Privacy Policy
1. Information We Collect
To provide accurate Medicare plan comparisons and insurance quotes, we may collect the following information:
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Personal Identifiers: Name, mailing address, email address, and phone number.
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Health & Demographic Data: Date of birth, gender, and current Medicare enrollment status (e.g., Parts A and B effective dates).
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Technical Data: IP address, browser type, and usage patterns through cookies to improve your experience on medigapmama.com.
2. HIPAA & Protected Health Information (PHI)
While not all interactions on this website trigger HIPAA oversight, we treat your personal and health-related information with the highest level of security.
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Confidentiality: We do not sell, rent, or trade your Protected Health Information (PHI) to third-party marketers.
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Authorized Use: Your health-related data is used solely to determine plan eligibility, provide quotes, or facilitate enrollment with your chosen insurance carrier.
3. Disclosure of Information
We only share your information with third parties in the following circumstances:
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Licensed Agents: To fulfill your request for a quote, your data may be shared with licensed insurance agents affiliated with medigapmama.com.
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Insurance Carriers: When you apply for a plan, your information is transmitted to the carrier for underwriting and enrollment purposes.
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Legal Compliance: We may disclose information if required by law or to comply with CMS (Centers for Medicare & Medicaid Services) regulations.
4. CMS Transparency Disclaimer
In accordance with federal regulations, we provide the following notice:
"We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
5. Data Security
We implement industry-standard encryption (SSL/TLS) to protect your data during transmission. Access to your personal information is restricted to authorized personnel who require that data to provide you with insurance services.
