MultiQuote Insurance LLC takes privacy for visitors to our websites at www.mqins.com, www.iowahealthinsurance.biz, www.michiganhealthinsurance.biz, & www.ohiohealthinsurance.biz very seriously.  It is the policy of MultiQuote Insurance to protect the nonpublic, personally identifiable information of our customers and to keep this information secure and confidential.  The following explanation is provided to help our website visitors understand what information is gathered through our site and how that information is handled and used once it is gathered.

Public Access Pages

Website Visitorship Data

To help us improve the content and services of our website, MultiQuote Insurance gathers data from each site visit. This data allows us to determine how many people visit our website, when they visit, what pages they visit, how long they stay, and the website from which they connected to our website.  We do not collect nonpublic, personally identifiable information from visits to our Public Access Pages. 

Hyperlinks

Internet Privacy Notice Changes

From time to time, Prall Insurance may make changes to this notice.  Visitors should revisit this notice periodically to learn of any change in our Internet privacy policy.

Quote Request Application Privacy

Information submitted to MultiQuote Insurance LLC in the request for an insurance quote is kept strictly confidential and is not sold or disclosed to any other party outside of MultiQuote Insurance.

How To Contact Us

If you have questions or concerns regarding MultiQuote Insurance's Privacy Notice, you may contact us using the following methods: 

Email: multiquote@mqins.com
Phone: 800-593-2235
Mail: 1237 Ave H Fort Madison, Iowa 52627

Effective November 1, 2003

This Notice Describes How Medical Information About You May Be Used and Disclosed and How You Can Get Access to This Information.  Please Review It Carefully.

MultiQuote Insurance is committed to protecting the confidentiality and security of information it collects about you and does not share information about you with any other companies for their use in marketing products to you.  If the practices described in this Notice are acceptable to you, there is nothing you need to do. 

You have received this notice because of your proposed or actual health insurance coverage with one of our companies.  MultiQuote Insurance is required by federal law to maintain the privacy of your Protected Health Information (“PHI”), and to provide you with this notice of its legal duties and privacy practices regarding your PHI.  Our companies are required to abide by the terms of this notice as currently in effect, and reserves the right to change the terms of this notice and to make new notice provisions effective for all PHI that it maintains.  Notice of any such changes will be provided

to you.

1. Protected Health Information (“PHI”): 

This notice describes how our companies may use and disclose your PHI if needed, to carry out treatment, payment or health care operations, and for other purposes that are permitted or required by law.  It also describes your rights to access and control your PHI, which is individually identifiable information that relates to your past, present or future health or condition and related health care services.  Examples of PHI used by our companies include, but are not limited to, your application for coverage and claims submitted by you or health care providers on your behalf.

2. Uses and Disclosures of PHI for Treatment, Payment and Health Care Operations: 

Your PHI may be used and disclosed by our companies for purposes of payment or health care operations.  Our companies may use or share your PHI with providers for payment purposes.  Our companies may share your PHI with third party “business associates” that perform various functions for the Company.  Our companies maintains written agreements with its business associates contractually binding them to protect the privacy of your PHI.  They may use or disclose, as needed, your PHI to support the Company’s business activities related to providing health insurance benefits.  These activities may include, but are not limited to, quality assessment, underwriting, premium rating, actuarial analysis, reinsurance, medical review, legal services, auditing, fraud and abuse detection, regulatory compliance, business planning and development, and general management and administration.

3. Other Permitted and Required Uses and Disclosures That May Be Made Without Your Consent, Authorization or Opportunity to Object: 

Required by Law:  Our companies may use or disclose your PHI to the extent state or federal law requires use or disclosure.  Any use or disclosure will be compliant with applicable law, and will be limited to the requirements of such law.  The company will notify you of the uses or disclosures if the law requires such notification.

Public Health:  Our companies may disclose our PHI to a public health authority for public health activities and purposes if applicable law permits the authority to collect or receive the information.  The company also may disclose your PHI, when directed by a public health authority, to a foreign government agency that is collaborating with such authority.

Health Oversight:  The companies may disclose PHI to a health oversight agency for activities authorized by state or federal law, such as audits and investigations.

Abuse or Neglect:  The companies may disclose your PHI to a public health authority that is authorized by law to receive reports of child abuse or neglect.  Furthermore, Celtic may disclose your PHI to the governmental entity authorized to receive such information, in accordance with state or federal law, if the Company reasonably believes that you have been a victim of abuse, neglect or domestic violence.

Legal Proceedings:  Our companies may disclose PHI in the course of judicial or administrative proceedings, in response to a court order or administrative tribunal, to the extent such disclosure is expressly authorized, and in response to a subpoena, discovery request, or other lawful purpose.

Military Activity and National Security:  The companies may use or disclose PHI of individuals who are Armed Forces personnel (1) for activities deemed necessary by appropriate military command authorities; (2) for the purpose of a determination by the Department of Veterans Affairs of your eligibility for benefits; or (3) to a foreign military authority if you are a member of that foreign military.  The companies also may disclose your PHI to authorized federal officials for conducting national security and intelligence activities.

4. Other Permitted or Required Uses and Disclosures That May Be Made With Your Consent, Authorization, or Opportunity to Object: 

EOBs Sent to Primary Insured:  Unless you object and instruct otherwise, all explanations of benefits (“EOBs”), including for all covered family members and eligible dependents, will be sent to the primary insured person.

5. Uses and Disclosures of PHI Based Upon Your Written Authorization: 

6. Your Rights: 

The following is a description of your rights with respect to your PHI and a brief description of how you may exercise those rights.

Inspect and Copy Your PHI:  You may obtain and inspect a copy of your PHI that is in a designated record set for as long as the company maintains it.  However, federal law prohibits a company from allowing an inspection or copy of psychotherapy notes; privileged information compiled in reasonable anticipation of or use in a legal proceeding; or PHI that is subject to a law which prohibits its access.  If you wish to receive a copy of your PHI, your request must be made using a company's “Medical Records Request” form.   Since your health care providers are the original source of this information, and they may or may not charge a fee for copies, you may wish to request this information from your provider(s) before requesting it from your health insurance company.

Place a Restriction on Your PHI:  You may request that a company not use or disclose your PHI.  Your request should be in writing, it must state the specific restriction requested, and it must state to whom the restriction applies.  A health insurance company is not required to agree to a request for such a restriction, but will deny such a request only for a reasonable reason and will provide a written explanation of the reason for the denial.  If the company agrees to the restriction, it may still disclose your PHI as permitted by law, or if your restricted PHI is needed for emergency medical treatment.

Alternative Means of Receiving Confidential Communications:  You have the right to request that a company send and/or receive confidential communications by alternative means or to an alternative location. 

Amend Your PHI:  You may request an amendment to your PHI in a designated record set for as long as the company maintains this information.  In certain circumstances, a health insurance company may deny your request for an amendment.  If the company denies your request for an amendment, you have the right to submit a statement of disagreement and the company may prepare a rebuttal to your statement.  The company will provide you with a copy of any rebuttal.  Since your health care providers are the original source of this information, you may consider making a request to amend your PHI directly to the individual providers.

Receive an Accounting of Certain Disclosures:  You have the right to request an accounting of disclosures a health insurance company has made of your PHI.  However, this right does not include any disclosures the company has made for purposes of treatment, payment or healthcare operations as described in this notice, nor does it include disclosures made for notification purposes. 

Complaints:  You have the right to voice a complaint to the U.S. Secretary of Health and Human Services if you believe your privacy rights have been violated.