Notice of Nondiscrimination

Personally Identifiable (PII) Information Privacy Notice

Consumer Consent Authorization

 

Life Plans+ LLC [hereinafter “Agent“] complies with all applicable civil rights laws and does not discriminate based on race, color, national origin, disability, age or sex. Agent does not exclude people or treat people differently because of race, color, national origin, disability, age or sex. This notice explains how Agent may collect, use and share your information. Information in this statement applies in addition to our normal privacy statement, in accordance with the Affordable Care Act. Agent is legally required to give you this notice and/or make it available for your review by applicable law and our agreement with the federal government. Agent respects your personal information and wants you to fully understand how Agent may use and share your information.

 

 Agent must collect certain information about you, called Personally Identifiable Information (“PII”) in order to help you complete your application for health insurance on the Federally Facilitated Marketplace (“FFM,” also known as an Exchange). PII is information that can be used to identify you or trace your identity. Though not a complete list, these are a few examples of PII:

 · Name

· Address

· Date of birth

· Telephone number

· Social security number

· Household income

· Marital status

· Race or ethnicity

· Credit or debit card numbers

 

Additional details about the meaning of PII are contained in the government’s guidance, OMB Memoranda M-07-16 (issued May 22, 2007)

 

Agent will use only the information that Agent needs to help you obtain health insurance through the FFM and to provide authorized functions approved by the FFM or other services as permitted under applicable law. Though not complete, these are a few of the authorized functions that we may conduct:

· Helping you with your application for insurance

· Answering questions about your eligibility

· Helping you enroll in a qualified health plan

· Helping with filing appeals of eligibility determinations

· Correcting errors in your application

 

Agent may only share your information as described in this notice. Agent may share your information with certain federal or state agencies, the health insurance issuer you select or subcontractors who help Agent provide services to you. Agent must get your permission to share your information for any other purpose not described in this notice.

 

To successfully enroll in a Qualified Health Plan (QHP) or otherwise facilitate your receipt of an Advance Premium Tax Credit (APTC) or Cost-Sharing Reduction (CSR), certain PII may be required. This is voluntary and not mandatory under applicable law; however, if you do not share this information with Agent, you may not be able to enroll in a QHP on the FFM. If an individual chooses not to provide certain PII while enrolling or receiving assistance in enrolling in a QHP on the FFM, the accuracy of an individual’s enrollment in a QHP, or receipt of APTCs or CSRs may be compromised and/or invalidated.

Agent is required to keep your information safe. Agent has developed privacy and security policies Agent must follow to make sure your PII is protected.

Agents, Brokers and other Entities (ABEs) have been granted the legal authority to collect this information by Section 1312(e) of the Affordable Care Act (ACA), which required the Secretary of the U.S. Department of Health and Human Services establish procedures under which ABEs may participate in the Federally-Facilitated Marketplace (or Exchange). ABEs are further permitted by federal regulation (45 C.F.R. 155.220) to enroll individuals in a Qualified Health Plan offered on the Federally-Facilitated Marketplace (or Exchange) and to assist individuals in applying for enrollment, Advance Premium Tax Credits, and Cost-Sharing Reductions to the extent permitted to do so under state law and regulation.

 

            By continuing to use this website,  you acknowledge receipt of this Nondiscrimination and Privacy Notice. You further consent to Agent assisting you in applying for APTCs and/or CSRs. Your further consent to Agent assisting you with enrollment in a QHP. This consent may be revoked at any time by written revocation of consent addressed to Agent.