At
Univera Healthcare, we know that your privacy is important to you. And, we respect your privacy when it comes to your personal information and health care. We are committed to protecting your personal information. We will not give out your information to anyone without getting consent from authorized person(s), unless we are permitted to do so by law. Because you are a valued customer, we want you to know the steps we have taken to protect your privacy. This includes how we gather and use your personal information. Our privacy practices apply to all of our past, present and future customers.
When you sign up for health insurance benefits from
Univera Healthcare, you agree to give us access to Personally Identifiable Information for you and those covered under your contract. This agreement allows us to work with doctors, hospitals and other providers to decide what insurance benefits apply and to pay your claims for health care services using your medical records. Medical records and claims are generally used to review treatment and to do quality assurance activities. It also allows us to look at how care is delivered and to carry out programs to improve the quality of care you receive. This information also helps us manage the treatment of diseases to improve our customers' quality of life.
Here are some questions and answers to help you understand our privacy policy.
1. What is Personally Identifiable Information?
It is any information that could be used to identify you. For example, your name, address or identification number.
We collect two types of
Personally Identifiable Information about our customers:
A.
Nonpublic Personal Information - This is information you give us on your enrollment form, claim forms, premium payments and other ways. It includes for example: names, account numbers, e-mail address, type of health care benefits and payment amounts.
B.
Protected Health Information - This is information that you or your health care provider sends to us to process your claim. This includes diagnoses and type of services you receive from your health care provider.
2. How Does Univera Healthcare use your Personally Identifiable Information?
We use this information to administer health care benefits and for our health care operations. For example:
- decide claim payment by asking you and/or your health care provider(s) for necessary information about services, or treatment;
- work with other insurers to decide coverage;
- bill for premiums which may include looking at your claim history;
- answer customer and provider questions about benefits, enrollment and claims;
- monitor quality of care and service to our customers which may include case management, and
- perform utilization and cost containment review activities.
3. Who Has Access To My Personally Identifiable Information?
Authorized employees at
Univera Healthcare may access your information to administer benefits. All of our employees must sign an agreement to follow our Code of Business Conduct that includes our confidentiality policy.
We may work with other companies to help us conduct our business. We are required by law to sign an agreement with these other companies that prohibits them from using or giving out information for any reason other than the purpose of the contract. For example we may contract with:
- benefits management companies for paying claims;
- health care provider groups to assess quality and cost containment;
- print or mail services for customer communications and surveys;
- audit or consulting firms for validating the integrity of our processes; and
- state and federal agencies as required by law.
4. How is my Personally Identifiable Information protected?
It is our policy to keep all information about you confidential. It is so important to us that we take the following steps:
- our employees sign an agreement to follow our Code of Business Conduct;
- we have a privacy oversight committee that reviews our privacy practices;
- we have a security coordinator to detect and prevent security breaches;
- all computer systems that contain personal information have security protections; and
- we check provider offices to ensure that medical records are kept in secure locations.
5. Protecting Children Online - We are committed to protecting the privacy and security of all of our customers, including minors who are enrolled in our insurance plans. Children under the age of 13 can access our Web sites as guests. If they wish to use features on our Web sites, we require that they do so with the permission of their legal guardian. We will not knowingly collect or use any personal information regarding a user under the age of 13 without the consent of a parent or guardian.
If you should have any questions or concerns about this privacy notice please contact:
