Privacy Policy

Broker Pollard > Privacy Policy

Privacy Policy and CMS-Compliant Disclosures 

Introduction 

Evyn Pollard (“we,” “us,” “our”) is committed to protecting your privacy and ensuring compliance with all relevant regulations, including those set forth by the Centers for Medicare & Medicaid Services (CMS). This Privacy Policy and Disclosure Statement explains how we collect, use, disclose, and safeguard your information, and outlines our obligations as a Third-Party Marketing Organization (TPMO) and broker. By using our website https://brokerpollard.com/ or our services, you agree to the collection and use of information in accordance with this policy. 

Information We Collect 

We may collect the following types of information: 

  1. Personal Information: Name, address, phone number, email address, date of birth, Social Security number, and other identifying information. 
  2. Protected Health Information (PHI): Health history, medical conditions, treatment information, and other health-related information. 
  3. Financial Information: Payment details, bank account numbers, and credit card information. 
  4. Usage Data: Information on how you access and use our website, including your IP address, browser type, pages visited, and other usage details. 

How We Use Your Information 

We use the collected information for the following purposes: 

  1. To provide, operate, and maintain our services. 
  2. To improve, personalize, and expand our services. 
  3. To communicate with you, including customer service, updates, and other information. 
  4. To process transactions and manage your account. 
  5. To comply with legal obligations and protect our legal rights. 

PHI Disclosures 

We understand the sensitive nature of PHI and handle it with the utmost care and confidentiality. We may disclose PHI under the following circumstances: 

  1. With Your Consent: We may disclose PHI if you give us explicit permission to do so. 
  2. For Treatment: We may share PHI with healthcare providers for treatment purposes. 
  3. For Payment: We may disclose PHI to insurance companies and other entities involved in the payment of healthcare services. 
  4. For Healthcare Operations: We may use and disclose PHI for operational purposes, such as quality assessment and improvement activities. 
  5. As Required by Law: We may disclose PHI when required to do so by law, including in response to court orders, subpoenas, or other legal processes. 

Medicare Compliance Disclosures 

As part of our commitment to compliance with CMS guidelines, we provide the following Medicare-specific disclosures: 

  1. Authorized Use and Disclosure: Any use or disclosure of Medicare beneficiaries’ information will be done in strict accordance with CMS guidelines and only for the purpose of providing and managing Medicare plans and services. 
  2. Beneficiary Rights: Medicare beneficiaries have the right to access their personal information and request corrections to any inaccuracies. They also have the right to be informed about how their information is used and disclosed. 
  3. Marketing Compliance: All marketing materials and communications related to Medicare plans will be compliant with CMS marketing guidelines to ensure that beneficiaries receive accurate and non-misleading information. 
  4. Privacy Protections: We maintain rigorous privacy protections to safeguard the personal information of Medicare beneficiaries, in compliance with HIPAA and other applicable privacy laws. 
  5. Fraud Prevention: We are committed to preventing fraud and abuse in Medicare services and will report any suspected fraudulent activities to the appropriate authorities. 

CMS-Compliant Disclosures for Third-Party Marketing Organizations (TPMOs) 

As a TPMO and broker, we also adhere to the following CMS-compliant disclosures: 

  1. Role as a TPMO: Evyn Pollard is a licensed insurance broker operating as a TPMO. We provide information about Medicare Advantage (MA) plans, Medicare Part D prescription drug plans, and Medicare Supplement Insurance (Medigap) plans. We are contracted with multiple Medicare plan carriers to offer a range of plan options. 
  2. Compensation Disclosure: We receive compensation from the insurance carriers for enrolling individuals in Medicare plans. This compensation may vary based on the specific plan, carrier, and the nature of the services provided. However, this does not influence our recommendations, and our primary goal is to help you find the Medicare plan that best fits your needs. 
  3. No Obligation to Enroll: You are under no obligation to enroll in a plan discussed with Evyn Pollard. Our role is to provide information and help you understand your options. The final decision on whether to enroll and which plan to choose is entirely yours. 
  4. Non-Biased Information: We are committed to providing accurate and unbiased information about all Medicare plans available to you. We will present all options clearly, ensuring you have the information needed to make an informed decision. 
  5. Use of Your Information: The personal information you provide to us, including your PHI, will be used solely for the purpose of helping you evaluate and enroll in Medicare plans. We will not sell or share your information with unauthorized third parties. 
  6. Approved Marketing Materials: All marketing materials and communications provided by Evyn Pollard are CMS-approved and meet the required standards. We ensure that all information presented is accurate, up-to-date, and not misleading. 
  7. Prohibition of Unsolicited Contact: We comply with CMS regulations prohibiting unsolicited contact, such as cold calling, door-to-door solicitation, or sending emails or text messages without your consent. Any communication you receive from us will be initiated by your request or in response to an inquiry you made. 
  8. Plan Availability: Medicare Advantage and Prescription Drug Plans are subject to availability and eligibility requirements. We will inform you if a plan is not available in your area or if you do not meet the eligibility criteria. 
  9. Complaint and Grievance Procedure: If you have any concerns or complaints about the services provided by Evyn Pollard, you have the right to file a complaint with us directly. We take all complaints seriously and will address them promptly in accordance with CMS guidelines. 

Security of Your Information 

We implement appropriate technical and organizational measures to protect your information from unauthorized access, disclosure, alteration, or destruction. However, please note that no method of transmission over the Internet or method of electronic storage is 100% secure. 

Your Rights 

You have the right to: 

  1. Access, update, or delete your personal information. 
  2. Restrict or object to the processing of your information. 
  3. Withdraw consent where we rely on your consent to process your information. 
  4. Lodge a complaint with a supervisory authority if you believe your privacy rights have been violated. 

Changes to This Privacy Policy and Disclosure Statement 

We may update our Privacy Policy and Disclosure Statement from time to time. We will notify you of any changes by posting the new Privacy Policy and Disclosure Statement on our website. You are advised to review this document periodically for any changes. 

Contact Us 

If you have any questions about this Privacy Policy and Disclosure Statement, please contact us at: 

Evyn Pollard 

Independent Licensed Insurance Broker 

BrokerPollard@gmail.com 

(720) 312-5255