Insurance Products
The Company

Privacy Policy.

This US Health Exchange Privacy Policy discloses the information privacy practices for the website (with the URL www.ushx.com) you are currently visiting.

Throughout the policy, we refer to information that can identify you as a specific individual, such as your name, phone number, email address, Social Security number or credit card number, as “personal information.” Further, personal information includes any information involving your health or medical history We do not sell, trade or give away your personal information to anyone We do not disclose your personal information to third parties, unless one of the following limited exceptions applies. Insurance Companies, Licensed Agents and authorized HSA Trustees or Administrators If you submit an application for an insurance product offered by us, then we will disclose your personal information to your chosen insurance company to process your application. If you submit an application for an insurance product offered through an insurance agent or agency with whom we have associated, then we may disclose your personal information to that agent or agency to process your requested quote or application.

Service Providers.

We may disclose your personal information to other companies that help us process or service your insurance application or correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.

Legal Obligations.

We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes Outside of these exceptions, we will not share your personal information with third parties We collect personal information in the normal course of business in order to process your insurance application and to serve you better.

Registering With Us.

We begin collecting personal information from you when you register with us. You may register with us through our website by entering your email address and, if you are creating an account, choosing your password. Under our current process, you must create an account before starting an application for a health insurance or other product offered on our website. You may also register with us through our Customer Care Center by providing certain personal or contact information (e.g., email address, phone number, gender, date of birth) to one of our customer service representatives.

Providing you with a quote or processing your application.

We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application.

Customer satisfaction, referrals and other products.

US Health Exchange may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below We gather anonymous information about you for our internal purposes, and we may share this anonymous information with third parties Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the number of visitors to our website from a particular state We use anonymous information primarily for marketing purposes and to improve the services we offer you We may use “Cookies”,”Clear Gifs”,”Internet Protocol” addresses and other monitoring technologies to gather anonymous information. For a more detailed discussion on cookies and clear gifs, please see below We protect the confidentiality and security of your personal information We maintain physical, electronic and procedural safeguards to protect your personal information. For a more detailed discussion of the electronic safeguards on our website, please see below We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date If you want to correct or update your contact information, you may contact us by email at customerservice@ushx.com or by mail at Customer Service, US Health Exchange, 9100 NW 36th st Doral FL 33178 Additionally, you may update your name, email address and password by clicking on the “My Account” link on this website and signing in using your email address and password Please note that once your application has been submitted to your chosen health insurance company, you may have to contact the insurance company directly to update your application We will provide notice of changes in our information privacy practices If we are going to use your personal information in a manner different from that stated at the time of collection, we will notify you via email. You will have a choice as to whether or not we use your personal information in this different manner. In addition, if we make any material changes to our information privacy practices that do not affect the personal information already stored in our database, we will post a prominent notice in the privacy portion of our website notifying users of the change You may opt out of receiving satisfaction surveys and/or information on additional products and services from us We may contact you to survey your satisfaction of our service and/or to inform you of additional products and services If you want to opt out of these surveys and/or notices, you may contact us by email at customerservice@ushx.com or by mail at Customer Service, US Health Exchange, 9100 NW 36th st Doral FL 33178 Please note that you will still receive communications from us regarding your insurance quote, application or policy even if you opt out of receiving our surveys and/or notices of additional products and services We are available to answer any questions you may have about our privacy policy or our information privacy practices If you have any questions, please email us at privacy@ushealthexchange.net This privacy policy applies to this website, and may not apply to other websites that are owned and/or operated by US Health Exchange.

The information privacy practices described in this privacy policy apply only to applications initiated on this website. Accordingly, all of the personal information you submit to us after initiating an application on this website shall be governed by this privacy policy. Additionally, all of the anonymous information collected from this website shall be governed by this privacy policy If you are returning to complete an application that you initiated on another website that is owned or operated by US Health Exchange (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 Additional Information About Privacy and Security at US Health Exchange.

Browsers and Internet Security.

Any time you enter or provide personal information in our website, we encrypt it using Secure Socket Layer (“SSL”) technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. US Health Exchange recommends using a strong encryption, 128-bit browser such as Microsoft’s Internet Explorer 4.01 or higher or Netscape Navigator 4.06 or higher. These browsers will activate SSL automatically whenever you begin shopping for plan on our website and when you return to our website to complete an application You can tell if you are visiting a secure area within a website by looking at the symbol on the bottom of your browser screen. If you are using Internet Explorer or Netscape Navigator, you will see either a lock or a key. When the padlock is in the locked position, your session connection is taking place via a secure server If you need a strong encryption browser, you can go to the Microsoft website or the Netscape website to download the latest Internet Explorer or Navigator browser. We do not recommend the use of beta browser versions.

Your Password and Other Security Issues.

The password you enter when you begin an application on our website is your private entry key into your application. You should never share it with anyone. Your password must be between 6-20 digits and/or letters long. If you forget your password, we can send your password through email (provided that you gave us your email address as your user ID when you created an account on our website) or we can help you retrieve your password by calling us at 305-262-1610.

Security Risk of Using Non-Approved Automated Software Applications.

For security reasons to guard the safety of your data, access to this website is limited to SSL-capable browsers such as Microsoft’s Internet Explorer 4.01 or higher or Netscape Navigator 4.06 or higher. Under no circumstance should you use any software, program, application or any other device to access or log-in to the US Health Exchange website, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, website or proprietary software.

Links to Other Websites.

Our website contains links to other websites. Please note that when you click on one of these links you are “clicking” to another website. US Health Exchange LLC is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.

We partner with a third party ad network to either display advertising on our Web site or to manage our advertising on other sites. Our ad network partner uses cookies and Web beacons to collect non-personally identifiable information about your activities on this and other Web sites to provide you targeted advertising based upon your interests. If you wish to not have this information used for the purpose of serving you targeted ads, you may opt-out by clicking here (Link to TRUSTe global opt-out: http://preferences.truste.com/). Please note this does not opt you out of being served advertising. You will continue to receive generic ads.