Privacy Policy

Introduction

Find Health Insurance Solutions LLC, doing business as Cover Health CA ("Cover Health CA," "we," "our," or "us"), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Request health insurance quotes
• Submit a contact form
• Enroll in a health insurance plan
• Subscribe to our newsletter or communications

This information may include:

• Name, address, email address, and phone number
• Date of birth and Social Security Number (for enrollment purposes)
• Health information (as required for insurance applications)
• Financial information (household income for subsidy calculations)

Automatically Collected Information

When you visit our website, we may automatically collect certain information, including:

• IP address and browser type
• Operating system and device information
• Pages viewed and time spent on pages
• Referring website addresses

How We Use Your Information

We use the information we collect to:

• Provide health insurance quotes and enrollment services
• Process and complete health insurance applications
• Communicate with you about your inquiries and services
• Send you important updates about your coverage
• Improve our website and services
• Comply with legal obligations
• Prevent fraud and enhance security

SMS / Text Message Communications

If you provide your mobile number and check the SMS opt-in box on our scheduling form or insurance application, you consent to receive transactional SMS messages from Cover Health CA. The message types include:

• Appointment reminders and confirmations (typically 24 hours and 1 hour before a scheduled appointment)
• Application status updates, including identity-verification requests originating from Covered California
• Service follow-ups and case-handling updates from your assigned agent
• Replies to HELP and STOP keywords

Message frequency varies based on the services you use, typically 1–4 messages per appointment cycle. Standard message and data rates may apply depending on your wireless plan. Reply STOP at any time to opt out, HELP for help, or contact us at [email protected] to revoke consent in writing.

We do not share or sell SMS opt-in data, mobile phone numbers, or SMS-related consent records with third parties for any purpose, including marketing. Opt-in information is used solely to deliver the SMS program described above and is retained internally by Find Health Insurance Solutions LLC dba Cover Health CA.

Consent to receive SMS is not required to use our services or apply for health coverage. You may continue to interact with us by phone or email regardless of whether you opt in to text messages.

Disclosure of Your Information

We may share your information with:

• Insurance Carriers: To obtain quotes and process enrollments
• Covered California: As required for enrollment in state marketplace plans
• Service Providers: Third-party vendors who assist us in operating our website and conducting our business
• Legal Authorities: When required by law or to protect our rights

We will never sell your personal information to third parties for marketing purposes.

HIPAA Compliance

As a licensed insurance agency, we are committed to protecting your health information in accordance with the Health Insurance Portability and Accountability Act (HIPAA). We maintain appropriate physical, electronic, and procedural safeguards to protect your protected health information (PHI).

California Privacy Rights (CCPA)

If you are a California resident, you have specific rights regarding your personal information:

• Right to Know: You can request information about the personal data we collect, use, and share
• Right to Delete: You can request deletion of your personal information
• Right to Opt-Out: You can opt-out of the sale of your personal information (we do not sell personal information)
• Right to Non-Discrimination: You will not receive discriminatory treatment for exercising your privacy rights

To exercise these rights, please contact us at [email protected]

Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• SSL/TLS encryption for data transmission
• Secure data storage with encryption at rest
• Access controls and authentication
• Regular security assessments and updates

While we strive to protect your information, no method of transmission over the Internet is 100% secure.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. You can control cookie preferences through your browser settings. Note that disabling cookies may limit some functionality of our website.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.