Privacy Policy

Effective date: Updated March 2021

The Medicare School

Thank you for your interest in The Medicare School. ("The Medicare School," "we," "us," or "our"). This Privacy Policy ("Policy") applies to the following websites owned and operated by "The Medicare School," and our other websites where we post this document as the applicable Privacy Policy, along with any related websites, networks, applications, insurance agent, and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us:

• www.TheMedicareSchool.com
• www.medrecen.com
• www.TheMedicareResourceCenter.com
• www.fiveyearroadmap.com
• www.prinsuco.com

You can learn about our commitment to privacy with this policy, describing how we collect, use, share, and secure the personal information you provide. It also describes your choices regarding the use, access, and correction of your personal information. If you are a California resident, please see our California Privacy Policy, which provides additional details about how we handle your personal information and how you can exercise your rights under the California Consumer Privacy Act.

At the Medicare Schoo, we are strongly committed to protecting your privacy. To serve as your licensed insurance agent, we will ask you to provide us with personal information about you. We use your personal information to help you find and, if you choose to do so, apply for health insurance and other products that may be of interest to you and your family. We only use and disclose your personal information per our policy. Additionally, we use industry-leading technologies to ensure the security and confidentiality of the personal information you provide us. Throughout this 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 about your health or medical history that you may provide us in a health insurance application or any financial or other sensitive personal information that you may provide us in an application to obtain an advanced premium tax credit (or "subsidy") determination from the government. If you provide information directly to one of our partners or any other third party, then your information would be governed by such other party's privacy policy.

If you have questions or concerns regarding our privacy policy or practices, please contact us at [email protected]. If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third-party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request. 

1. We do not disclose your personal information to third parties unless one of the following limited exceptions applies.

Insurance Companies, Licensed Agents and Business Partners, HSA Trustees or Administrators, and Government-run Exchanges and Entities.
If you apply for an insurance product offered by us, we will disclose your personal information to your chosen insurance company to process your application. If you submit a request for information or an application for an insurance product offered through an insurance agent, agency, or other business partners with whom we associate or contract, then we may disclose your personal information to that agent, agency, or business partner to process your request for information or application or to otherwise provide you with information about insurance products (including contacting you by telephone, email, or otherwise to discuss insurance products in which you may be interested). If you complete an enrollment form for a health savings account ("HSA") associated, then we may disclose your personal information to that trustee or administrator to enroll you in an HSA. If you complete an application with us processed through a government-run exchange or other government-run entity, we will disclose your personal information to that government-run exchange or entity. Please be assured that these partners can only use your personal information to process your requested quote, application, or enrollment form and are legally obligated to maintain strict confidentiality.

Service Providers

We may disclose your personal information to other companies that help us process or service any application you begin, process, or submit through us or correspond with you. For example, we may provide your personal information to a service provider to verify your credit card's validity or credit limit. 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.

Employers, Affinity Groups, and Benefits Administrators or Consultants

If you were referred to us by, or use our website or call center in connection with, a current or former employer, affinity group, or other organization with which you may be affiliated (or a benefits administrator or consultant associated with such employer, group or organization), we may disclose your personal information to such employer, group, organization, administrator and/or consultant whether you have enrolled in a plan or not. Please be assured that these parties are only allowed to use your personal information as permitted by applicable law.

Legal Obligations

 In certain situations, The Medicare School may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.

We may also disclose your personal information as required by law to comply with a subpoena or similar legal process. 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, to resolve consumer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request.

Business Transition

If The Medicare School is involved in a merger, acquisition,  or sale of all or a portion of its assets, we will notify you via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Your Consent 

If you provide us an indication of your consent to disclose, share, or use your personal information in connection with a third party, we may disclose, transmit or use your personal information in that manner. For example, if you opt into our social media mailing lists and promotional updates, then we may disclose your relevant personal information to social media platforms where The Medicare Schoo has a corporate account with the purpose of adding you to The Medicare School's social media mailing and promotional update lists. Generally, in such a situation, the social media platforms are not allowed to use your personal information for their own purposes unless you have a direct account on such social media platforms, in which case the social media platforms would handle your personal information per the social media platforms' privacy policies.

Your Requests for Products

If you request to be contacted about any insurance product, request to be contacted by a licensed agent or other representatives, request assistance with enrolling in any insurance product, or make any other request for someone to contact you (such as by filling out an online request form). Our agents or representatives may contact you, or we may disclose your personal information to a third-party insurance agency, insurance agent, and insurance company, or other appropriate entity, so that such entity may contact you about any product in which you indicated interest or may assist you in enrolling in any such product. That entity's privacy policy will govern any additional information you subsequently choose to provide to any third-party entity. We will not sell, trade, or share your personal information with third parties outside of these exceptions.

2. We collect personal information in the normal business course to process your insurance application and 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 connected with an application for health insurance or other products 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.

Applying for Health Insurance and Other Products

If you apply for health insurance or other products through our website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included in your application. This information will be used by your chosen insurance company, agent, HSA trustee or administrator, or government-run exchange or entity to process your application. Additionally, we may ask you to provide us with your credit card, bank information, and social security number, which your chosen insurance company will use or HSA Trustee or Administrator to process your application or collect any fees associated with your application or insurance premiums upon approval of your application. If you apply through us for government health insurance subsidies or health insurance sold through a government-run exchange, we will ask you for personal information, including financial, tax filing, and household information, that we will pass on to government-run site entities responsible for processing such subsidies and applications. 

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 provide you with a quote. For example, emails will be sent to you throughout the application process to inform you of your application status and seek additional information requested as part of the application. We may also use the phone numbers you provide to send you telephone or text messages about your application or account. We may automatically send such messages with an autodialer, an artificial or prerecorded voice, or other automation technology.

Third-Party Data

We may receive information about you from other sources, including publicly available databases or third parties from whom we have obtained data, and combine this data with information we already have about you. This information will help us update, expand and analyze our records, identify new customers, and provide products and services that may be of interest to you. Examples of the types of personal information that may be obtained from public sources or third parties and combined with information we already have about you may include (a) address information from third-party sources to verify your address so we can properly communicate with you and to prevent fraud and/or (b) data about our customers from third parties that are combined with information we already have about you, to create more tailored advertising and products.

Customer Satisfaction, Referrals, and Other Products

Our wholly-owned subsidiaries or we may contact you to survey your satisfaction with 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.

Collection and Use of 3rd Party Personal Information:

You may also provide personal information about other people, such as their name, date of birth, and gender. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided. The third-party may contact us at [email protected] to request that we remove this information from our database.

1. We gather non-directly identifying information about you for our internal purposes, and we may share this non-directly identifying information with third parties.

• As is true of most websites, we may gather certain information automatically or systematically and store it in log files. This information may include aggregated demographic information such as the number of visitors to our website from a particular state or browser information such as browser type, device type, geographic region, IP address, and other non-directly identifying information. We may combine this automatically or systematically collected data with other information we collect about you. We may do this to improve or optimize our services, marketing, analytics, site functionality, service offerings, or other business needs. 
• The strict restrictions we have in place for personal information do not necessarily apply to non-directly identifying information. Because non-directly identifying information is designed to not directly identify individuals, if we change the way we use such information after we have collected it, we may be unable to notify you of such change.
• We use non-directly identifying information primarily for marketing purposes and to improve our websites and the services we offer you, and we may disclose this information to third parties.
• We may use cookies, clear gifs, Internet Protocol or IP addresses, tracking pixels, page tags, and other similar monitoring technologies to gather non-directly identifying information. For a more detailed discussion on cookies and clear gifs, please see below because such technologies are described in this policy for collecting and handling this type of information.

2. We protect the confidentiality and security of your personal information.

• We maintain generally accepted standards for 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.

3. 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.

• Upon request, The Medicare School will provide you with information about whether we hold any of your personal information. If your information changes, or if you otherwise want to correct, update or delete your personal information held by us, you may contact us by email at [email protected] or by mail at Customer Service, The Medicare School, 16750 Hedgecroft Dr. Suite 500, Houston, TX 77060. Additionally, you may update your name, email address, and password by clicking on the "Sign in" or "My Account" link on this website and signing in using your email address and password. We will respond to your request to access within a reasonable timeframe.
• We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
• Please note that once your application has been submitted to your chosen health insurance company or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits), you may have to contact the insurance company or such other party directly to update your application.

4. We will provide notice of changes in our personal information privacy practices.

• If we are going to use your personal information in a manner materially different from that stated at the time of collection, we will notify you via email (sent to the email address specified in your account) or through a notice on the website before the change becoming effective. You will choose whether or not we use your personal information in this different manner.
• If we make any material changes to our personal information privacy practices that do not affect the personal information already stored in our database, we will notify users of the change in the privacy portion of our website. We may not be able to contact you regarding any change in use or disclosure of your non-directly identifying information because the non-directly identifying information is designed to prevent us from being able to do so.

5. 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 with our service and/or inform you of additional products and services.
• If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, you may choose to stop receiving our newsletter or marketing emails by following the unsubscribe instructions included in these emails, accessing the email preferences in your account settings page, or you can contact us at [email protected].
• If you want to opt-out of these surveys and/or notices, you may contact us by email at [email protected] or by mail at Customer Service, The Medicare School, 16750 Hedgecroft Dr. Suite 500, Houston, TX 77060.
• Please note that you will still receive communications from us regarding your insurance quote, application, policy, or advanced premium tax credit, 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 [email protected] We will respond to your question within 30 days.

6. This privacy policy applies to the websites listed above and applies to other websites that are owned and/or operated by The Medicare School.

• The information privacy practices described in this privacy policy apply only to information provided to us through this website and those websites listed above. Accordingly, all of the personal information you submit to us after initiating an application on this website shall be governed by this privacy policy.
• If you are returning to complete an application that you initiated on another website owned or operated by The Medicare School (e.g., a partner co-branded website), this privacy policy may not apply. Please review the website's privacy policy 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 practices described in this website's privacy policy, you may initiate a new application on this website.

Tracking technologies

Our business and marketing partners and our affiliates and/or analytics or service providers use cookies or similar technologies. These technologies are used to analyze trends, administer this and other sites, track users' movements around this site and other sites, customize content on this and other sites and gather information about our user base. We may receive reports based on the use of these technologies by these companies on an individual on an aggregated basis. 

We use cookies on our site for various purposes, such as user authentication, user preferences, shopping experience, and customizing user experiences. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

We use Local Storage, such as HTML 5, to store content information and preferences. Third parties with whom we partner to provide certain features on our site or display advertising based upon your Web browsing activity use Local Storage Objects (LSOs) such as HTML 5 or Flash to collect and store information. Various browsers may offer their own management tools for removing HTML 5 LSOs. To manage Flash LSOs, please click here.

Behavioral Targeting/Re-Targeting/Do-Not-Track

We partner with one or more third-party ad networks to manage and display advertising to visitors on our website and manage and display advertising viewed by visitors on other sites. Our ad network partner(s) may use cookies or similar technologies to collect information about your activities on this and other websites to provide you targeted advertising based upon your interests and browsing patterns. Such activity is often called behavioral targeting or re-targeting, and this may change the ads or other features you see on our website or other websites that you visit. If you wish to not have this information used for the purpose of serving your targeted ads, you may opt-out of specific re-targeting programs by clicking here or for the NAI opt-out site here. These opt-out programs may not be designed to work for all advertising networks or methods. Your browser may also have settings to reduce re-targeting, such as switching to (In)private or incognito browsing mode or a mode that does not accept cookies. Currently, our site does not change its behavior based on receiving your browser's "do-not-track" setting or signal. Please note that opting out of re-targeting does not opt you out of being served advertising. You will continue to receive generic ads instead of tailored ads.

Browsers and Internet Security

Any time you enter or provide personal information and sensitive information (such as credit card number and social security number) on 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. The Medicare School recommends using encryption at least as strong as the 128-bit encryption available in browsers such as recent versions of Microsoft's Internet Explorer or Google's Chrome browser. These browsers will activate SSL automatically whenever you begin shopping for a plan on our website and when you return to our website to complete an application. 

You will see either a locked padlock or a key icon in most browsers to indicate your session connection is taking place via a secure server. This icon indicates you are visiting a secure area within a website. 

If you need a strong encryption browser, you can go to the Microsoft website or the Google website to download the latest Internet Explorer or Chrome browser. We do not recommend the use of beta browser versions. 

However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our website, you can contact us at [email protected].

Your Password and Other Security Issues

When you begin an application on our website, the password you enter is your private entry key into your application. It would be best if you never shared it with anyone. 

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 toll-free at 888-601-6334.

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 recent versions of Microsoft's Internet Explorer or Google's Chrome. Under no circumstance should you use any software, program, application, or any other device to access or log-in to The Medicare School 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. The Medicare School is not responsible for the information privacy practices or the content of such websites. We encourage you to read these linked websites' privacy policies as their information privacy practices may differ from ours.

Blog

Our website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at [email protected]. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Testimonials

We display personal testimonials of satisfied customers on our site in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at [email protected].

Social Media Features and Widgets

Our website includes social media features, such as the Facebook like button and Widgets, such as the share this button or interactive mini-programs at run on our site. These features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third-party or hosted directly on our website. Your interactions with these features and widgets are governed by the privacy policy of the company providing it. 

Contact Us

The Medicare School
16750 Hedgecroft Dr. Suite 500
Houston, TX 77060
[email protected]

This website and its contents are for informational purposes only. Nothing on the website should ever be used as a substitute for professional medical advice. You should always consult with your medical provider regarding diagnosis or treatment for a health condition, including decisions about the correct medication for your condition and prior to undertaking any specific exercise or dietary routine. 

The Medicare School's Medicare website is operated by Premier Insurance Contracts, Inc., a licensed health insurance agency doing business as The Medicare School. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. The Medicare School, The Medicare Resource Center, Five Year Road Map, and Premier Insurance Contracts are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from many insurance companies.