THIS NOTICE DESCRIBES HOW WE MAY ACCESS HEALTH INFORMATION ABOUT YOU AND HOW THAT INFORMATION MAY BE USED. PLEASE REVIEW IT CAREFULLY.
Entities and Individuals Covered by this Notice
Brella Insurance, inc. (“Brella”) offers digitally-based supplemental insurance benefits and health care insurance (the “Company Programs”). For purposes of this notice (this “Notice”), when you apply for or participate in the Company Programs or submit a claim, we refer to this as using our “Health Care Insurance Services.” When you use our Health Care Insurance Services, Brella, its employees, and its other health insurance representatives (“we” or “us”) provide you with health care benefits. This Notice describes the information privacy practices that each of the following people, entities, and sites will follow:
- All departments and units of our organization; and
- Our employees, contractors, and volunteers, including those at regional support offices and affiliates;
These people, entities, and sites may share health information with each other for claims treatment, payment, or health care operations purposes described in this Notice. In addition, we also use and share your information for other reasons as allowed and required by law.
Your employer, doctor and your health care providers may have different practices or notices about their use and sharing of health information in their own offices or clinics. If you have any questions about this Notice, you may contact us in any of the manners described at the end of this Notice. We will gladly explain this Notice to you or your family member, and a copy is always available on our website, which can be printed.
Information Covered by this Notice
We are a “covered entity” under the federal privacy law referred to as the Health Information Portability and Accountability Act of 1996 (“HIPAA”). Regulations under HIPAA explain how we may use and disclose identifiable health information that we collect from and about you and how we must safekeep and secure that information.
Where appropriate for a particular Company Program, we may collect PHI directly from you through questionnaires, our mobile app, as well as other health information that you disclose to us in the Health Care Insurance Services. We receive this PHI to provide you with quality coverage and to comply with certain legal requirements. To ensure that we operate the Health Care Insurance Services efficiently and in an effective manner, or for payment purposes, we may also receive health information about you from other sources in certain cases, like diagnoses from your doctor.
Our Commitment to Your Privacy
We understand that health information about you is private and personal. We are dedicated to maintaining the privacy and integrity of the PHI that we receive from you as part of your application for or participation in the Health Insurance Care Services.
We are required by law to maintain the privacy of your PHI and to provide you with notice of our legal duties and privacy practices related to that information. When we use or disclose your PHI, we are required to abide by the terms of this Notice (or any other Notice in effect at the time of the use or disclosure).
How We May Use and Disclose Protected Health Information About You
We are required to maintain the confidentiality of your PHI, and we have implemented policies, procedures, and other safeguards to help protect your PHI from improper use and disclosure. We protect your PHI in accordance with HIPAA and all other applicable laws and regulations. Where an applicable state law or any other applicable law or regulation requires more protection for your PHI than HIPAA, we comply with that law or regulation as well.
Below, we describe different ways that we may use your PHI amongst ourselves and disclose your PHI to other persons and entities. We have not listed every possible use or disclosure in the list below, but all of the ways that may use and disclose PHI fall within one of the categories below. As we describe below, some uses and disclosures will require your specific authorization.
The amount of PHI that we may legally use or disclose without your written permission will vary based on the circumstances, including the intended purpose of the use or disclosure. Sometimes we may only need to use or disclose a limited amount of PHI, such as to send you a reminder or to confirm your health insurance coverage. At other times, we may need to use or disclose more PHI, such as when a doctor required that information for medical treatment.
The list below includes examples of ways that we may disclose PHI about you without a written authorization from you.
- Disclosure at Your Request. If you ask us to send PHI about you to a third party, such as a friend, family member, employer or health care provider, we will do so if we believe that your request is authentic. We may ask you to prove your identity before we honor this request. We may need up to 60 days to honor a request like this, depending on the data that you would like us to disclose, but in most cases, we can honor this request in 30 or fewer days.
- Our Health Care Operations. We may use and disclose your PHI for our health care operations. Examples of our health care operations include improving the operation of our program, training personnel, and other internal management functions such as legal and audit processes. When we use your PHI for our health care operations, we are required to use only the amount of PHI that is necessary. For example, if we were to evaluate our claims support activity, and the evaluation could be accomplished using only reviews of claim data without identifiers, we would limit the PHI that we use for that evaluation to only anonymous data.
- Health Care Operations of Other Covered Entities. We are also permitted to share PHI about you with other covered entities that have a relationship with you (including, in some circumstances, your employer’s health plan, your health insurer, or health care providers) for their health care operations and to certain companies that provide those covered entities with services as their business associates. For example, we might share PHI about you with an insurance underwriter partner.
- Business Associates. We provide some aspects of our Health Care Insurance Services through contracts with business associates for whom we are legally responsible. Examples of our business associates include companies for secure cloud hosting, management consultants, quality assurance reviewers, accreditation agencies, and billing and collection services. We may disclose your PHI to our business associates so that they can perform the jobs that we have asked them to perform. To protect your PHI, we require our business associates to sign written agreements requiring that they appropriately safeguard your PHI and use it only as we permit.
- Health-Related Products and Services. We may use and disclose your PHI to tell you about our health-related products or services that may be of interest to you.
- Communications with Family and Others When You Are Present. Sometimes a family member or other person involved in your care will be present when we are discussing your PHI with you. We may use your PHI or disclose it to a relative, a close friend, or any other person that you identify when you are present for that disclosure or you are available prior to the disclosure if we obtain your agreement, if we provide you with the opportunity to object to the disclosure and you do not object, or if we reasonably infer that you do not object to the disclosure.
- Threat to Health or Safety. We may use and disclose your PHI when necessary to prevent a serious threat to your health and safety or the health and safety of the public or another person but only to someone who may be able to help prevent that threat, as we determine in good faith.
Additional Special Situations That Do Not Require Your Authorization
The following categories describe some additional circumstances in which we may use or disclose your PHI without your authorization.
- Public Health Activities. We may disclose your PHI for the following public health activities: (1) to prevent or control disease, injury, or disability; (2) to report births and deaths; (3) to report the abuse or neglect of children, elders, and dependent adults; (4) to report reactions to medications or problems with products; (5) to notify people of recalls of products they may be using; (6) to notify people who may have been exposed to a disease or may be at risk for contracting or spreading a disease or condition; and (7) to notify emergency response employees regarding possible exposure to HIV/AIDS, to the extent necessary to comply with state and federal laws.
- Victims of Abuse, Neglect, or Domestic Violence. If we reasonably believe you are a victim of abuse, neglect, or domestic violence, we may disclose your PHI to a governmental authority authorized by law to receive reports of such abuse, neglect, or domestic violence, including a social service or protective services agency.
- Health Oversight Activities. We may disclose your PHI to a health oversight agency for activities authorized by law. One example of a health oversight agency is a state health insurance regulator or Medicaid program. These oversight activities include, for example, audits, investigations, inspections, licensure, and other activities necessary for the government to monitor the health care system, government programs, and compliance with civil rights laws.
- Lawsuits and Other Legal Disputes. We may use and disclose PHI in responding to a court or administrative order, a subpoena, or a discovery request. We may also use and disclose your PHI without your authorization to the extent permitted by law in any other way related to our legal disputes, such as to defend against a lawsuit or in arbitration.
- Law Enforcement Officials. We may disclose your PHI to the police or other law enforcement officials as required or permitted by law, including: (1) in response to a court order, subpoena, warrant, summons, or similar process; (2) to identify or locate a suspect, fugitive, material witness, or missing person; (3) when concerning the victim of a crime if, under certain limited circumstances, we are unable to obtain the person’s agreement; (4) about a death we believe may be the result of criminal conduct; (5) about criminal conduct at Brella; and (6) in emergency circumstances to report a crime, the location of the crime, or victims or to report the identity, description, or location of the person who committed the crime.
- We may disclose your PHI to a coroner or medical examiner as authorized by law.
- Organ and Tissue Donation. We may disclose your PHI to organizations that facilitate organ, eye, or tissue procurement, tissue banking, or transplantation.
- Research that Does Not Involve Your Treatment. When a research study does not involve any treatment, we may disclose your PHI to researchers. To do this, we will either ask your permission to use your PHI or we will use a special process that protects the privacy of your PHI. For example, we are allowed to supply a third-party researcher with a data set in which identifiers about you have been removed, except for complete dates and five-digit zip codes. The researcher, before receiving this data set, must contract with us to limit use of this data set, to safekeep the data set, and to destroy or return the data set when the research concludes.
- Specialized Government Functions. We may use and disclose your PHI to units of the government with special functions, such as the U.S. military or the U.S. Department of State, under certain circumstances. We may use and disclose your PHI to authorized federal officials for intelligence, counterintelligence, and other national security activities authorized by law. We may use and disclose your PHI to authorized federal officials so they may provide protection to the President, to other authorized persons, or to foreign heads of state, or to conduct special investigations.
- Workers’ Compensation. We may disclose your PHI as authorized by and to the extent necessary to comply with state laws relating to workers’ compensation or other similar programs.
- As Required by Law. We may use and disclose your PHI when required to do so by any other law not already referred to in the preceding categories. For example, the Secretary of the Department of Health and Human Services may review our compliance efforts, which may include access to your PHI.
Situations That Do Require Your Authorization
If we need to use your PHI for reasons that have not been described in the sections above, we will obtain your written permission, which is referred to as a written “authorization.” If you authorize us to use or disclose PHI about you, you may revoke that authorization in writing at any time. If you revoke your authorization, we will no longer use or disclose PHI about you for the reasons stated in that written authorization, except to the extent we have already acted in reliance on your authorization, or that the authorization was obtained as a condition of obtaining insurance. Any revocation of an authorization applies only to what you or your representative had authorized and does not apply to the situations above where we are permitted to use or disclose PHI about you without an authorization. You understand that we are unable to take back any disclosures that we have already made with your permission and that we are required to retain our records of the care we provide to you. Examples of typical disclosures that require your authorization include:
- Special Categories of Treatment Information. In most cases, federal or state law requires your written authorization or the written authorization of your representative for disclosures of drug and alcohol abuse treatment, test results for Human Immunodeficiency Virus (HIV) and Acquired Immune Deficiency Syndrome (AIDS), and mental health treatment. If these laws apply to any PHI about you that we maintain, we will comply with them.
- We must obtain your written authorization prior to using your PHI to send you any information that HIPAA defines as marketing information. HIPAA considers communications about a product or service that encourage you to purchase or use that product or service to be marketing when that product or service is not one of the Company's programs or services or when we are paid to communicate about the product or service to you. We may send some types of communications to you that are not part of our Health Care Insurance Services but that are not considered marketing communications for which we would need your prior authorization. We may send these communications to you directly, or one of our business associates may send them for us.
Your Rights Regarding Your PHI
You have the following rights regarding PHI that we maintain about you. You may contact us to obtain additional information and instructions for exercising these rights in any of the manners described at the end of this Notice.
- Right to Request Additional Restrictions. You may request restrictions on our use and disclosure of your PHI for insurance, payment, and health care operations. You may also request restrictions on our use and disclosure of your PHI to relatives, close friends, or other people identified by you and involved with your care or with payment related to your care or to notify or assist in notifying those individuals regarding your location and general condition. This request must be in writing, and we will send you a written response. If we agree with the request, we will comply with your request except to the extent that disclosure has already occurred. While we will consider all requests for additional restrictions carefully, we are not required to agree to a requested restriction.
- Right to Receive Confidential Communications. You may request to receive your PHI by alternative means of communication or at alternative locations. For example, you can request that we only contact you at work or by mail. To request confidential communications, you must make your request in writing. We will not ask you for the reason for your request. We will accommodate all reasonable requests. Your request must specify how or where you wish to be contacted. We note, however, that as our Health Care Insurance Services work best through an online digital platform, a request for alternative communications may negatively impact how you experience the Health Care Insurance Services.
- Inspection and Copies. You have an absolute right to obtain copies of the PHI about you that we collect and use in the normal course of providing the Health Care Insurance Services to you. You do not have a right to obtain copies of PHI in research databases or in data sets that we use to study and improve the quality of our business, to train our employees, or to manage the legal and financial aspects of our business. Typically, we do not use PHI for most of those
- We require that you make any request to obtain a copy of PHI about you in a manner that we can reliably conclude is authentic. You may request a copy of PHI about you in writing on paper, via the messaging feature of your Brella account, via an email where we have the means to confirm your identity, or through contacting email@example.com in a manner that allows our support team to confirm your identity. We issue digital identity credentials to you in connection with your enrollment in any Company Program that allows us to confirm your identity. If you would like your attorney or other legal representative to request PHI about you on your behalf, he or she must request the copy in writing as we have not issued any digital identity credentials to your representatives. We reserve the right to reject an online request as inauthentic.
- Once we receive your authentic request, we will determine if the information that you have requested is easily available to you through your account with us, and we may instruct you how to access it. If providing the requested information entails more work for us, we will have up to 30 days to complete that work, which we may extend by another 30 days if necessary to prepare the data.
- Once we receive your authentic request, we also will discuss with you the form and format in which you would like to receive the information, among those that we offer. For example, we will discuss with you whether you would like the information printed or in a secure spreadsheet. We will also discuss with you how to deliver the information. We are obliged to send PHI securely, and we do not allow the copying of PHI onto mobile storage devices like thumb-drives in order to protect the security of our systems.
- We will provide (or transmit at your request) one copy of your PHI per calendar year at no cost to you. If you request more than one copy per calendar year, we may charge you for copying and mailing/transmission, and we will supply you with an estimate before proceeding.
- Right to Amend Your Records. You have the right to request that we amend PHI that we maintain about you. If you desire to amend your records, you must submit your request in writing, which may include an email or a secure message that we believe is authentically from you. We will comply with your request unless we believe that the information that would be amended is already accurate and complete or other special circumstances apply. If we deny your request, you will be permitted to submit a statement of disagreement for inclusion in your records.
- Right to Addendum. You have the right to add an addendum to your PHI that is maintained in your medical record.
- Right to Receive an Accounting of Disclosures. You can request that we provide you with an “accounting of disclosures,” which summarizes the people and organizations outside of Brella to whom we have disclosed PHI about you (other than other covered entities that have a relationship with you and that have received PHI for permitted purposes as described above in this Notice). You must request any accounting of disclosures in writing and not by phone to ensure that we have written records detailing your request. You may request an accounting of disclosures in writing on paper, via the messaging feature of your Brella account, via an email where we have the means to confirm your identity, or through contacting firstname.lastname@example.org in a manner that allows our support team to confirm your identity. We issue digital identity credentials to you in connection with your enrollment in any Company Program that allows us to confirm your identity. If you would like your attorney or other legal representative to request an accounting of disclosures on your behalf, he or she must request the accounting of disclosures in writing as we have not issued any digital identity credentials to your representatives. We reserve the right to reject an online request as inauthentic. By submitting a written request, you may obtain an accounting of certain disclosures of your PHI made by us during any period of time within the six years preceding the date of your request. Your written request should indicate in which form you would like to receive this list (e.g, on paper or electronically). We will provide (or transmit at your request) one accounting of disclosures per calendar year at no cost to you. If you request more than one accounting of disclosures per calendar year, we may charge you the costs of fulfilling your request, and we will supply you with an estimate before proceeding.
To the extent required by law, when using or disclosing your PHI or when requesting your PHI from another covered entity, we will make reasonable efforts not to use, disclose, or request more than the minimum amount of PHI necessary to accomplish the intended purpose of the use, disclosure, or request, taking into consideration practical and technological limitations.
Changes to this Notice
This Notice describes how we may access health information about you in compliance with HIPAA and how that information may be used in compliance with HIPAA. We may prospectively change the terms of this Notice from time to time, but we may not change this Notice in a way that would violate HIPAA. Changes will apply to PHI that we currently maintain as well as new PHI that we receive after the change occurs. We will post the new Notice on our website. To receive a paper copy of any revised Notice from us, you may contact us in any of the manners described at the end of this Notice.
Concerns or Complaints
If you desire further information about your privacy rights, if you are concerned that we have violated your privacy rights, or if you disagree with a decision that we made about access to your PHI, you may contact our Security Officer in any of the manners described at the end of this Notice. You also may send a written complaint to the U.S. Department of Health and Human Services, Office of Civil Rights, and we can provide you with the office’s current address. We will not take any action against you for filing a complaint.
How to Contact Us
If you would like more information about your privacy rights, please contact Brella by calling (844) 987-1070 and asking to speak with the Security Officer or by emailing email@example.com. Please direct any written requests to Brella at:
Brella Insurance, Inc.
Attn: Security Officer
2093 Philadelphia Pike
Clamont, DE 19703