Health Insurance coverage specifically for you.

Effective Date: October 1, 2024

At Haddad Insurance Group ("we", "us", or "our"), we respect your privacy and are committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit this website and our practices for collecting, using, maintaining, protecting, and disclosing that information.

1. Information We Collect

We collect several types of information from and about users of our Website, including information by which you may be personally identified, such as name, postal address, e-mail address, telephone number, and age ("personal information").

2. Strict "No Sell" Policy

WE DO NOT SELL YOUR DATA. Unlike many lead-generation websites, Haddad Insurance Group is an independent agency, not a data broker. The information you provide is used solely by our licensed agents to generate your specific insurance quote.

3. Communication Preferences

We strictly adhere to the communication preferences you select. If you select "Text Me Only", we will not call you unless you specifically request a call at a later time. By providing your number, you consent to receive SMS messages related to your quote.

4. Data Security

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement.

2. Not a Government Website

This website is owned and operated by Haddad Insurance Group, a private insurance agency. We are not the Health Insurance Marketplace® website used for ACA enrollment (Healthcare.gov). We offer Fixed Indemnity plans underwritten by UnitedHealthcare Life Insurance Company.

3. Plan Descriptions

The materials on this website are provided for general information purposes only. Fixed Indemnity plans are not "Major Medical" insurance and do not satisfy the requirements of "Minimum Essential Coverage" under the Affordable Care Act.

4. User Obligations

You agree to provide accurate, current, and complete information when requesting a quote. You understand that falsifying information (such as age or location) may result in an inaccurate quote or denial of coverage.

5. Limitation of Liability

In no event shall Haddad Insurance Group be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on this website.

Notice of Privacy Practices Regarding Protected Health Information (PHI)

1. Our Commitment to Your Health Privacy

Although Haddad Insurance Group is an insurance agency and not a healthcare provider, we may handle certain Protected Health Information (PHI) in the process of quoting and applying for insurance coverage. We are committed to maintaining the privacy of your PHI in accordance with the Health Insurance Portability and Accountability Act (HIPAA).

2. How We May Use and Disclose Health Information

• For Treatment: We do not provide treatment.
• For Payment: We may use and disclose your PHI to insurance carriers to determine eligibility, facilitate payment of premiums, and process claims.
• For Health Care Operations: We may use your information for general agency operations, such as customer service and internal audits.

3. Your Rights

You have the right to inspect and copy your PHI, request restrictions on certain uses, and request that we communicate with you by alternative means (e.g., "Text Only").

4. Complaints

If you believe your privacy rights have been violated, you may file a complaint with us or with the Secretary of the Department of Health and Human Services. You will not be penalized for filing a complaint.