1. Introduction
CoverWell Insurance Services ("we," "us," or "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and protect information obtained through our website (coverwell.com) and telephone services, including +1-8009791514. By using our services, you consent to the practices described herein.
2. Information We Collect
We may collect the following categories of personal information:
- Identity Data: Name, date of birth, Social Security Number (as required for ACA enrollment)
- Contact Data: Home address, email address, telephone number(s)
- Household & Income Data: Household size, estimated annual income, employment status, and tax filing information needed to determine subsidy eligibility
- Health Information: General health status, current medications, and preferred doctors or hospitals (used only to find the most suitable plan)
- Coverage History: Current or prior insurance carrier, policy number, and coverage gap information
- Technical Data: IP address, browser type, device identifiers, pages visited, and referring website
- Communications Data: Recordings of calls to or from our advisors, and any written correspondence
3. Call Recording & Telephone Consent
By calling +1-8009791514, you expressly consent to being contacted by a licensed CoverWell advisor and to calls being recorded for quality assurance, compliance, and training purposes. You will be informed at the beginning of any recorded call. Recordings are retained for up to 36 months. We do not sell call recordings to third parties. To request deletion of your recording, contact privacy@coverwell.com.
4. How We Use Your Information
Your information is used to: determine ACA subsidy eligibility and plan options; complete health insurance enrollment on the federal or state marketplace on your behalf; communicate with you about your plan, renewal dates, and coverage changes; comply with legal and regulatory obligations as a licensed insurance broker; detect and prevent fraud; and, with your consent, send you relevant communications about plan updates or special enrollment periods.
5. HIPAA Notice
To the extent that we handle Protected Health Information (PHI) in connection with your insurance enrollment, we comply with all applicable requirements of the Health Insurance Portability and Accountability Act (HIPAA) and its implementing regulations. Your health information is never sold. It is used solely for the purpose of enrolling you in a health insurance plan.
6. Sharing of Information
We do not sell your personal information. We share your information only with: (a) ACA marketplace carriers and HealthCare.gov/state exchange platforms to facilitate enrollment; (b) technology and analytics service providers operating under binding confidentiality agreements; and (c) regulatory authorities including state insurance commissioners and law enforcement when required by law.
7. Cookies & Tracking Technologies
Our website uses cookies including Google Analytics (traffic measurement), Google Ads conversion tracking (advertising performance), and call tracking software. You may manage cookie preferences through your browser settings. Opting out of tracking cookies does not affect your ability to use our services.
8. Data Retention
Enrollment-related data is retained for 7 years after your last policy term, consistent with insurance regulatory requirements. Call recordings are retained for 36 months. Marketing communications data is retained for 3 years from last interaction or until you opt out.
9. Your Rights
Depending on your state of residence, you may have the right to access, correct, or delete your personal information, and to opt out of marketing communications. California residents have additional rights under the CCPA. To exercise your rights, contact privacy@coverwell.com or call +1-8009791514.
10. Security
We use industry-standard security including SSL/TLS encryption, role-based access controls, and regular security assessments to protect your data from unauthorized access or disclosure.
11. Children's Privacy
Our services are intended for adults aged 18 and over. We do not knowingly collect data from minors. If we discover we have collected data from a person under 18, we will delete it promptly.
12. Changes to This Policy
We may update this Policy periodically. Material changes will be communicated via website notice or email. Continued use of our services after changes are posted constitutes acceptance.
13. Contact
CoverWell Insurance Services · 456 Health Blvd, Suite 200, Nashville, TN 37201
Email: privacy@coverwell.com · Phone: +1-8009791514