Privacy Policy

1. Introduction & Scope

American Health Plan (“Company”, “we”, “us”, or “our”) operates the website located at americanhealthplan.us. We are committed to maintaining the confidentiality, integrity, and security of personal information entrusted to us by our visitors, prospective policyholders, and enrolled members.

This Privacy Policy explains how we collect, utilize, store, share, and protect your Personally Identifiable Information (PII) and Protected Health Information (PHI) when you visit our website, complete our quote eligibility forms, or interact with our licensed insurance agents and customer care navigators.

2. Information We Collect

We collect information in three ways: directly from you, automatically through your device, and from verified third-party partners.

A. Information You Provide Directly

• Contact Details: Full name, postal address, ZIP code, email address, and primary telephone number.
• Demographic Information: Date of birth, age, gender, and household size.
• Healthcare Coverage Needs: Current Medicare enrollment status, preferred doctors, prescription medications, and coverage preferences (e.g., Medicare Advantage vs. Medigap).

B. Information Collected Automatically

When you navigate our website, our web servers and analytics tools may automatically record device information, including IP address, browser type, operating system, referring URLs, pages visited, and interaction timestamps.

3. How We Use Information

American Health Plan processes your personal information for lawful and legitimate insurance brokerage purposes, including:

• Calculating health and Medicare plan eligibility based on your geographic ZIP code and age.
• Connecting you with licensed insurance agents or our contracted Marketing & Carrier Partners to present quote options.
• Delivering electronic quotes, confirmation notices, and policy summaries via email, SMS, or telephone.
• Complying with state insurance department regulations, CMS marketing guidelines, and anti-fraud mandates.
• Maintaining our internal Do Not Call registry and managing consumer communication preferences.

4. Information Sharing & Carrier Partners

We do not sell your personal information to unauthorized third-party brokers for unrelated promotional campaigns. We disclose information only under the following strict conditions:

• Licensed Insurance Carrier Partners: When you request quotes, your contact and eligibility details are transmitted to our contracted carrier partners (such as Humana, UnitedHealthcare, Aetna, Cigna, Anthem/Elevance, and regional Blue Cross Blue Shield affiliates) to facilitate your requested plan enrollment. View our full Marketing & Carrier Partners List.
• Service Providers: Cloud hosting, CRM software, telephony systems, and security vendors under strict confidentiality and data protection agreements.
• Legal & Regulatory Compliance: In response to valid subpoenas, court orders, or audit inquiries from state Departments of Insurance or the Centers for Medicare & Medicaid Services (CMS).

5. HIPAA & Protected Health Information (PHI)

To the extent American Health Plan receives, creates, or transmits Protected Health Information (PHI) subject to the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the Health Information Technology for Economic and Clinical Health (HITECH) Act, we comply with all applicable privacy, security, and breach notification rules.

PHI will only be utilized or disclosed for Treatment, Payment, and Health Care Operations (TPO), or as specifically authorized by you in writing.

6. State Privacy Rights (CCPA / CPRA & State Laws)

Residents of California, Virginia, Colorado, Connecticut, Texas, and other states with enacted privacy statutes possess specific legal rights regarding their personal data:

• Right to Know / Access: Request disclosure of the categories and specific pieces of personal information collected.
• Right to Delete: Request deletion of personal information, subject to statutory insurance record retention requirements.
• Right to Correct: Request correction of inaccurate personal data.
• Right to Opt-Out: Exercise your right to opt-out of personal information sharing by visiting our Do Not Sell / Opt-Out portal.

7. Cookies & Tracking Technologies

We use session cookies, persistent cookies, and analytical pixels to provide secure site navigation, remember form inputs, and evaluate website performance. You can manage or disable cookies via your browser settings without restricting your ability to request quotes online at americanhealthplan.us.

8. Data Security Measures

We implement multi-layered physical, technical, and administrative safeguards to protect your personal information. These include 256-bit TLS/SSL encryption for data in transit, AES-256 encryption for data at rest, role-based access restrictions, and regular vulnerability scanning.

9. Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, satisfy insurance department compliance audits (typically 7 to 10 years per state regulatory standards), and resolve legal disputes.

10. Contact Our Privacy Officer

If you have questions regarding this Privacy Policy or wish to exercise your legal data privacy rights, please contact our Compliance Office: