Medicare Insurance Plans and Coverage Options

HealthPlanOne, LLC (dba ClearMatch) is a licensed health insurance agency based in Connecticut. In California, Florida, and New York, we operate under the name ClearMatch Insurance Agency (collectively “Company”, “we,” “us,” or “our”). We represent Medicare Advantage (HMO, PPO, PFFS, and PDP) organizations with a Medicare contract.

We own and operate the following websites where we post this Privacy Policy, along with any related websites, networks, applications, insurance agent and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us (collectively, the “Services”):

If you are returning to complete an application that you initiated on another website that is owned or operated by us (e.g., a partner co-branded website), this Privacy Policy may not apply. Please review the privacy policy of the website on which you initiated your application to learn about the information privacy practices that apply to the personal information you submit to us. If you want your personal information to be subject to the information privacy practices described in this website’s Privacy Policy, you may initiate a new application on this website.

To serve as your licensed insurance agent, we require certain personal information from you. This information assists you in finding, and if you so choose, applying for health insurance and other products that may interest you and your family. We will also use your contact information to contact you about our Services. In this regard, we may use phone numbers you provide to send you telephone or text messages about your application or account. These messages may be automatically sent through an autodialer, an artificial or prerecorded voice, or other automation technology.

As we use it in this Privacy Policy, “personal information” means any information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device, such as your name, telephone number, physical address, email address, Social Security number, credit card number, and any information about your health or medical history that you may provide us in a health insurance application or any financial or other sensitive personal information that you may provide us in an application to obtain an advanced premium tax credit (or “subsidy”) determination from the government.

To learn more about why we need your personal information, please refer to the next section.

Through your use of our Services, we collect personal information under the following circumstances and from the following parties:

When you register with us.
In order to register for our Services, we will collect your identifiers (e.g., name, date of birth, email address, address, telephone number) and your online account information (e.g., username, password, and security questions/responses). We collect this information to, among other things, administer your account, contact you about our services, process your insurance application or information request, provide you with a quote, to validate your credentials and authenticate you when you log into our website, and to determine future products and services that may be of interest to you (i.e., account profiling).

We will retain your account information for as long as your account is active or as needed to provide you with our services, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When you register with our business partners.
With your consent, we will collect your identifiers (e.g., name, date of birth, email address, address, telephone number) and your online account information (e.g., username, password, and security questions/responses) from our business partners when you provide it to them on their websites. We will use this information to, among other things, process your insurance application, provide you with a quote, or contact you about our services.

We will retain your information for as long as your account is active or as needed to provide you with our services, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When you apply for or request additional information about health insurance and other products.
When you make the following applications or requests, we will collect or request your identifiers (e.g., name, date of birth, email address, address, telephone number), online account information (e.g., username, password, and security questions/responses), and/or other health information which we may relate to you and any family member who will be included on your application:
- Application for health insurance or other products through our Services;
- Request to be contacted about any type of insurance product;
- Request to be contacted by a licensed insurance agent or other representative;
- Request assistance with enrolling in any type of insurance product or make; or any other request for someone to contact you (such as by filling out an online request form).
We will share the personal information we collect from your application with your chosen third-party insurance agency, licensed insurance agent, insurance company or other appropriate entity, so that they may contact you about any product in which you indicated interest or to assist you in enrolling in any such product. If federal or state law allows you to opt-out of this sharing, please click on our Do Not Sell or Share My Personal Information link or complete our Privacy Rights Form. Any additional information that you subsequently choose to provide to any third-party entity will be governed by that entity’s privacy policy.

We will retain your information for as long as your account is active or as needed to provide you with our services, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When we receive third party data.
We may receive personal information about you from other sources, including publicly available databases or third parties from whom we have obtained data, and combine this data with information we already have about you. This helps us update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you. The types of personal information that may be obtained from public sources or third parties and combined with information we already have about you include: (a) address and other contact information from third party sources for verification purposes and so we can properly communicate with you and to prevent fraud and/or (b) data about our customers from third parties that is combined with information we already have about you, to create more tailored advertising and products.

We will retain your information for as long as your account is active or as needed to provide you with our services, unless we receive a request to delete this information and no exception to your right to deletion applies.
When you contact us.
When you contact our Customer Service department by email or a message through our online webform, we will collect your identifiers (e.g., name, phone number, and email address) and any other information you choose to include in your correspondence. We use this personal information to, among other things, respond to your questions or inquiries, troubleshoot where necessary, and address any issues you may have.

We will retain your information for as long as needed to respond to your questions or inquiries, troubleshoot where necessary, and address any issues you may have, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When you communicate with us by telephone.
When you communicate with us by telephone on a recorded line, with your consent, we will collect your identifiers (e.g., name) and auditory information (e.g., recording of your voice). We do not share this information with any third parties other than our recording provider.

We will retain your information for as long as our relationship is active or as needed to provide you with our services, unless we receive a valid request to opt-out or delete this information and no exception to your right to deletion applies.
When we administer our business-to-business accounts.
If you are a business and communicate with us about an on-going or prospective business relationship, we collect your representatives’ identifiers (business representative name, business email address, business telephone number, business billing, physical address), financial information (payment card number, expiration date, CVV, or bank account number and routing number) (as applicable). We will use your identifiers and financial information (if applicable) to establish our business relationship and services.

We will retain your information for as long as our relationship is active or as needed in relation to our business relationship and services, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When you seek employment with us or become part of our team.
When you seek employment with us, we will collect your personal identifiers (e.g., name, email address, physical address, telephone number) and your professional or employment information (e.g., resume, cover letter, employment history, educational history). We use this personal information to assess and manage your application with us, to communicate with you regarding your candidacy, and as necessary to comply with the law.
When you provide a testimonial.
When you submit a testimonial, we will collect your identifiers (e.g., name) and any information you provide in the testimonial. We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent we may post your testimonial along with your name.

We will retain your information for as long as your testimonial is relevant for our marketing purposes, unless we receive a request to delete this information and no exception to your right to deletion applies.
When you’re subscribed to our marketing communications, including satisfaction surveys.
If you sign up to receive marketing communications from us, we will collect your identifiers (e.g., name) and contact information (e.g., email address) to send you e-mail. We share your identifiers and contact information with our third-party marketing providers who send you marketing emails and/or physical mailers on our behalf.

Our email communications contain tracking technologies to analyze whether a predefined action took place by the recipient, such as opening the communication, in order to better adapt and distribute our communications. You can deactivate tracking by disabling the “display external images” option in your email settings. If you want to opt out of these communications, please refer to the “How you can unsubscribe to our marketing communications“ section below.

We will retain your information for as long as your account is active or as needed to provide you services, unless we receive a valid request to delete this information and no exception to your right to deletion applies.
When you subscribe to our mobile text message marketing.
When you subscribe to our marketing text message program, we will collect your identifiers (e.g., name and telephone number), which will be shared with our third-party text message service provider to facilitate the text message communications with you. We will use this information to communicate with you via text message to provide product and services offerings and account related messages. If you want to opt out of these communications, please refer to the “How you can unsubscribe to our marketing communications” section below.

We will retain your information for as long as our relationship is active or as needed to provide you with our services, unless we receive a request to delete this information and no exception to your right to deletion applies.
When we conduct behavioral targeting/re-targeting.
We partner with one or more third party ad networks to manage and display advertising viewed by visitors on other sites, and updating, enhancing, improving and/or analyzing our records or data. Our ad network partner(s) may use cookies, pixels, web beacons, or similar technologies to collect information about your activities on this and other websites to provide you targeted advertising based upon your interests and browsing patterns. These opt-out programs may not be designed to work for all advertising networks or methods. Your browser may also have settings to reduce re-targeting, such as switching to (In)private or incognito browsing mode or a mode that does not accept cookies.

This activity is often called behavioral targeting or re-targeting, and this may change the ads or other features you see on our website or other websites that you visit. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out of specific re-targeting programs by contacting us at privacy@hpone.com or if you are a California resident, by clicking on our Do Not Sell or Share My Personal Information link or completing our Privacy Rights Form. For more information, please refer to our Cookie Policy.
When we analyze website usage through cookies and other trackers.
Cookies, pixels, and similar tracking technologies are used by us and our business and marketing partners, affiliates, and/or analytics or service providers. These technologies are used in analyzing trends, administering this and other sites, tracking users’ movements around this site and other sites, customizing content on this and other sites, and gathering information about our user base. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. When you visit our website, we use cookies, pixels, web beacons, and other similar tracking technologies to: (i) enable the website to function properly; (ii) track you within the website; (iii) enhance user experience; (iv) conduct analytics to improve the website; (v) prevent fraudulent use of the website; (vi) effectively market to you; and (vii) diagnose and repair technical errors with the website and, in cases of abuse, track and mitigate the abuse. Thus, these tracking technologies might store information about you, your preferences, or your device, such as:
- Usage information: We use cookies to collect information about your interaction with our website and online content, such as pages visited, frequency of access, time spent on each page, and referring website details. We use this information for analytics and marketing purposes.
- Location Information: We use cookies to collect information about your location, which may be determined through your IP address. We use this information to provide website functionality such as finding a store near you. You can adjust your consent to providing location information in your browser settings.
- Device information: We use cookies to collect certain information about the device you use to access the website, such as hardware model, operating system, browser, and device preferences. We use this information for analytics and marketing purposes.

In addition to the specific third-party sharing outlined above, we share personal information in the following general scenarios:

When we engage service providers.
We share your personal information with our service providers that assist us in providing the Services, process or service any application you begin, process or submit through us, or to correspond with you, such as our payment processors, IT support, website, email, and text message marketing providers, data analytics providers, communications providers, cloud and hosting providers, and email providers. These third-party service providers have access to personal information needed to perform their services, but are contractually prohibited from using it other purposes. Further, they must process the personal information in accordance with this Privacy Policy and as permitted by applicable federal or state laws.
When we need to share within our company.
Where necessary, we share your personal information within our Company for legitimate business purposes, to the extent permitted by federal or state laws , in order to efficiently carry out our business.
In the event of a corporate reorganization.
In the event that we enter into, or intend to enter into, a transaction that alters the structure of our organization, such as a reorganization, merger, acquisition, sale, joint venture, assignment, consolidation, transfer, change of control, or other disposition of all or any portion of our assets, we would share your personal information with third parties, including the buyer or target (and their agents and advisors) for the purpose of facilitating and completing the transaction. We will also share your personal information with third parties if we undergo bankruptcy or liquidation, in the course of such proceedings.
When we are legally required to share.
We will share your personal information where we are legally required to do so, such as in response to tax obligations, court orders, law enforcement or legal process, including for national security purposes; to establish, protect, or exercise our legal rights, as required to enforce our terms of use or other contracts; to defend against legal claims or demands; to detect, investigate, prevent, or take action against illegal activities, fraud, or situations involving potential threats to the rights, property, or personal safety of any person; or to comply with the requirements of any applicable federal or state laws.
When you gave your consent.
Apart from the reasons identified above, we may request your permission to share your personal information for a specific purpose. We will notify you and request consent before you provide the personal information or before the personal information you have already provided is shared for such purpose. You may revoke your consent by completing our Privacy Rights Form.
When we share with our marketing partners.
With your consent, we will share your personal information with third-parties with whom we have marketing relationships or with other companies and marketers whose products or services may be of interest to you. Please refer to the section on how we analyze website usage through cookies and other trackers for additional information on sharing of information with marketing cookie providers.

For a Business Purpose.
In the preceding 12 months, we have disclosed the following categories of personal information for a business purpose to the following categories of third parties:
- To our service providers. We have disclosed personal identifiers, internet and other network activity information, and health information to service providers that perform services on our behalf. These service providers include, but may not be limited to, our payment processors, IT support, website, email, and text message marketing providers, data analytics providers, communications providers, cloud and hosting providers, and email providers.
- To our IT support and data analytics provider. We have disclosed internet or other electronic network activity information to our IT support to detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, and to identify and repair website errors that impair functionality. We have also disclosed internet or other electronic network information to our IT support and data analytics provider to maintain, improve, and upgrade Company Services.
- To your chosen insurance company. If you submit an application for an insurance product offered by us, then we have disclosed your identifiers and health information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an licensed insurance agent, agency or other business partner with whom we associate or contract, then we may disclose your identifiers and health information to that agent, agency or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested).
- To our affiliates. If you were referred to us by, or use our website or call center in connection with an affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your identifiers and health information to such group, organization, administrator and/or consultant to provide our services to them. For example, we may inform such group, organization, administrator and/or consultant whether or not you have enrolled in a plan.

For a Sale or Sharing.
- To our advertising partners. We use advertising partners (e.g., Google Ads, Facebook Ads, and Microsoft Ads) on our Websites. These ads services deploy cookies which collect internet and other electronic network activity and share it with the cookie provider. This use of your personal information may be considered a sale under applicable state privacy laws.
  
  For more information, please refer to our Cookie Policy.
- To our marketing partners. We share identifiers, commercial information, and internet and other electronic network activity with marketing partners for advertising purposes.
  
  We also share identifiers and commercial information with marketing partners with whom we have strategic or marketing relationships. Because this sharing is for marketing purposes, it may also be considered a sale under the applicable state privacy laws.

You may opt out of or revoke your consent to this sale or sharing by clicking on our Do Not Sell or Share My Personal Information link or completing our Privacy Rights Form.

Federal or state laws may provide you with specific rights regarding your personal information. This may depend on where you reside as well as the laws that apply to your personal information. This section describes the rights that may be available to you and explains how you may exercise these rights.

Right to Non-Discrimination
You have the right not to receive discriminatory treatment if and when you exercise your privacy rights under the applicable federal and state laws. Unless permitted by federal or state law, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties..
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Right to Access/Know
Under certain federal or state laws, you may have the right to request what personal information we have collected, used, disclosed, and sold about you, subject to certain exceptions.
Right to Deletion
Under certain federal or state laws, you may the right to request the deletion of your personal information that we collect or maintain, subject to certain exceptions. Once we receive your request to delete and confirm your identity, we will delete (and notify any service providers or third parties, who we have shared or sold your personal information to, to delete) your personal information, unless an exception applies under applicable law.
Right to Opt-Out of Sale/Sharing
Under certain federal or state laws, you may have the right to opt-out of the sale or sharing of your personal information to third parties, including for targeted advertising. You may also have the right to opt out of us sharing your personal identifiers with our marketing partners. Please note that we do not have actual knowledge of selling or sharing personal information of minors under the age of sixteen (16) years.

To exercise your federal or state right to opt-out of the sale or sharing of your personal information, by clicking on our Do Not Sell or Share My Personal Information link or completing our Privacy Rights Form.
Right to Correct
Under certain federal or state laws, you may have the right to correct inaccurate personal information that we collect or maintain.
Right to Limit the Use and Disclosure of Sensitive Personal Information
Under certain federal or state laws, you may direct us to limit the processing of your sensitive personal information for specific purposes, such as:
- Goods and Services: Using your personal information in a reasonably expected way to provide the goods or services you requested.
- Service Performance:
- Regulatory Authorizations: As directed by various regulations identifying additional purposes for the usage or disclosure of your sensitive personal information.
Right to Portability
Under certain federal or state laws, you may have the right to request for a copy or to download your personal information in a format that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance. For data portability requests, we will select the format we will use.
Right Against Automated Decision Making
Under certain federal or state laws, you may have the right against a business making decisions about you based solely on an automated process without human input.

For further information concerning how these privacy rights apply to you and your information, please visit the following:

HIPAA	https://www.hhs.gov/hipaa/for-individuals/guidance-materials-for-consumers/index.html
California Privacy Laws	https://oag.ca.gov/privacy/privacy-laws
Colorado Privacy Laws	https://coag.gov/resources/colorado-privacy-act/
Connecticut Privacy Laws	https://portal.ct.gov/AG/Sections/Privacy/The-Connecticut-Data-Privacy-Act
Montana	https://laws.leg.mt.gov/legprd/LAW0210W$BSIV.ActionQuery?P_BILL_NO1=384&P_BLTP_BILL_TYP_CD=SB&Z_ACTION=Find&P_SESS=20231 (effective 1 October 2024)
Oregon	https://olis.oregonlegislature.gov/liz/2023R1/Downloads/MeasureDocument/SB619/Enrolled(effective 1 July 2024)
Texas	https://capitol.texas.gov/BillLookup/Text.aspx?LegSess=88R&Bill=HB4 (effective 1 July 2024)
Utah Privacy Laws	https://le.utah.gov/~2022/bills/static/SB0227.html
Virginia Privacy Laws	https://www.oag.state.va.us/consumer-protection/index.php/tips-info2

To exercise your rights under the applicable federal or state law, you may call toll-free 877-615-4257, email privacy@hpone.com, or use our Privacy Rights Form. For requests submitted, you must provide us with sufficient information that allows us to reasonably verify you are the person about whom we collected the personal information and describe your request with sufficient detail to allow us to properly evaluate and respond to it. We will guide you through the process, asking for information such as name, email address, and phone number, so that we may identify you and process your request. If we are not able to verify your identity for access and deletion requests with the information provided, we may ask you for additional pieces of information.

To opt out of the sale or sharing of your personal information, you may click on our Do Not Sell or Share My Personal Information link or complete our Privacy Rights Form. Federal or state law may allow you to use the opt out preference signal. This is a special feature in your Internet browser which, if activated, will automatically send instructions to us not to sell or share any of your personal information collected online. You can use the opt out preference signal by turning on the signal in your device, platform, or browser settings.

If you are using an authorized agent to submit a privacy rights request, please provide written permission, signed by the consumer, authorizing the agent to submit the request.

You can unsubscribe from our marketing email communications at any time by clicking on the “unsubscribe” link in each email. Meanwhile, you can opt out of our marketing text message program by responding “STOP” (case insensitive) to any of our text messages. Please allow 1 business day for your request to be processed.

Kindly note that we will continue to send you notifications necessary to provide our Services, as well as your requested products and services. Depending on the federal or state law applicable to you, you may be able to opt-out of profiling using our Privacy Request Form.

Your trust and privacy are important to us. We implement and maintain reasonable security measures, such as access controls and encryption, to protect the personal information we collect and maintain. However, no security measure or modality of data transmission over the Internet is 100% secure and we are unable to guarantee the absolute security of the information we collect from you.

We do not knowingly or specifically request or collect personally identifiable information from or about children and do not market specifically to children.

Company reserves the right to change this Privacy Policy at any time. If we make changes, we will post the changes to this page, and will indicate the date the changes go into effect. We encourage you to review our Privacy Policy to stay informed. If we make changes that materially affect your privacy rights, we will notify you via email and/or by prominently posting notice on the Services and obtain your consent, if required.

Our Privacy Policy applies only to Company and not to other companies’ or organizations’ sites to which we link or to which you otherwise provide your information during your relationship with us.

Category	Examples	Collected
A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.	YES
B. Personal Information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some Personal Information included in this category may overlap with other categories.	YES
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	YES
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	NO
E. Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	NO
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.	NO
G. Geolocation data.	Physical location or movements.	NO
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.	NO
I. Professional or employment-related information.	Current or past job history or performance evaluations.	YES
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO
K. Inferences drawn from other Personal Information.	Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	NO

State	License No.
Alabama	261868
Alaska	54870
Arizona	8726976
Arkansas	100102773
California	0F30784
Colorado	265376
Connecticut	2252528
Delaware	1041791
DC	2834747
Florida	L003887
Georgia	116599
Hawaii	376496
Idaho	138711
Illinois	100285664
Indiana	38132
Iowa	1001003423
Kansas	204098658-0
Kentucky	DOI-633199
Louisiana	332815
Maine	AGN150231
Maryland	99952580
Massachusetts	1886488
Michigan	78548
Minnesota	40040992
Mississippi	15005672
Missouri	8021494
Montana	706334
Nebraska	100173380
Nevada	498885
New Hampshire	2001232
New Jersey	1067556
New Mexico	1800005445
New York	LA-1024797
North Carolina	1000001822
North Dakota	20295112
Ohio	34232
Oklahoma	100100439
Oregon	100167999
Pennsylvania	457075
Rhode Island	2044085
South Carolina	1905753648
South Dakota	10003612
Tennessee	3557
Texas	1381772
Utah	263678
Vermont	725449
Virginia	102990
Washington	720222
West Virginia	100109397
Wisconsin	100195816
Wyoming	164505

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