Your Health Information Privacy Under HIPAA
In compliance with the Health Insurance Portability and Accountability Act of
1996 (HIPAA), we provide privacy protections for your protected health
information as described in our Notice of Privacy Practices. This notice was
previously provided to you. You may obtain an additional copy by writing to us
at: Royal Neighbors of America,
P.O. Box 10851, Clearwater, FL 33757-8851.
Privacy notice to our members
We provide this notice because you have a right to know how we protect the
privacy of the personal information you share with us. We welcome the
opportunity to describe how Royal Neighbors and our affiliates, which include
our chapters, protect your personal information.
What information
do we collect?
We collect personal information needed only to service and administer your
business with us. The type of information that we collect depends on the type
of product or service you request. This includes:
· Information you provide on an application or other form (for example, name,
address, Social Security number, or income)
· Information from credit reporting agencies and information to verify
employment or income
· Information about your past transactions with us
· Medical or health information you permit us to receive from doctors or other
health care Providers
· Information from our affiliates
How do we use and
disclose your information?
· We do not sell information about you
· We do not share your information with anyone else for marketing purposes
· We use your personal information only to help transact the business you have
with us
We use your
information to:
· Underwrite certificates
· Process claims
· Confirm your identity
· Service your certificates with us
Information may be
disclosed to other entities that perform services for us related to our
transactions with you. This includes underwriting, claims, and member services.
Before we disclose your information, these entities must agree to keep it
private. Information may be disclosed to entities with whom we have a joint
marketing agreement that offer products we believe may be of interest to you,
as permitted by law. We may also share information with our affiliates to
provide services and products to you.
We may disclose
information when it is permitted or required by law.
Examples are:
· To accountants or auditors
· In response to a subpoena
· To our attorneys
· To prevent fraud
· To comply with a request from a regulatory agency
We may receive health information
about you. We do not share that health information without your proper written
authorization or as permitted or required by law.
How do we protect the security of your information?
Access to personal information is available only to those people who need to
know it in order to service your business. This includes our employees and
Agents who are trained to abide by our privacy policy. We have physical,
electronic, and procedural safeguards to ensure privacy of your information.
Should your relationship
with us end, we will continue to follow the privacy policies described in this
notice to the extent that we retain information about you. If we no longer need
to retain that information, we will dispose of it in a secure manner.
Commitment to privacy
We will send our members a current privacy policy at least once a year. We are
committed to protecting the privacy of your information. We strive to keep our
records accurate and will make appropriate corrections when you notify us. We
value the trust that you, as a member of Royal Neighbors, have placed in us.