Office Hours
9:00 AM - 7:00 PM
Our Location
Tampa, Florida, 33637
Call Us Now
844-816-0817
Privacy Policy
1. Introduction
HNH Operations ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website at hnhoperations.org and related services (collectively, the "Services").
2. Information We Collect
We collect personal and non-personal information to provide you with insurance quotes and services.
Personal information you provide directly:
Contact information: Name, address, email address, and telephone number.
Personal details: Date of birth, gender, marital status, and driver's license number.
Financial information: Credit history, income, bank account number, and payment details.
Health and sensitive information: Medical history, health information, or other sensitive data needed for underwriting specific insurance policies (only with your explicit consent).
Other information: Details for your insurance application, such as vehicle information, employment status, or property details.
Information we collect automatically:
Usage information: We collect data about your interactions with our website, such as IP addresses, browsing history, and how you use the Services.
Cookies and tracking technologies: We and our vendors use cookies, pixel tags, and web beacons to enhance your experience, track website activity, and deliver targeted advertising.
Information from third parties:
We may obtain information from third parties, such as consumer reporting agencies, medical providers, or other partners, to evaluate your application and prevent fraud.
3. How We Use Your Information
We use your information for several business purposes, including:
Providing services: To generate insurance quotes, process applications, and service your policy.
Communication: To contact you about your quote, policy, and other relevant information.
Marketing: To send you marketing communications and to personalize your website experience.
Security and fraud prevention: To protect against fraudulent or criminal activity and to secure our network.
Compliance: To comply with legal requirements and regulatory obligations, such as the GLBA and state laws.
4. How We Share Your Information
We only disclose your personal information as permitted or required by law. This may include sharing your information with:
Affiliates and partners: Other companies within our corporate family or with business partners who help us provide services.
Service providers: Third-party vendors who assist with website operations, payments, and marketing.
Legal and regulatory authorities: We may disclose your information to law enforcement or regulatory agencies when required by law or to protect our legal rights.
Successors: In the event of a merger, acquisition, or other business transaction, your information may be transferred to the acquiring entity.
5. Your Privacy Rights
Depending on your location, you may have specific rights regarding your personal information.
Access and Correction: You may have the right to request access to and correction of the personal information we hold about you.
Deletion: You may request the deletion of your personal information, subject to certain exceptions.
Opt-Out: You can opt-out of receiving marketing communications by following the unsubscribe instructions in our emails.
State-specific rights: Residents of certain states, such as California, may have additional rights under laws like the CCPA.
6. Data Security
We employ appropriate administrative, technical, and physical safeguards to protect the personal information we collect and process. While we take reasonable measures, no internet transmission can be guaranteed to be 100% secure.
7. Children's Privacy
Our Services are not intended for children under 13, and we do not knowingly collect information from them.
8. Changes to this Privacy Policy
We reserve the right to update this policy periodically. We will notify you of any material changes by posting the new policy on our website.
9. Contact Us
If you have questions about this Privacy Policy, please contact us at:
www.hnhoperations.org
Frequently Asked Questions
How can I choose the right health insurance plan for me?
There are a few factors to consider when choosing a health insurance plan, such as your budget, health needs, and desired level of coverage. You will be assisted by a licensed agent whom will take into account the network of doctors and hospitals that the plan covers.
When can I enroll in health insurance?
When it comes to enrolling in health insurance, you can generally do so during one of two periods:
1. Open Enrollment Period: This is the main time each year when anyone can sign up for a new plan, typically running from November 1 to January 15.
2. Special Enrollment Period (SEP): This is a specific window of time you get if you've had a major life event, such as losing your job, getting married, having a baby, or moving. This period usually lasts for 60 days after the event.
You can also enroll in Medicaid or the Children's Health Insurance Program (CHIP) at any time throughout the year if you qualify based on your income.
3. The Medicare Annual Enrollment Period (AEP) is a yearly window from October 15 to December 7 when people with Medicare can change their health and prescription drug plans. This is the time to switch between Original Medicare and a Medicare Advantage Plan or to change Part D drug plans. Any changes made during this period will go into effect on January 1 of the next year.
What is a copay?
A copay (or copayment) is a fixed dollar amount you pay for a covered healthcare service, such as a doctor's visit or a prescription. Unlike coinsurance, which is a percentage, a copay is a set fee that you usually pay at the time of service. It's a form of cost-sharing that makes your out-of-pocket costs predictable.
What are the different types of health insurance plans?
There are many different types of health insurance plans available, including:
HMOs: Health maintenance organizations (HMOs) provide healthcare services through a network of doctors and hospitals. You typically have a lower monthly premium but may have less choice of providers.
PPOs: Preferred provider organizations (PPOs) allow you to see any doctor or hospital you choose, but you will pay more for out-of-network services.
EPOs: Exclusive provider organizations (EPOs) are similar to HMOs, but they offer a larger network of providers.
POSs: Point-of-service (POS) plans combine features of HMOs and PPOs. You have more flexibility than an HMO but pay more for out-of-network services than a PPO.
Why do I need health insurance?
You need health insurance primarily for financial protection and access to care. It shields you from the potentially bankrupting costs of a major illness or accident and caps your annual medical spending with an out-of-pocket maximum. Additionally, health insurance provides access to a network of doctors and covers essential preventive services and routine check-ups, helping you stay healthy and catch issues early.
What is coinsurance?
Coinsurance is the portion of a covered medical bill you are responsible for paying, calculated as a percentage. It typically applies after your annual deductible has been met. For example, with a 20% coinsurance, you pay 20% of the bill, and your insurance company pays the remaining 80%. This is different from a copay, which is a fixed dollar amount.
We do not offer every plan available in your area. Currently, we represent 8 organizations which offer 75 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options. This is a proprietary website and is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services. This site contains decision-support content and information about Medicare, services related to Medicare and services for people with Medicare. If you would like to find more information about the Medicare program please visit the Official U.S. Government Site for People with Medicare located at http://www.medicare.gov
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