ACA Privacy Notice Statement

H.G.I.D., INC.

HORST INSURANCE

WHY DID YOU GIVE ME THIS NOTICE?

This Privacy Notice Statement sets forth information H.G.I.D., Inc. is legally required by federal and/or state law to provide to you before we collect Personally Identifiable Information (“PII”) from you.  Please read this notice carefully, and contact your agent to discuss any questions or concerns.

WHAT INFORMATION WILL YOU ASK ME TO PROVIDE?

H.G.I.D., Inc. will need to collect certain information about you, including PII, for exchange-related and other permitted purposes, including for purposes of providing you with information regarding your health insurance coverage options, and your eligibility for Insurance Affordability Programs.  PII is information which can be used, either on its own or in conjunction with other information, to identify you or trace your identity.  The following types of information are examples of PII:

This is not a complete list.

HOW WILL YOU USE MY INFORMATION

H.G.I.D., Inc. will use only the information we need to perform Authorized Functions approved by the Federally-Facilitated Exchange” or to provide other services as permitted under applicable law.

Following are a few of the Authorized Functions we may conduct , or services we may provide:

This is not a complete list.

WILL YOU SHARE MY INFORMATION WITH ANYONE?

We may only share your information as described in this notice.  We may share your information with certain Federal and/or State agencies, health insurance issuers, subcontractors who help us to provide services to you, and /or your authorized or legal representative.  We are required to obtain your permission in order to share your information for any purpose which is not described in this notice.

IS THE REQUEST TO COLLECT PII MANDATORY OR VOLUNTARY?

Your decision to provide your information is voluntary.  We are required to obtain your authorization prior to collecting, creating, disclosing, accessing, disclosing, maintaining, storing or using your PII.  Your authorization may be revoked by you or your legal or authorized representative at any time.  Neither you, nor your legal or authorized representative, are required to provide more information than you choose to provide.

CAN I AMEND, CORRECT, SUBSTITUTE OR DELETE PII? 

You, and/or your legal or authorized representative, have the right to access your PII, and to request amendment, correction, substitution, or deletion of PII that we maintain and/or store if you believe the PII is not accurate, timely, complete, relevant or necessary to accomplish an exchange-related function, except where the information questioned originated from other sources, in which case you should will need to contact the originating source.

WHAT HAPPENS IF I DECLINE TO PROVIDE THE REQUESTED INFORMATION? 

You have the right to refuse to provide PII, or to limit the PII you provide, to us. However, if you do not provide your PII, or limit the amount of PII you provide, we may be unable to successfully enroll you in a Qualified Health Plan or otherwise assist in facilitating your receipt of Advance Premium Tax Credits or Cost-Sharing Reductions. In such case, we may refer you or your legal or authorized representative to another person or entity who may be able to help you, as well as to the call center for the Federally-Facilitated Exchange.

UNDER WHAT LEGAL AUTHORITY ARE YOU PERMITTED TO COLLECT MY PII?

Both Federal and/or State laws and regulations permit us to collect PII for the reasons referenced above. Federal laws and regulations include Section 1411(g) of the Patient Protection and Affordable Care Act (42 U.S.C. 18081(g) and 45 C.F.R. 155.260) and 45 C.F.R. 155.220.

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.

WHO TO CONTACT REGARDING PRIVACY MATTERS

You can contact the Vice President – Personal Lines/Client Services/Operations, by phone at 800-533-2011, by fax at 717-581-9812, by email to InsurancePrivacy@HorstInsurance.com or by mail addressed to Horst Insurance, Privacy Manager, P.O. Box 3320, 320 Granite Run Drive, Lancaster, PA 17604-3320.

Please include your name and policy number in any correspondence to us.