1. Introduction

At Bluebonnet Benefits, we value your privacy and are committed to protecting your personal and health information. This Privacy Policy explains how we collect, use, share, and safeguard your information when you visit our website or engage our insurance advisory services. We comply with applicable privacy laws, including the Health Insurance Portability and Accountability Act (HIPAA).

By using our website or providing your information, you agree to the terms of this Privacy Policy.

2. Information We Collect

We may collect the following types of information:

a. Personal Information

Information that identifies you personally, such as:

• Name, address, email address, and phone number

• Date of birth

• Insurance preferences or questions you share with us

b. Health and Insurance Information (Protected Health Information or PHI)

When helping you with insurance enrollment or quotes, we may collect information such as:

• Current or prior insurance coverage

• Medicare or Marketplace eligibility details

• Medical history or healthcare provider information (only if required for insurance purposes)

c. Website and Technical Data

• IP address, browser type, device information

• Pages visited and website usage data collected via cookies or analytics tools

3. How We Use Your Information

We use your information to:

• Provide insurance advice, quotes, and enrollment services

• Communicate with you about your options

• Process applications and verify eligibility

• Improve our website, services, and user experience

• Comply with legal and regulatory obligations

We will not sell or rent your personal or health information to any third party.

4. HIPAA Compliance

When you share personal health or insurance information with us, that information may be classified as Protected Health Information (PHI) under HIPAA.
We are committed to handling PHI in compliance with HIPAA privacy and security standards. This means we will:

• Use your PHI only for the purposes of providing insurance services or as required by law

• Obtain your authorization before sharing PHI with third parties (unless permitted or required by law)

• Maintain administrative, technical, and physical safeguards to protect your information

If we act as a Business Associate of a health plan or provider, we will comply with all relevant HIPAA Business Associate Agreement (BAA) requirements.

5. Information Sharing

We may share your information only when necessary to:

• Submit applications or verify coverage with insurers, healthcare providers, or government programs (such as Medicare or the Marketplace)

• Work with trusted vendors who assist in website hosting, email, or data management (under confidentiality and security agreements)

• Comply with legal or regulatory requirements

We do not share your information for marketing purposes without your consent.

6. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, or misuse.
This includes:

• Secure, encrypted data storage and transmission

• Limited access to personal data by authorized personnel only

• Regular security reviews and updates

However, no system is completely secure, and we cannot guarantee absolute protection against all possible threats.

7. Cookies and Analytics

Our website may use cookies or analytics tools to enhance user experience and understand site traffic.
You can disable cookies through your browser settings, though some site features may not function properly without them.

8. Your Rights

You have the right to:

• Access and request a copy of your personal or health information

• Request corrections or updates to your data

• Request restrictions on how your information is used or shared

• Withdraw consent or request deletion of your information, as permitted by law

• File a complaint if you believe your HIPAA rights have been violated

To exercise these rights, contact us at info@bluebonnetbenefits.com. You may also file a complaint directly with the U.S. Department of Health and Human Services (HHS) Office for Civil Rights.

9. Links to Other Websites

Our website may contain links to external websites. We are not responsible for the content or privacy practices of those third-party sites.

10. Updates to This Policy

We may update this Privacy Policy periodically. The revised version will be posted on this page with a new “Effective Date.” We encourage you to review it regularly.

11. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

Bluebonnet Benefits
📧 info@bluebonnetbenefits.com