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About Health-e-Insurance
Health-e-Insurance was created by small business entrepreneurs and insurance professionals who saw a need for a straight forward and direct site for individuals like themselves to quickly find relevant, comprehensive and affordable solutions to their health care needs. The current situation of calling an agent who only knows one product or crawling through web sites that overload you with various unrelated insurance products is too exacerbating for the busy professional. We only connect you with professionals who can assist you in your specific situation with your specific needs.
WE PROTECT YOU
We connect you to top insurance professionals to advise you.If you're busy like us, you don't have time to learn everything there is to know about health insurance. Just like you rely on your attorney to advise you about contracts or your real estate agent to locate the perfect property for you, use your insurance professional to find and explain that perfect policy which balances benefits with premiums.
We connect you with current news and relevant information about health insurance products.If you need to learn a term, find out about the most recent legislation, or educate yourself to the best way to select health insurance products, you have come to the right place. We carefully select reliable and relevant information for you to be the best educated consumer. Spend some time learning what the pro's already know.
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Learning Center
NEWS Is it going to impact you?Read up on relevant news articles and find out! Original articles, links to important news, and view videos about what is going on in the health insurance world. From proposed legislation to new emerging insurance companies, all the way to cutting edge insurance plans designed to give you better coverage and save you money.
read moreHOW TO BUY Learn what you need to know!If you are not a seasoned veteran at selecting and buying health insurance, set aside some time to sit back, relax and learn all you need to know about making a successful selection.
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Latest News
11 June 2012 China faces 'serious' epidemic of drug-resistant TBChina faces a "serious epidemic" of drug-resistant tuberculosis according to the first-ever nationwide estimate of the size of the problem there, said a US-published study on Wednesday.
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How to Buy Health Insurance
You know you need health insurance, but most of us would rather get a shot at the Doctor's office than spend a few minutes on the phone with an insurance Agent. Contemplating the expense of health coverage can be a dizzying experience. Well relax because we are here for you. There are more resources than ever to not only inform you but help you to effectively shop for the best value in health insurance coverage.
Health-e-Insurance can help you learn how the Internet has made researching and buying health insurance easier and more convenient for consumers, and how to receive and choose the best health insurance quote from competing insurance companies.
Whether you're young or older, single or married, everyone needs to shop for health insurance at some point in their life. Being an informed shopper will empower you to find the right health insurance company and policy that fits your needs and budget.
" Cheap health insurance quotes for small business and individuals. "
Shopping for Health Insurance
It often comes as a rude awakening to look for insurance on your own, especially if you've been spoiled by years of coverage through your employer. If you work for yourself, retire before medicare kicks in, or don't have health insurance through your job, finding individual coverage that you can afford is as much a function of the state in which you live as it is the state of your health.
Some states have forbidden insurance companies from rejecting people based on the condition of their health. Others elected to go with a "community rating" system, which requires insurers to charge everyone the same rates, regardless of health. These laws are well intended but have often backfired, forcing some healthy people to pay more in insurance premiums than the monthly mortgage on a small house. And if you're in poor health, it's even tougher to find an affordable policy. But never fear, we have recruited agents who represent not only the major Insurance provider's, but also those who cater to your unique situation and thus can often times provide better value.
Spreading the risk
Insurance usually works because companies can spread their risk over a wide range of people. The healthy ones end up paying more in premiums than they submit in claims, and the difference helps to subsidize sicker people with more expensive claims. Healthy clients accept the situation because they usually pay lower premiums than higher-risk clients -- and they never know when they might become sick themselves.
But when insurance companies can't reject anyone or adjust rates based on risk, they end up charging everyone more. In 1993 Maine passed a guaranteed-issue law. Rates shot up dramatically because insurers could no longer price according to risk. The rising prices lead to healthy people to take their chances and drop their coverage, while sick people stayed on. To compensate, insurers then had to raise rates even higher. As the risk pools got worse, many companies decided it wasn't profitable to do business in the state and pulled out.
In New Jersey, everyone has to pay the same rate for similar coverage, whether you're a 24-year-old fitness instructor or a 60-year-old who has had quadruple-bypass surgery. That means everyone is able to buy insurance -- but hardly anyone can afford it.
A Health Insurance Shoppers Buyer's Guide
With state policies varying dramatically, there's no one size fits all to finding affordable health coverage on your own. If you happen to live in Maine, Kentucky or Washington State, you'll have few choices of any kind. In rural areas, you can't always save money with an HMO because there aren't enough people to make it economical. Association plans, which sometimes offer good deals, are unavailable in several states. And your state may limit your options for raising deductibles or cutting back on coverage to lower the price.
But you have to start somewhere, so follow these steps.
Use a Health-e-Insurance partnering agent who knows your market. Professional Insurance Agents not only will help you shop for price, they'll also know if a company has a reputation for raising premiums or hassling policyholders who file claims.
Check out prices on the Web. Health-e-Insurance can give you immediate quotes from several companies.
Visit your state insurance department's Web site. You'll probably find a list of companies selling individual coverage in your state. The insurance department may provide shopping tips for your state, as well as insurance-company complaint records.
Consider taking advantage of federal COBRA legislation if you have left a company that provided group coverage. If your previous employer has 20 or more employees, the company is required by law to let you continue your group coverage for up to 18 months. Some states have similar laws for smaller employers. You generally foot the entire bill yourself, plus up to 2% in administrative charges, which can increase your costs considerably.
COBRA coverage tends to be a good deal if you're in poor health or in a market with few choices, or you want to stick with your current doctors. But because group plans often have more bells and whistles than you'd buy yourself, you might find a better deal by shopping on your own.
Join an association that has group coverage. Association plans tend to be more attractive in states such as Texas and New York that don't have many options for individuals. In states where there's more competition, they can end up being magnets for sick people, with spiraling prices.
If all else fails and you don't want to go without coverage, you may have to bite the bullet and get a job that offers health insurance as an employee benefit. For those of us small business owners... I don't think so! -
Definitions
A
Accident-only policies - Policies that pay only in cases arising from an accident or injury.
Agent - A person who represents an insurance company to solicit or sell the company´s insurance products. An agent may represent a single company or multiple companies. An agent must be licensed by the Department of Insurance in their state to legally sell insurance in that state.
C
Capitation - A system where an HMO pays a doctor or hospital a flat monthly fee for the care of each health plan member whether or not any services are delivered.
Carrier - A company or HMO that provides health care coverage.
Certificates of coverage - Printed material showing members of a group health benefit plan the benefits provided by the group master policy.
Closed practice - A primary care physician who is not accepting new patients. Note: Even if your physician is on the HMO or PPO list, call to see if the practice is still open for accepting new HMO or PPO participants.
Coinsurance - The percentage of each health care bill you must pay out of your own pocket, including any non-covered charges and deductibles. Usually does not apply to HMO coverage.
Coinsurance maximum - The most you will have to pay in coinsurance during a policy period (usually a year) before your health plan begins paying 100 percent of the cost of your covered health services. The coinsurance maximum generally does not apply to copayments or other expenses you might be required to pay.
Consumer Choice plans - Health care plans offered by carriers that do not include all of the state-mandated benefits. Consumer choice plans must provide members with a disclosure statement and a list describing the mandated benefits that are not covered.
Coordination of benefits - A group plan provision that stipulates the primary carrier when you have more than one health plan. This ensures that payments made by the carriers do no exceed the cost of the services provided.
Copayment - The amount you must pay out of your own pocket when you receive medical care or a prescription drug. Copayments usually refer to set fees that HMOs charge to access health care services, but they also may apply to a PPO insurance contract.
D
Deductible - The amount you must pay out of your own pocket before the insurance company or HMO begins to pay its portion of claims. You usually must meet a deductible each year. If you have a family plan that covers your spouse or dependents, you may have one deductible for the entire family, or you may have to meet a separate deductible for each family member.
Disability benefits - Insurance company coverage that pays for lost wages when you are unable to work because of an illness or injury.
Dread disease policies - Policies that pay only if you contract the illness specified in the policy. (Also called specified disease policies.)
E
Eligible employee - An employee who meets the eligibility requirements for coverage in a group plan. To be eligible to join a group plan, you usually must work full-time for at least 30 hours a week. Some group plans may require employees to be a certain pay grade or job classification to be eligible for coverage.
Emergency care - Health care services provided in a hospital emergency facility or comparable facility to evaluate and stabilize sudden and severe medical conditions.
ERISA plan - Health plans created under the Employee Retirement and Income Security Act (ERISA) of 1974. These plans are self-funded, which means that claims are paid strictly from employer contributions and employee premiums. ERISA plans are administered by the U.S. Department of Labor. (Also known as a self-funded plan.)
Evidence of insurability - Proof that you are in good health. Some insurers require you to provide information about your medical history and health status to determine whether they will insure you or whether they will exclude certain coverages.
Exclusions or limitations - Provisions that exclude or limit coverage of certain named diseases, medical conditions, or services, as well as some sicknesses or accidents that occur under specified circumstances.
F
Fee for service - A health plan that allows you to go to any physician or provider you choose, but requires that you pay for the services yourself and file claims for reimbursement. (Also known as an indemnity plan.)
G
Gatekeeper - The physician selected by HMO members to serve as their personal doctor and provide all basic medical treatments and any referrals to medical specialists. Gatekeepers are prohibited in PPOs and other indemnity health plans. (Also known as a primary care physician.)
Grievance procedure - The required appeal process an HMO provides for you to protest a decision regarding medical necessity or claim payment. Insurance companies also may have grievance procedures.
Guaranteed renewable - Policies that may not be non-renewed or canceled, except in certain cases. An insurer may cancel a guaranteed renewable policy for failure to pay premiums, fraud, or intentional material misrepresentation. It also may cancel your policy if the company formally leaves the individual or group health market.
H
Health benefit plan - In most cases, health care services provided to employees by an employer. It can be an indemnity plan or an HMO plan.
Health care reimbursement accounts - Although not an insurance benefit, these accounts allow you to set aside pre-tax dollars to pay for medical care or medical costs not covered by your regular health benefit plan.
Health maintenance organization (HMO) - A managed care system that provides services to members through a network of physicians, hospitals, and other health care providers. HMOs eliminate the need to file claims in most cases by allowing members to "prepay" through monthly premiums and copayments made as services are delivered.
Hospital confinement policies - Policies that pay a fixed amount each day you are in the hospital.
Hospital-surgical policies - Insurance policies that cover hospital and surgical services.
I
Indemnity plan - A health plan that allows you to go to any physician or provider you choose, but requires that you pay for the services yourself and file claims for reimbursement. (Also known as fee-for-service.)
Independent Review Organization (IRO) - If your health insurer or HMO declines to pay for health care you believe is medically necessary or appropriate, you may request that it contact TDI and request that an independent group (IRO) review the decision. An IRO review is not required for self-funded ERISA plans. Unless your condition is life-threatening, you must complete the standard appeal process before requesting an IRO review. IROs are not affiliated with your health plan. The health plan must pay for treatment the IRO determines is necessary.
Inpatient medical care - Medical and surgical care usually received in a hospital or skilled nursing home environment.
L
Lifetime maximum - The total dollar amount a health care plan will pay over a policyholder´s lifetime.
Long-term care benefits - Coverage that provides help for people when they are unable to care for themselves because of prolonged illness or disability. Benefits are triggered by specific findings of "cognitive impairment" or inability to perform certain actions known as "Activities of Daily Living." Benefits can range from help with daily activities while recuperating at home to skilled nursing care provided in a nursing home.
M
Major medical policies - Health care policies that usually cover both hospital stays and physicians´ services in and out of the hospital.
Managed health care - A system that organizes physicians, hospitals, and other health care providers into networks with the goal of lowering costs while still providing appropriate medical services. Many managed care systems focus on preventive care and case management to avoid treating more costly illnesses.
Mandated benefits - Health care benefits that state or federal law says must be included in health care plans.
Mandated offerings - Health care benefits that must be offered to the employer or organization sponsoring a group policy. The sponsor is not required to include the benefits in its group plan.
Maximum out-of-pocket expense - The maximum amount someone covered under a health care plan must pay during a certain period for expenses covered by the plan. Until the maximum is reached, the person covered is required to pay a copayment or a percentage on each claim.
Medically necessary care - Health care that results from illness or injury or is otherwise authorized by the health care plan. This term can be defined differently from one health care plan to another.
Multiple employer plans - Benefit plans that serve employees of more than one employer and are set up under terms of a collective bargaining agreement.
Multiple Employer Welfare Arrangements (MEWAs) - In general, employee association plans (not set up under a collective bargaining agreement) that provide benefits to employees of more than one employer. If the MEWA assumes all or part of the plan´s insurance risk, it must be licensed by TDI.
N
Network - All physicians, specialists, hospitals, and other providers who have agreed to provide medical care to HMO members under terms of the contract with the HMO. Insurance contracts with preferred provider benefits also use networks.
Non-network providers - Health care providers and treatment facilities not under contract with the HMO or those that do not have an insurance PPO contract.
O
Out-of-area - The area outside the counties or ZIP codes in which an HMO provides regular and preventive coverage.
Out-of-network services - Health care services from providers not in an HMO´s or a PPO´s network. Except in certain situations, HMOs will only pay for care received from within its network. If you´re in a PPO plan, you will have to pay more to receive services outside the PPO´s network.
Out-of-pocket maximum - The most you will have to pay during a policy period (usually a year) before you no longer have to pay your share of coinsurance for covered health services. Once you've reached your out-of-pocket maximum, your health plan generally pays 100 percent of your health care costs, up to your policy's coverage limit. You are still responsible for paying your premium. Depending on your plan, you also may have to continue paying copayments and some other expenses.
Outpatient services - Services usually provided in clinics, physician or provider offices, hospital-based outpatient departments, home health services, ambulatory surgical centers, hospices, and kidney dialysis centers.
P
Point-of-service (POS) plans - POS plans allow an HMO to contract with an insurance company to give enrollees the option of receiving services outside the HMO´s network. In Texas, HMOs must contract with an insurance company to offer POS plans.
Precertification - A requirement that the health care plan must approve, in advance, certain medical procedures. Precertification means the procedure is approved as medically necessary, not approved for payment.
Pre-existing condition - A medical problem or illness you had before applying for health care coverage.
Preferred provider organization (PPO) - A type of plan in which physicians, hospitals, and other providers agree to discount rates for an insurance company. These providers are part of the PPO´s network. Insurance contracts with PPO provisions reimburse at a higher percentage if you use providers in the network. If you go to providers outside the PPO´s network, you will have to pay more for your care.
Premium - A set fee to participate in a health care plan. If you have health coverage through your work, your premium will likely be deducted from your paycheck.
Preventive care - Health care services such as routine physical examinations and immunizations that are intended to prevent illnesses before they occur.
Primary care physician - The physician selected by HMO members to serve as their personal doctor and provide all basic medical treatments and any referrals to medical specialists. Primary care physicians are prohibited in PPOs and other indemnity health plans. (Also known as a gatekeeper.)
Provider - A hospital, pharmacist, registered nurse, organization, institution, or person licensed to provide health care services in Texas. A physician also may be referred to as a provider. The term provider is often used collectively to refer to individual or facilities who provide health services.
Provider network - All the doctors, specialists, hospitals, and other providers who agree to provide medical care to HMO or PPO members under terms of a contract with the HMO or insurance company.
S
Self-funded plans - Plans funded strictly from employer contributions and employee premiums. These plans are authorized by the federal Employee Retirement and Income Security Act (ERISA) of 1974 and are regulated by the U.S. Department of Labor. State regulation of these plans is limited. Although an insurance company may be hired to administer the plan, the insurance company assumes no risk. (Also known as ERISA plans.)
Service area - The counties, or portions of counties, where an HMO or PPO provides coverage.
Skilled nursing care - Care needed after a serious illness. It is available 24 hours a day from skilled medical personnel such as registered nurses or professional therapists. A doctor orders skilled nursing care as part of a treatment plan.
Specified disease policies - Policies that pay only if you contract the illness specified in the policy. (Also called dread disease policies.)
Specified medical limitations - A dollar limit placed on treatment of certain medical conditions or types of treatment.
T
Texas Health Insurance Pool - The Health Pool provides health insurance to Texans unable to obtain coverage because of their medical history or for certain other reasons.
Third-party administrator (TPA) - TPAs administer employee benefit plans under contract with insurance companies, HMOs, and self-funded plans. They are regulated by TDI.
U
Underwriting - The process insurance companies use to examine, accept, reject, and classify the risks associated with an applicant for coverage.
Usual and customary charges - Typical amounts charged by providers for everything from a doctor´s office visit to heart surgery. Health benefit plans commonly will not pay full benefits if the fees billed by a physician or provider are higher than those charged by other physicians and providers in your area. "Usual and customary" charges may be based on (1) typical fees charged by physicians and providers in your area; (2) typical fees compiled by independent rating services; or (3) typical fees compiled by the insurance company/third-party administrator (TPA).
Utilization review - The review process aimed at helping HMOs and insurance companies reduce health care costs by avoiding unnecessary care. The review includes evaluating requests for medical treatment and determining, on a case-by-case basis, whether that treatment is necessary.
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Privacy Policy
Last Updated: June 9th, 2012
We respect your privacy and are committed to protecting it through our compliance with this Privacy Policy (this "Privacy Policy"). For purposes of this Privacy Policy, each of the terms "we," "us," or "our" means Health-e-Insurance, a privately held company, and the term this "Site," means, collectively, this website and portions of other Web pages and Web content through which you have accessed this Privacy Policy.
This Privacy Policy (together with our Terms of Use and any other documents referred to in this Privacy Policy and the Terms of Use) describes information that we collect from you or that you provide on this Site and how that information may be used and disclosed by us.
This Privacy Policy does not apply to information collected through any other medium, collected offline, or collected by any person or entity other than us (such as a third-party website or a third-party application). This Privacy Policy also does not apply to any information that you submit pursuant to a sweepstakes entry. Please refer to the official rules and Privacy Policy for each individual sweepstakes for our specific policies regarding information sharing and disclosure pursuant to sweepstakes entry.
Please read this Privacy Policy and the Terms of Use carefully to understand our policies and practices regarding your personal information and how we will treat it. By accessing, using or submitting information to this Site, you agree to this Privacy Policy and our Terms of Use. This Privacy Policy may change from time to time and your continued use of this Site is deemed to be acceptance of such changes, so please check periodically for updates (see Changes to our Privacy Policy below).
Children's Information
If you are under 13 years of age, please do not send any information about yourself to us or on this Site, including your name, address, telephone number or e-mail address. In the event that we learn that we have collected personal information from a child, we will delete that information and otherwise comply with the requirements of the Children's Online Privacy Protection Act and applicable law. If you believe that we might have any information from or about a child, please contact us at privacy.policy@health-e-insurance.com.
You must be at least 13 years of age to register with or use certain portions of this Site. This Site is not intended for children under 13 years of age. No one under 13 years of age may provide any personal information to or on this Site. We do not knowingly collect personal information from children under 13.
Information We Collect About You
We collect several types of information from and about users of this Site, including the information described below.
Personally Identifiable Information
In this Privacy Policy, personally identifiable information means information that identifies a particular individual, such as an individual's name, postal address, e-mail address, and phone number. Personally identifiable information does not include screen names or user names that you may provide to us or through this Site. The following are certain situations in which we may collect personally identifiable information from you:
- When you fill out forms or fields on this Site;
- When you communicate with us or request information about us, this Site and our services, whether via email or other means;
- When you participate in online surveys;
- When you participate in any of our marketing initiatives, including, contests, events, or promotions; and
- When you participate in forums or provide user generated content or submissions.
It is also possible that we may collect personally identifiable information about you from sources other than you, such as forums, instant messaging services, blogs, other users of our products and services and our business partners.
If you use any functionality on this Site allowing you to send content to a friend, then please be aware that: (a) we may display your email address to your friend; and (b) we may use information you provide about your friend to facilitate the communication and as otherwise set forth in this Privacy Policy.
Non-Personally Identifiable Information
We may collect demographic information about you such as gender, zip code, and birth date, and information regarding your preferences and usage. This type of information is not, by itself, personally identifiable information. However, if we link such information with personally identifiable information in a manner that identifies a particular individual, then we will treat all such information as personally identifiable information for purposes of this Privacy Policy.
We may collect non-personally identifiable information about you through a variety of technical methods, including the following:
- Collection of Usage Details and IP Address. As you navigate through this Site, we may collect details of your visits to this Site, including, but not limited to, traffic data, location data, logs, the resources that you access, and information about your computer and internet connection, including your IP address, operating system and browser type. We may use this information for system administration and to report aggregate information to our advertisers and business partners.
- Collection with Cookies. "Cookies" are pieces of information that a website sends to your computer while you are viewing a website. We may set and access cookies on your computer to track and store preferential information about you. You consent to our placement of cookies on your computer. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to do so, however, your use of certain aspects of this Site may be restricted.
- Collection with Web beacons. "Web beacons" are electronic images, tags or scripts that allow a website to access cookies and help track general usage patterns of visitors to a website. Web beacons can recognize certain types of information, such as cookies, time and date of a page view, and a description of the page where the Web beacon is placed. We may use Web beacons to compile information regarding use of this Site.
The information collected through these technical methods, standing alone, cannot be used to determine your identity. Such information may, however, be combined in a way that makes it become personally identifiable information. If this happens, we will treat the combined information as personally identifiable information.
How We Use Your Information
We use your information, including any personally identifiable information, to:
Confirm and complete transactions requested by you;
Provide customer support (including, responding to your requests), troubleshoot and resolve problems and disputes;
Contact you to verify the information you provide to us;
Understand and anticipate your needs and preferences;
Ensure this Site is of interest to you (including, customization of advertising and content) and help us better understand your use of this Site;
Protect the security and integrity of this Site;
Conduct internal reviews of this Site and administer this Site's systems;
Comply with, monitor compliance with and enforce this Privacy Policy, our Terms of Use and any other applicable agreements and policies;
Develop, enhance and market our products and services or the products and services of third parties;
Provide you with promotional materials, offers and personalized information;
Manage our business and operations;
Meet legal and regulatory requirements;
Provide administrative communications to you;
Use User Generated Content as permitted in our Terms of Use; and
For other purposes as may be disclosed when you provide personally identifiable information or in this Privacy Policy.
Disclosure of Personally Identifiable Information
Typical Disclosure
We may disclose personally identifiable information:
To any person who, in our reasonable judgment, is authorized to receive your personally identifiable information as your agent, including as a result of your business dealings with that person (for example, your attorney);
To our third party vendors so that they may provide support for our internal and business operations, including for the handling of data processing, data storage, surveys, research, internal marketing, delivery of promotional and transaction materials, and this Site's maintenance and security;
To third parties when you (i) engage in certain activities on this Site that are sponsored by them, such as purchasing products or services offered by a third party, electing to receive information or communications from a third party, or electing to participate in contests, sweepstakes, games or other programs sponsored in whole or in part by a third party, and/or (ii) respond to promotional materials from us and you authorize a third party to use your personally identifiable information to, for example, send you additional promotional materials, provide you a product or service, or enter you into a sweepstakes. When we disclose your personally identifiable information to these third parties, your personally identifiable information will become permanently subject to the information use and sharing practices of the third party, and the third party will not be restricted by this Privacy Policy with respect to its use and further sharing of your personally identifiable information;
As required by law or ordered by a court, regulatory, or administrative agency;
As we deem necessary, in our sole discretion, if we believe that you are violating any applicable law, rule or regulation, or are otherwise interfering with another's rights or property, including, without limitation, our rights or property;
If requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency;
To enforce our Terms of Use, this Privacy Policy, and any other applicable agreements and policies;
To enforce or protect our rights;
In connection with a Business Transfer, as defined below (see Business Transfers below); and
To our affiliated companies (i.e., companies under common control or management with us).
Aggregation and De-Personalization
We may take your personally identifiable information and make it non-personally identifiable, either by combining it with information about other individuals (aggregating your information with information about other individuals), or by removing characteristics (such as your name) that make the information personally identifiable to you (de-personalizing your information). We may use and/or disclose to third parties such aggregate or de-personalized information in any manner and without notice or compensation to you.
Requests for Quotes and Services from Requested Service Providers
Certain portions of this Site may allow you to request a quote, services or information from one or more third parties, such as insurance providers ("Requested Service Providers"). If you provide your personally identifiable information on the Site and request a quote, services or information from Requested Service Providers (e.g., by clicking "Submit" or "get your quotes") (a "Request"), we may share, loan, rent or sell your personally identifiable information to our affiliates, Requested Service Providers that we match with your Request, your current provider, or to other third parties that may match you with a Requested Service Provider. In addition, the Requested Service Providers and such third may further disclose, share and use any personally identifiable information provided by you in connection with your Request. If you make a Request, you expressly consent to such disclosure and use of your personally identifiable information. If you do not want your personally identifiable information shared as described above, then you should not submit a Request.
IF YOU SUBMIT A REQUEST, REQUESTED SERVICE PROVIDERS MAY CONTACT YOU DIRECTLY WITH QUOTES VIA TELEPHONE, FAX, AND EMAIL. YOU MAY RECEIVE TELEMARKETING CALLS AS A CONSEQUENCE OF SUBMITTING A REQUEST ON THIS SITE, EVEN IF YOU ARE ON THE NATIONAL DO NOT CALL REGISTRY OR ANY OTHER DO NOT CALL REGISTRY.
If you are matched with Requested Service Providers, you expressly consent to the Requested Service Providers conducting any research necessary to provide you with quotes for your Request. Requested Service Providers may need to share your personally identifiable information to conduct such research. As an example, if you request insurance quotes, consumer reports may be ordered in connection with your insurance application. Such reports may provide information that may assist in determining eligibility for insurance and the price you may be charged for insurance. Consumer reports may also be used for updates, renewal or extensions of this insurance. In addition, insurance companies may use third parties in connection with the development of a "insurance score" for you. If you do not want Requested Service Providers to conduct necessary research to provide you with a quote for your Request, then you should not submit a Request.
Please note that if you submit a Request on this Site and we share your information as described above in connection with your Request, you will not have the opportunity to opt out of the disclosure of your information in connection with that Request.
Sweepstakes
If you are submitting information to us pursuant to a sweepstakes entry, we reserve the right to share, loan, rent and/or sell the information that you submit with and to our affiliates and other third parties. Please refer to the official rules and Privacy Policy for each individual sweepstakes for our specific policies regarding information sharing and disclosure pursuant to that sweepstakes entry.
Circumvention of Security Measures
In addition, although we use reasonable security measures to protect the personally identifiable information we collect through this Site, we cannot ensure that your personally identifiable information will only be disclosed as described in this Privacy Policy. By way of example (without limiting the foregoing), we may be forced to disclose personally identifiable information to the government or third parties under certain circumstances or third parties may unlawfully intercept or access transmissions or private communications. Therefore, notwithstanding anything to the contrary within this Privacy Policy, the Terms or any other applicable agreement or policy, you use this Site at your own risk and we do not promise or guarantee, and you should not expect, that your personally identifiable information will always remain private. In the unlikely event that an unauthorized third party compromises our security measures, we will not be responsible for any damages directly or indirectly caused by an unauthorized third party's ability to view, use or disseminate such information.
Business Transfers
We specifically and expressly reserve the right to disclose, lease, sell, assign or transfer your personally identifiable information collected through this Site, and any of its databases, together with any personally identifiable information contained in such data bases, to third parties in connection with a Business Transfer. A "Business Transfer" means a sale, acquisition, merger, consolidation, reorganization, bankruptcy or other corporate change involving us and/or our affiliates, even if the Business Transfer is only being contemplated and regardless of whether the Business Transfer relates to a part or a whole of our business. Nothing in this Privacy Policy is intended to interfere with our ability to transfer all or part of our business, equity, and/or assets (including this Site) to an affiliate or independent third party at any time, for any purpose, without any limitation, without notice, any without any compensation to you, whatsoever.
Network Advertising
From time to time, we may participate in or use advertising networks, such as third party advertising servers, advertising agencies, technology vendors and research firms. We may use these third-party advertising networks for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Advertising networks often gather data about consumers who view advertisements to make inferences about a consumer's interests and preferences, which enables their computers to deliver advertisements directly targeted to the consumer's specific interests. This practice is often referred to as "online behavioral advertising." For example, a third-party advertising network might collect the type of Internet browser you use, the type of computer operating system you use, the domain name of a website you visit, whether or not you visit specific pages of this Site and other websites, the location of your Internet service provider's presence, the date and time of a visit to a website and other interactions between you and website. Please see the "Online Behavioral Advertising" subsection of Choices About How We Use and Collect Your Information below to read about how you can prevent certain third-party advertising networks from collecting information about you.
User Generated Content
You are responsible for any content, including personal information, that you contribute to be published or displayed ("posted") on this Site, or that you transmit to other users of this Site (collectively, "User Generated Content"). Your User Generated Content is posted on and transmitted to other users of this Site at your own risk. We cannot control the actions of other users of this Site with whom you may choose to share your User Generated Content. We can also not responsible for circumvention of any privacy settings or security measures contained on this Site. As a result, we cannot and do not guarantee that your User Generated Content will not be viewed by unauthorized persons. You understand and acknowledge that, even after removal, copies of your User Generated Content may remain viewable in cached and archived pages, or might have been copied or stored by other Site users. Proper access and use of information provided on this Site, including User Generated Content, is governed by our Terms of Use.
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us. Below are some mechanisms that provide you with control over certain information:
Cookies. If you do not wish us to collect cookies, you may set your browser to refuse cookies, or to alert you when cookies are being sent. If you do so, please note that some parts of this Site may then be inaccessible or may not function properly. Email Offers from Us. If you do not wish to receive email offers or newsletters from us, you can opt-out of receiving email information from us (other than emails related to the completion of your registration, correction of user data, change of password and other similar communications essential to your transactions on this Site) by using the unsubscribe process at the bottom of the email. Accessing and Correcting Personal Information. If this Site allows you to create an account with us, then you can review and update your personal information by logging into this Site, visiting your account profile page and making changes. Online Behavioral Advertising. Certain third-party advertising networks that deliver behavioral advertising are members of the Network Advertising Initiative ("NAI"). You can prevent NAI member companies from collecting preference data about you by clicking here and following the NAI's directions. Note that if you opt out through the NAI, you will still receive advertising. In addition, if you opt out through the NAI and later delete your cookies, use a different browser or buy a new computer, you will need to renew your opt-out choice.
Information You Disclose to Third Parties
You may be presented with an opportunity to receive information and/or marketing offers from third parties in connection with this Site. All information you disclose to such third parties will be subject to the Privacy Policy and practices of such third parties. We are not responsible for the privacy policies and practices of such third parties and, therefore, you should review the privacy policies and practices of such third parties prior to disclosing information to them. If you later decide that you no longer want to receive communications from a third party, you will need to contact that third party directly.
Links to Third-Party Websites
This Site, as well as the e-mail messages sent with respect to this Site, may contain links to websites operated by third parties that are beyond our control. For example, if you click to apply for a product such as a credit card, on this Site, you may be linked to a third-party website to complete an application. Links to third parties from this Site are not an endorsement by us of such third parties, their websites, their products, their services, or their practices. We are not responsible for the Privacy Policy, terms and conditions, practices or the content of such third parties or third-party websites. These third-party websites may send their own cookies to you and independently collect data. If you visit a website that is linked from this Site or our emails, we encourage you to read any privacy statements and terms and conditions of that third party's website before providing any personally identifiable information. If you have a question about the terms and conditions, Privacy Policy, practices or contents of a third party or a third party website, please contact the third party directly.
Operation of this Site in the United States
This Site is operated in the United States. If you are located in the European Union, Canada or elsewhere outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using this Site or providing us with your information, you consent to this transfer.
Changes to this Privacy Policy
We may amend this Privacy Policy at any time. Amendments will take effect immediately upon us posting the updated Privacy Policy on this Site. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.
Contacting Us
If you have questions or concerns about our privacy practices or wish to make a request regarding your personally identifiable information, please contact us at any of the following:
Via email: privacy.policy@health-e-insurance.com
Special Notification for California Residents – Your California Privacy Rights
SPECIAL NOTIFICATION FOR CALIFORNIA RESIDENTS - YOUR CALIFORNIA PRIVACY RIGHTS
Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures, if any, of their personally identifiable information to third parties for direct marketing purposes. Such requests must be submitted to us at privacy.policy@health-e-insurance.com or in writing at:
California privacy rights requests must include the reference "Request for California Privacy Information" on the subject line and in the body of the message and must include the e-mail address or mailing address, as applicable, for us to send our response. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified in this paragraph. -
Terms and Conditions
Last updated: June 9th, 2012
Health-e-Insurance, a privately held company, and its affiliates ("Health-e-Insurance"), owns and operates this Web site, and portions of other Web pages and Web content through which you have accessed these Terms of Use (collectively, the "Site"). By visiting, using and/or submitting information to the Site, you agree to be bound by the terms and conditions of these Terms of Use (this "Agreement") and Health-e-Insurance's Privacy Policy (the "Privacy Policy").
This Agreement contains an agreement to arbitrate all claims and disclaimers of warranties and liability.
Your Compliance with this Agreement
You acknowledge that this Agreement is supported by reasonable and valuable consideration, the receipt and adequacy of which is hereby acknowledged. Without limiting the foregoing, you acknowledge that such consideration includes, without limitation, your ability to visit, use and/or submit information to the Site.
You represent that you have the capacity to be bound by this Agreement, or if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity. In order to determine your compliance with this Agreement, Health-e-Insurance may monitor your access and use of the Site in accordance with Health-e-Insurance's Privacy Policy.
The Site is Not Intended for Minors
The Site is intended to be accessed and used only by adults and is not directed to minors. As stated in Health-e-Insurance's Privacy Policy, Health-e-Insurance does not knowingly collect personally identifiable information by anyone under the age of 13 and you should not provide Health-e-Insurance with any information regarding any individual under the age of 13.
Your Access and Use of the Site
Your right to access and use the Site is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Site for lawful purposes and pursuant to the terms and conditions of this Agreement and the Privacy Policy.
Your access and use of the Site may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Site or other actions that Health-e-Insurance, in its sole discretion, may elect to take. Health-e-Insurance reserves the right to suspend or discontinue the availability of the Site and/or any portion or feature of the Site at any time in its sole discretion and without prior notice.
Any action by you that, in Health-e-Insurance's sole discretion: (i) violates the terms and conditions of this Agreement and/or the Privacy Policy; (ii) restricts, inhibits or prevents any access, use or enjoyment of the Site; or (iii) through the use of the Site, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use the Site. You shall not metatag, provide links to or from the Site without Health-e-Insurance's prior express written permission.
Your Access and Use of Services on the Site
Subject to the terms of this Agreement and the Privacy Policy, Health-e-Insurance may offer you various services on or through the Site (the "Services"). Below are terms and conditions governing these Services.
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You Must Maintain the Integrity of Your Information. To use certain Services, you may be required to provide Health-e-Insurance with information about you ("Your Information"). If you provide Your Information to Health-e-Insurance then you agree to provide true, current, complete and accurate information, and not to misrepresent your identity. You also agree to keep Your Information current and to update Your Information if any of Your Information changes. Health-e-Insurance's collection, use and disclosure of Your Information is governed by this Agreement and Health-e-Insurance's Privacy Policy.
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You Must Maintain the Security of Any Password Issued to You. If the Site requires you to create a password to use certain portions of the Site, then it is your sole responsibility to maintain the security of that password. You agree that Health-e-Insurance shall not be liable for any loss that you may suffer as a result of the authorized or unauthorized use of your password by a third party. You shall not allow any person under the age of 18 to use any Service via your registration or password.
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You Must Notify Health-e-Insurance of a Breach. You agree to immediately notify Health-e-Insurance of any unauthorized use of your password, any unauthorized use of any account that you may have with Health-e-Insurance, any violation of this Agreement, or any other breach of security known to you in connection with any product or service available on the Site by sending an email to: privacy.policy@health-e-insurance.com.
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You Are Responsible for Your Financial Decisions. Health-e-Insurance and its affiliates, through the Site, provide a venue through which you can obtain information and you can find third-party service providers, such as financial institutions, credit card providers, mortgage brokers, insurance brokers, insurance agents, discount program representatives and other insurance professionals ("Service Providers"). Health-e-Insurance does not endorse or recommend the products or services of any Service Provider, and is not an agent or advisor to you or any Service Provider. Health-e-Insurance does not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that Health-e-Insurance shall not be liable for any losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider's products or services. Health-e-Insurance urges you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.
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You Acknowledge and Agree that Health-e-Insurance is Not a Service Provider. Health-e-Insurance is not a financial institution, insurance provider or other Service Provider. Instead, Health-e-Insurance, through the Site, may help to connect you with Service Providers that might meet your needs based on information provided by you. Health-e-Insurance does not, and will not, make any coverage or credit decision with any Service Provider referred to you. Health-e-Insurance does not issue mortgages, credit cards, insurance coverage or any other financial products.
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No Guarantee of Quotes, Fees, Terms, Rates, Coverage or Services. Health-e-Insurance does not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or not offered or made available by Service Providers. Health-e-Insurance does not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available or are available at all.
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You Do Not Pay Fees to Health-e-Insurance. Unless you are a Service Provider or order a specific service through the Site, Health-e-Insurance does not charge you a fee to use the Site. Service Providers may pay Health-e-Insurance fees for services and to be matched with users of the Site, however. Health-e-Insurance is not involved with and is not responsible for any fee arrangement that you may enter into with any Service Provider. You acknowledge and agree to this compensation arrangement. You hereby release Health-e-Insurance of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider's products or services, including any fees charged by a Service Provider.
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Requests for Quotes or Offers. The Site may give you the opportunity to request to be matched with and receive quotes or offers from Service Providers (a "Match Request"). Portions of the Site providing this opportunity (the "Match Request Areas") are only available to residents of the United States, and may not be available in all states.
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Health-e-Insurance and its affiliates make no guarantee that you will be matched with a Service Provider if you submit a Match Request.
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If you make either a complete or incomplete Request, then you agree that any information that you provide in connection with your Match Request may be used and disclosed as set forth in the Privacy Policy. Without limiting anything in the Privacy Policy, you authorize Service Providers, and their affiliates and third-party service providers, to conduct all necessary research with your information, including checking your credit history, if applicable, for purposes of providing you with your Match Request.
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If you make a Match Request, then you expressly authorize Service Providers to contact you by telephone, including your home or cell phone, fax and email at the numbers and addresses provided in your Match Request, for purposes of providing you with the quotes, products and services indicated in your Match Request. You consent to receive telephone calls from Service Providers, even if the phone number that you provided on your Match Request is on any "Do Not Call" list. You also consent to Health-e-Insurance and the Service Providers making recorded calls to remind you of deadlines or other issues in connection with your Match Request.
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You are solely responsible for complying with applicable laws and regulations in connection with your use of any services offered by a Service Provider.
Fees and Payments
Access and use of the Site is free. At any time, Health-e-Insurance may choose to charge fees for various premium features and services, and Health-e-Insurance will notify you of those charges at the time that Health-e-Insurance offers features and services for a fee. Health-e-Insurance may, in its sole discretion, and by notifying you on the Site, change this policy and begin charging for access to the Site and other features and services, and Health-e-Insurance may, in its sole discretion, add, remove or change the features and services Health-e-Insurance offers or the fees (including the amount and type of fees) Health-e-Insurance charges at any time. If Health-e-Insurance introduces a new service or charges a new fee, Health-e-Insurance will establish and notify you of the fees for that service at the launch of the service or start of charging a new fee. If Health-e-Insurance notifies you of new fees or changes the fees for an existing service, then you agree to pay all fees and charges specified and all applicable taxes for your continued use of the applicable service.
Public Forums
The Site may act as a venue, through its blogs, messaging, chat rooms, bulletin boards and other forums (collectively, the "Forums"), allowing the users of the Site to contribute information and make statements ("User Generated Content"). Health-e-Insurance is not involved in the actual transmission of User Generated Content provided for in the Forums. As a result, Health-e-Insurance does not approve or endorse any User Generated Content in the Forums, and you hereby acknowledge and agree that Health-e-Insurance has no control over the quality, correctness, timeliness, safety, truth, accuracy or legality of any User Generated Content provided by you or any other person or entity in the Forums. You may find User Generated Content posted in the Forums by other users to be offensive, harmful, inaccurate or deceptive. Please use caution and common sense, and do not rely solely on User Generated Content published in the Forums. Without limiting the generality of the foregoing, and although Health-e-Insurance does not regularly review User Generated Content provided for in the Forums, Health-e-Insurance reserves the right, but not the obligation, to remove or edit any User Generated Content in the Forums.
Immediately report problems with the Forums to Health-e-Insurance at forum.moderator@health-e-insurance.com.
Transmissions, Submissions and Postings to the Site
If you transmit, submit or post information to the Site that is not Federally trademarked and/or copyrighted, you automatically grant Health-e-Insurance and its affiliates and assigns the worldwide, fully-paid, royalty-free, exclusive right and license to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content (as defined below). Provided that you have obtained prior written permission from Health-e-Insurance to transmit, submit or post information to the Site that is Federally trademarked and/or copyrighted, you automatically grant Health-e-Insurance and its assigns the worldwide, fully-paid, royalty-free right to use, copy, format, adapt, publish and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content.
You shall not transmit, submit or post the following to the Site:
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Information that infringes Health-e-Insurance's or any third party's copyright, patent, trademark, trade secret or other proprietary rights;
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Information that violates any law, statute, ordinance or regulation;
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Information that is trade libelous, unlawfully threatening, unlawfully harassing, defamatory, obscene, explicit or vulgar, or otherwise injurious to Health-e-Insurance or third parties or that infringes on Health-e-Insurance's or any third party's rights of publicity or privacy;
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Information that contains any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information;
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Information containing or constituting chain letters, mass mailings, political campaigning, or any form of "spam";
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Information that is false, inaccurate or misleading;
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Commercial advertisements or solicitations without written permission from Health-e-Insurance; or
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Federally Trademarked and/or Copyrighted information without written permission from Health-e-Insurance.
Although Health-e-Insurance does not regularly review your transmissions, submissions or postings, Health-e-Insurance reserves the right (but not the obligation) to edit, refuse to post or remove your transmissions, submissions or postings. Pursuant to the Privacy Policy, Health-e-Insurance may review transmissions, submissions or postings made by you to determine, in its sole discretion, your compliance with this Agreement.
You are solely responsible for all your transmissions, submissions or postings (i.e., your own User Generated Content) and the consequences of transmitting, submitting or posting them.
Health-e-Insurance's Intellectual Property RightsHealth-e-Insurance's names, graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of Health-e-Insurance in the United States and/or other countries (collectively, the "Proprietary Marks"). You may not use the Proprietary Marks without the prior express written permission of Health-e-Insurance, which permission may be withheld in Health-e-Insurance's sole discretion. Health-e-Insurance makes no proprietary claim to any third-party names, trademarks or service marks appearing on the Site. Any third-party names, trademarks, and service marks are property of their respective owners.
The information, advice, data, software and content viewable on, contained in, or downloadable from the Site (collectively, the "Content"), including, without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons and renditions, are copyrighted by, or otherwise licensed to, Health-e-Insurance or its Content suppliers. Health-e-Insurance also owns a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content (the "Collective Work"). All software used on the Site (the "Software") is the property of Health-e-Insurance or its software vendors and is protected by United States and international copyright laws. Viewing, reading, printing, downloading or otherwise using the Content and/or the Collective Work does not entitle you to any ownership or intellectual property rights to the Content, the Collective Work or the Software.
You shall be solely responsible for any damage resulting from your infringement of Health-e-Insurance's or any third party's intellectual property rights regarding the Trademarks, the Content, the Collective Work, the Software and/or any other harm incurred by Health-e-Insurance or its affiliates as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of this Agreement.
Your Use of the Content
Health-e-Insurance grants you a limited license to access, print, download or otherwise make personal use of the Content and the Collective Work in the form of: (i) one machine-readable copy; (ii) one backup copy; and (iii) one print copy, for your non-commercial use; provided, however, that you shall not delete any proprietary notices or materials with regard to the foregoing manifestations of the Content and the Collective Work. You may not modify the Content or the Collective Work or utilize them for any commercial purpose or any other public display, performance, sale, or rental, decompile, reverse engineer, or disassemble the Content and the Collective Work, or transfer the Content or the Collective Work to another person or entity.
Except as otherwise permitted under the copyright laws of the United States, no other copying, distribution, redistribution, transmission, publication or use, other than the non-commercial use of the Content and the Collective Work as permitted by this Agreement, is permitted by you without the express prior written permission of Health-e-Insurance, which permission may be withheld in Health-e-Insurance's sole discretion.
You may not use any meta tags or any other "hidden text" utilizing Health-e-Insurance's name or trademarks without the express written permission of Health-e-Insurance, which permission may be withheld in Health-e-Insurance's sole discretion.
Access and Interference
The Site contains robot exclusion headers. You agree that you will not use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Site or any portion of the Site or for any other purpose, without Health-e-Insurance's express written permission which may be withheld in Health-e-Insurance's sole discretion. Additionally, you agree that you will not: (i) take any action that imposes, or may impose in Health-e-Insurance's sole discretion an unreasonable or disproportionately large load on Health-e-Insurance's infrastructure; (ii) copy, reproduce, modify, create derivative works from, distribute or publicly display any content (except for your personal information) from the Site without the prior written permission of Health-e-Insurance and the appropriate third party, as applicable; (iii) interfere or attempt to interfere with the proper working of the Site or any activities conducted on the Site; or (iv) bypass Health-e-Insurance's robot exclusion headers or other measures Health-e-Insurance may use to prevent or restrict access to the Site. Notwithstanding the foregoing, Health-e-Insurance grants the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose and solely to the extent necessary for creating publicly available search indices of the materials on the Site, but not caches or archives of such materials. Health-e-Insurance reserves the right to revoke these exceptions either generally or in specific cases. You shall not collect or harvest any personally identifiable information, including account names, from the Site. You shall not use any communication systems provided on the Site (such as Forums or email) for any commercial or solicitation purposes. You shall not solicit for commercial purposes any users of the Site without Health-e-Insurance's express, written permission, which permission may be withheld in Health-e-Insurance's sole discretion.
Electronic Communications
When you visit the Site or send email to Health-e-Insurance, you are communicating with Health-e-Insurance electronically. You consent to receive communications from Health-e-Insurance electronically. Although Health-e-Insurance may choose to communicate with you by regular mail, Health-e-Insurance may also choose to communicate with you by e-mail or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that Health-e-Insurance provides to you electronically satisfy any legal requirement that such communications be in writing.
Your Responsibility for Equipment and Related Costs
You are responsible for obtaining and maintaining all telephone, computer hardware, Internet access services and other equipment or services needed to access and use the Site, and all costs and fees associated with Internet access or long distance charges incurred with regard to your access and use of the Site.
Third Party Links
There may be provided on the Site links to other Web sites belonging to Health-e-Insurance's advertisers, business partners, affiliates, Service Providers and other third parties. Such links do not constitute an endorsement by Health-e-Insurance of those Web sites, nor the products or services listed on those Web sites. Health-e-Insurance is not responsible for the activities or policies of those Web sites. Health-e-Insurance does not endorse or recommend the products of any particular advertiser, business partner, affiliate or other third party. Health-e-Insurance does not guarantee that the terms or rates offered by any particular advertiser, business partner, affiliate, Service Provider or other third party on the Site are the best terms or lowest rates available in the market or even available for you to obtain.
Moblie Devices
If Health-e-Insurance provides aspects of the Site via an application for your mobile or other device, please be aware that your carrier's normal rates and fees may apply and that the terms of this Agreement and other agreements within the application apply to your use of such mobile application.
Copyright Infringement
It is Health-e-Insurance's policy to comply with the Digital Millennium Copyright Act, title 17, United States Code, Section 512, including, without limitation, responding to notices of alleged copyright infringement, and other applicable intellectual property laws. Health-e-Insurance shall in appropriate circumstances disable and/or terminate the accounts of users who may infringe or repeatedly infringe the copyrights or other intellectual property rights of Health-e-Insurance and/or others.
Notifications (each a "Notification") of claimed copyright infringement should be sent via email to Health-e-Insurance's designated agent. Health-e-Insurance's designated agent contact information is set forth below:
Address of designated agent to Which Notification Should be Sent:
Email address of designated agent: contact.form at health-e-insurance dot com
Pursuant to Title 17, United States Code, Section 512(c)(3), to be effective, the Notification must include the following:
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Health-e-Insurance will remove or disable access to the material that is alleged to be infringing;
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Health-e-Insurance will forward the Notification to the alleged infringer ("Subscriber"); and
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Health-e-Insurance will take reasonable steps to promptly notify the Subscriber that Health-e-Insurance has removed or disabled access to the material.
Counter Notification:
Pursuant to Title 17, United States Code, Section 512(g)(3), a Subscriber may counter a Notification by providing a written communication ("Counter Notification") to Health-e-Insurance 's designated agent that includes substantially the following:
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A physical or electronic signature of the Subscriber;
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Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
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A statement under penalty of perjury that the Subscriber has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled; and
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The Subscriber's name, address, and telephone number, and a statement that the Subscriber consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the Subscriber's address is outside of the United States, for any judicial district in which Health-e-Insurance may be found, and that the Subscriber will accept service of process from the person who provided the Counter Notification or an agent of such person
Upon receipt of a Counter Notification containing the information as outlined in 1 through 4 above, and pursuant to Title 17, United States Code, Section 512:
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Health-e-Insurance will promptly provide the Complaining Party with a copy of the Counter Notification;
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Health-e-Insurance will inform the Complaining Party that Health-e-Insurance will replace the removed material or cease disabling access to the removed material within ten (10) business days; and
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Health-e-Insurance will replace the removed material or cease disabling access to the removed material not less than ten (10), nor more than fourteen (14) business days following receipt of the Counter Notification, provided Health-e-Insurance's designated agent has not received notice from the Complaining Party that an action has been filed seeking a court order to restrain the Subscriber from engaging in infringing activity relating to the removed material on Health-e-Insurance's network or system.
Health-e-Insurance Makes No Representations or Warranties Regarding the ContentTHE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE ARE PROVIDED TO YOU ON AN "AS-IS" AND "AS AVAILABLE" BASIS. HEALTH-E-INSURANCE MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE IS AT YOUR SOLE RISK.
HEALTH-E-INSURANCE DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE, NOR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. HEALTH-E-INSURANCE MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM THE SITE IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION. HEALTH-E-INSURANCE DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING ANY QUOTES OR OFFERS PROVIDED ON OR THROUGH THE SITE.
WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT HEALTH-E-INSURANCE IS NOT A FINANCIAL INSTITUTION, INSURANCE PROVIDER, CREDIT CARD PROVIDER OR OTHER SERVICE PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT HEALTH-E-INSURANCE IS SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH SERVICE PROVIDERS AND, THEREFORE, HEALTH-E-INSURANCE EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SUCH SERVICE PROVIDERS.
The Content is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, Health-e-Insurance recommends that you obtain additional information and advice of your accountant and other financial advisors who are fully aware of your individual circumstances.
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China faces 'serious' epidemic of drug-resistant TB
25 December, 2012"In 2007, one third of the patients with new cases of tuberculosis and one half of the patients with previously treated tuberculosis had drug-resistant disease," said the study in the New England Journal of Medicine.
Even more, the prevalence of multi-drug resistant (MDR) TB in new cases (5.7 percent) was nearly twice the global average, said the study.
Using World Health Organization figures as a basis for comparison, "China has the highest annual number of cases of MDR tuberculosis in the world -- a quarter of the cases worldwide," it added.
"China has a serious epidemic of drug-resistant tuberculosis."
The data came from a survey of more than 4,600 Chinese people who were recently diagnosed or treated for TB.
Patients for the study were treated at local TB clinics, not hospitals, and the survey was conducted by the National Tuberculosis Reference Laboratory (NTRL) of the Chinese Centers for Disease Control.
According to an accompanying editorial by Johns Hopkins University infectious disease specialist Richard Chaisson, the growth of drug-resistant TB presents an "enormous challenge."
Even more concerning was the finding that most of the 110,000 drug-resistant cases were in people newly diagnosed with the disease, suggesting that the virulent bacteria are being transmitted from person to person and not developing solely as a result of a person prematurely stopping treatment.
"MDR tuberculosis is linked to inadequate treatment in both the public health system and the hospital system, especially tuberculosis hospitals; however, primary transmission accounts for most cases," said the study.
Chaisson said the findings highlight the need for faster testing, and for new cases of TB to be tested for signs of drug resistance, not just recurrent forms.
In China, over one million new tuberculosis infections occur each year -- a large chunk of the estimated nine million new cases worldwide annually.
Known formally as Mycobacterium tuberculosis, TB spreads through the air when infected people cough up bacteria. TB kills about 1.5 million people worldwide each year.
Often it can be cured with antibiotics, though drug availability is limited in the developing world and sometimes patients do not follow the entire regimen of treatment, which can encourage the development of resistant strains.
The study was funded by the Chinese Ministry of Health.
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Health Insurance Rocks
09 June, 2012 Back
