is more restrictive as to our uses and disclosures of protected health information.

There are also times when federal law permits or requires us to use or disclose your information without your written permission.

Additionally, where appropriate, we may disclose protected health information to a group health plan or plan sponsor in accordance with federal law.

Permitted Disclosures:
We may not make all of the uses and disclosures listed here, but federal law permits use or disclosure of your information without your permission when:

  • We disclose your information to you.
  • To third party non-Vantage Benefits Administrators business associates that perform services for us or on our behalf, such as vendors.
  • Where disclosure is required by law.
  • To a public health authority authorized by law to collect or receive your information to prevent or control disease, injury or disability or when reviewing reports of child abuse or for the conduct of other authorized public health activities and responsibilities.
  • To a health oversight agency for such activities.
  • For judicial and administrative proceedings.
  • To a law enforcement official for a law enforcement purpose.
  • To a medical examiner for the purpose of identifying a deceased person, determining the cause of death, or other duties authorized by law.
  • To organ donor organizations in order to aid in such donations.
  • For certain research purposes authorized by and subject to federal law.
  • To avert a serious threat to health or safety.
  • To government officials regarding military personnel and certain domestic and foreign government officials for certain functions authorized by federal law.
  • To comply with workers' compensation and other similar programs.
  • To make certain marketing communications and for certain fundraising purposes.

Required Disclosures
We are required to disclose your information when required by the Secretary of the Department of Health and Human Services to make sure we comply with federal law.

We are also required, with certain exceptions, to provide you with access to inspect and obtain a copy of your information that we keep. See "Your Right To Inspect and Copy Protected Health Information" below.

NEED FOR AUTHORIZATION:
We will not make any uses or disclosures other than those mentioned above without your permission. You may withdraw such permission in writing. Your withdrawal will not be effective 1) if we took action relying on your permission before it was withdrawn, or 2) if we obtained your permission as a condition of issuing you insurance and the law allows us to contest a claim under the policy or the policy itself. To withdraw your authorization, please write the contact listed at the end of this Notice. If you wish additional information, you should write to the contact listed at the end of this Notice.

I NDIVIDUAL RIGHTS WITH RESPECT TO YOUR PROTECTED HEALTH INFORMATION
FEDERAL LAW PROVIDES YOU WITH THE RIGHT TO REQUEST RESTRICTIONS: You have the right to request that restrictions be placed on certain uses and disclosures of your information. We are not required to agree. If we do agree, we may not use or disclose any of your information except where you need emergency treatment. We may end an agreement to restrict as allowed by federal law. If you wish additional information, you should write to the contact listed at the end of this Notice.

FEDERAL LAW PROVIDES YOU WITH THE RIGHT TO ALTERNATIVE CONFIDENTIAL COMMUNICATION OF PROTECTED HEALTH INFORMATION: If you choose to have your information sent to you by a means of your choice or to an address of your choice, we will do so if the request is reasonable. You must clearly state that disclosure of all or any part of your information could endanger you if not sent per your choice. Any such request should be sent in writing to the contact listed at the end of this Notice. If you wish additional information, you should write to the contact listed at the end of this Notice.

FEDERAL LAW PROVIDES YOU WITH THE RIGHT TO INSPECT AND COPY PROTECTED HEALTH INFORMATION: You have the right to inspect and copy your information, except for any psychotherapy notes, certain information relating to civil, criminal, or administrative proceedings, and certain information prohibited by law from disclosure. We are allowed by law to deny access in some cases, and subject to certain procedures. Any request should be sent in writing to the contact listed at the end of this Notice. If you wish additional information, you should write to the contact listed at the end of this Notice.

FEDERAL LAW PROVIDES YOU WITH THE RIGHT TO AMEND PROTECTED HEALTH INFORMATION: You have the right to request that we amend your information kept in our records. We are allowed to deny your request if we did not create the information in the record. We will review your request and respond to you in writing. All requests should be in writing and sent to the contact listed at the end of this Notice. All requests should provide needed details, including your name, address, insurance policy number, and the reason you think your information needs to be changed. If you wish additional information, you should write to the contact listed at the end of this Notice.

FEDERAL LAW PROVIDES YOU WITH THE RIGHT TO AN ACCOUNTING: You have the right to receive an accounting from us of disclosures of your information made for up to the six (6) years prior to your request. This right does not apply to: disclosures made to carry out treatment, payment, or health care operations; disclosures made with your permission; disclosures made for police purposes; disclosures allowed by law; or disclosures made before April 14, 2003. Any request should be sent to the contact listed at the end of this Notice. If you wish additional information, you should write to the contact listed at the end of this Notice.

FEDERAL LAW PROVIDES YOU WITH THE RIGHT TO A PAPER COPY OF THIS NOTICE: You have the right, even if you have agreed to receive notice by E-mail, to get a paper copy of this Notice. All requests should be in writing and sent to the contact listed at the end of this Notice.

FEDERAL LAW PROVIDES YOU WITH THE RIGHT TO FILE A COMPLAINT. If you believe your privacy rights have been violated, you have the right to complain to us by writing to the contact listed at the end of this Notice or to the federal Secretary of the Department of Health and Human Services, Hubert H. Humphrey Building, 200 Independence Avenue, Washington, DC 20201. Federal law prohibits retaliation against you for filing such a complaint. The contact listed at the end of this Notice is also available to provide you information regarding questions you have or other information concerning this Notice.

WHEN YOU CONTACT US IN WRITING, YOU SHOULD INCLUDE YOUR NAME, ADDRESS, AND POLICY NUMBER

ADDRESS YOUR QUESTIONS TO:

Vantage Benefits Administrators
Privacy Contact
Health Care Customer Service Center
PO Box 2530
Temecula, CA 92593-2530

Telephone Number: 800-337-8005

The effective date of this notice is July 2006.