Pricing Healthcare Notice of Privacy Practices

Effective December 1, 2012

Pricing Healthcare is committed to protecting the privacy of your personal information, including your medical information.

Part of that commitment is complying with the Privacy Rule of the Health Insurance Portability and Accountability Act of 1996 (HIPAA), which requires us to take additional measures to protect personal information and to inform our customers about those measures.

Website Privacy Policy

How we may collect and use your information

Our primary purposes in collecting your information are
  1. to offer you valuable services relating to healthcare pricing, comparisons, shopping, and bill management
  2. to improve our site, our features and content, and our company’s overall services
  3. to provide customized user access, to administer user accounts, and to enable users to enjoy and easily navigate the site.

Your privacy is not for sale.

What we collect from users directly

When you register on Pricing Healthcare’s web site, we ask for personally identifiable information that could be used to contact or identify you.  Personal information includes, but is not limited to your username and email address.  We will use your Personal Information to create an online account, to administer your account and inquiries, and to provide services on our site.

We also collect other information that you provide as part of registration and the administration of your account (e.g., user demographics, such as date-of-birth zip code, individual preferences, and associations with healthcare facilities and insurance carriers).

One of our site’s key features requires that we collect non-identifiable information from users’ medical bills, such as medical codes representing services and procedures, price information for those services, service dates, and other information from users’ bills.

Our services are designed to provide users with a place to collect, store, manage, and analyze their information.  We believe in the right of individuals to access their health information, and we maintain the Pricing Healthcare service in a manner that provides you with full access to your information.

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure, or destruction of information that may identify you personally.

How we use information supplied by users

Any information you provide relating to medical codes, medical prices, medical facilities and providers, insurance carriers and plans, and comparative ratings numbers will remain anonymous on our site.  The information you enter relating to the above fields, and all other data surrounding medical bill entries, will never be used to display results about you to another user.  Nor will it be used in a manner that another user could infer the data represented you in any way.

We may use your personal information in various ways, for instance:

  • to respond to an e-mail or particular request from you
  • to personalize the website for you, or otherwise deliver a product to you according to your preferences or restrictions
  • to process an application as requested by you
  • to provide you with information that we believe may be useful to you, such as information about health products or services provided by us or other businesses
  • to comply with applicable laws, regulations, and legal process
  • to protect someone's health, safety, or welfare
  • to protect our rights, the rights of affiliates or related third parties, or take appropriate legal action, such as to enforce our Terms of Use
  • to keep a record of our transactions and communications
  • as otherwise necessary or useful for us to conduct our business, so long as such use is permitted by law.

Information provided by you is also used to verify your authority to access the site, to contact you when reasonably necessary, and to allow Pricing Healthcare to administer or provide customer support to you for its services, as is reasonably necessary.

We may combine information you provide, absent any identifying factors, with similarly non-identifiable information from other users, in order to aggregate pricing and ratings information, to provide you a better experience, to increase the value of Pricing Healthcare services, and to analyze and understand how our site and services are used.  We may run analytics against composite, non-identifiable data.  We may sell reports of aggregated, non-identifiable data and analysis to you and to other individuals and organizations.

We may use your personal information in order to send you marketing or promotional materials from Pricing Healthcare, and any other information that may be of interest to you. If you decide at any time that you no longer wish to receive such communications from us, please follow the instructions provided to “unsubscribe” in any of the communications or update your preferences via the site.

Controlling Your Personal Information

Users may use our site to leave comments about healthcare facilities and professionals, insurance carriers, and other institutions relating to the healthcare industry.  These comments will be made public, but the source of the comments will remain private.  The user takes full responsibility for the content of the comments, including medical information and the revealing of any identifiable or non-identifiable protected information.

Pricing Healthcare may make available other ways for users to share content that may be visible to other users (such as chat rooms, forums, message boards, and other interactive features).  Be aware that when you voluntarily disclose personally identifiable information (e.g. user name, e-mail address) via forums, postings, profiles or other public areas of the site, that information, along with any substantive information disclosed in your communication, can be collected, correlated and used by third parties and may result in unsolicited messages from other posters or third parties.  Such activities are beyond our control. Please do not post any personal information on the public areas of the site that you expect to keep private.

Pricing Healthcare retains the right to remove any offensive content entered into any publicly visible feature on our site.

Referral Codes

Pricing Healthcare generates and uses a unique referral code for each user, for the purpose of tracking referrals and rewarding those who help spread the word about our site.  These codes contain no personal information, nor can they be used in place of or as a way to procure authentication information.  Any unauthorized use of the codes can only result in additional cost savings for the intended user.

Information Collected from Web Browsers

Our web servers collect information that your web browser sends whenever you visit our site.  This data may include information such as your computer’s IP address, pages of our site that you visit, the time spent on those pages, information you search for within our site, access times and dates, operating system, and other statistics. We use this information to monitor and analyze use of our site’s services and for the site’s technical administration, to increase our site’s functionality and user-friendliness, and to better tailor it to our visitors’ needs. We use this information to verify that visitors to the site meet the criteria required to process their requests, and to ensure the country of origin is one that is not prevented from accessing our site.  This information is also used to evaluate the effectiveness of our site and the effectiveness of any promotion of our site.  The monitoring of site visits does not provide us with any personal information about a visitor.  We do not treat this information as personal information, nor do we use it in association with other personal information, though we may aggregate, analyze and evaluate such information in order to add value to our site.  If we wish to gather such personal information, it will be requested via a form on the site that the user voluntarily completes and submits (the form will describe the way in which the information will be used).

Cookies

Like many websites, Pricing Healthcare uses web browser cookies to store and transmit small amounts of information from the Pricing Healthcare site.  We may use cookies on our site to:

  • enable certain functions and tools on this website
  • help you navigate our website, and assist you when experiencing website problems
  • facilitate the sign up and login process for our services
  • personalize your experience and better understand how you interact with the site
  • monitor aggregate usage by Pricing Healthcare web site visitors and registered users
  • track paths of visitors to this site and within this site
  • record any other general site statistics and activity
  • track resources and data accessed on the site
  • measure advertising and promotional effectiveness

All sensitive data in cookies for our site will be strongly encrypted and secured.  Both persistent and session-only cookies may be utilized on our site.  You can adjust the settings of your browser so as to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit.  If you choose to set your browser to not accept cookies, you may be prevented from using some or all of the functionality of our site.

Data Retention and Reviewing, Changing, or Deleting Your Information

We believe that users should have the ability to modify information in their account. Using our site, you may review, update, correct or delete health information that you have provided to us.  Your user profile and related personal information will be accessible from a link on this website with a heading such as "My Profile" or similar words.  Clicking on the link will take you to a page through which you may review your profile and related personal information.  Our support team will also have the ability to similarly review or update your information as requested by you.  The complete removal of all such information may result in a deactivated account.

We will retain your information, including personal information, for as long as your account is active or as needed to provide you services.  You may close your account at any time by contacting us (using the contact information specified below) and requesting that your account be closed.  Once you close your account, you will no longer be able to access the site as a registered user.  When closing your account, we will use commercially reasonable efforts to delete your personal information. We may retain an archived copy of your records as required by law or for legitimate business purposes.

Marketing Information

We may post customer testimonials and feedback on the site which may contain personal information. We will obtain a user’s consent via email prior to posting the testimonial or feedback in conjunction with such user’s personal information.

Online Map and Navigation Services

As part of our services, we may make available access to mapping or navigation software within our site.  If those features involve third-party software, and if you choose to access and use those features, you understand and agree that your use of such features will be subject to the owner of such technology.

Offers and Links to Other Web Sites

For your convenience, we may provide links to certain third party websites or referrals to certain third parties' products or services.  If you choose to visit a third party's website or use its products or services, please be aware that the third party's privacy policy, and not the Pricing Healthcare privacy policy, will govern your activities and any information you disclose while interacting with the third party.  The fact that we link to an external site is not an endorsement, authorization, or representation of our affiliation with that third party, nor is it an endorsement of their privacy or information security policies or practices.  We do not exercise control over other parties’ sites.  These sites may place their own cookies or other files on your computer, collect data, or solicit personal information from you.  We encourage you to read the privacy policies or statements of the other websites you visit.

Phishing

Identity theft and the practice known as “phishing” are of great concern to us.  Safeguarding information to help protect you from identity theft is a top priority.  We will not at any time request your credit card information, your login information, nor any national identification numbers in a non-secure or unsolicited e-mail or telephone communication.  For more information about phishing, visit the Federal Trade Commission’s website.

Policy Toward Children

This site is not directed to individuals under 18.  Nor do we knowingly collect personally identifiable information from children under 13.  We use reasonable means to prevent those under age 13 from registering on our site.  If a parent or guardian becomes aware that his or her child has provided us with personal information without their consent, he or she should contact us at suppornullt@nullpricingHealthcarnulle.cnullom.  If we become aware that a child under 13 has provided us with personal information, we will delete such information from our files.

General E-mail Communications

Most e-mail services, including any e-mail functionality on our site, do not provide a completely secure or confidential means of communication.  It is possible that your e-mail communication may be accessed or viewed inappropriately by another Internet user while in transit to us.  If you wish to keep your information completely private, you should divulge it using e-mail.  We may send e-mail communications to you regarding general topics such as website updates and changing healthcare industry conditions.

Other Online Communications

We may send you electronic newsletters, notification of account status, and other communications such as information marketing other products or services offered by us, on a periodic basis.  To opt-out of any specific electronic communication you're receiving, you may choose to “opt-out” of various types of communication.

Other Security

Pricing Healthcare is very concerned with safeguarding your information.  The security of your personal information is important to us.  We use a combination of firewall barriers, encryption techniques, and authentication procedures, among others, to maintain the security of your online session and to protect Pricing Healthcare accounts and systems from unauthorized access.  HTTP communications between users and our system are encrypted using Secure Socket Layer (SSL) technology.  Please be aware, however, that no transmission of information via the Internet can be entirely secure.  You should, therefore, always use caution when submitting personally identifying information online.

We go to great lengths to encrypt and secure the storage of your personal information in our system.  Our databases are protected from general access by our own employees, both physically and logically.  We encrypt your account password so that your password cannot be recovered, even by us.  All backup drives and tapes also are encrypted and maintained securely.  The Pricing Healthcare system is continuously monitored and regularly audited to maintain the highest possible security, performance, and reliability.

We will make any legally required disclosures of any breach of the security, confidentiality, or integrity of your unencrypted, electronically stored “personal data” (as defined in applicable state statutes on security breach notification).  Disclosures will generally be made via email or conspicuous posting on our site in the most expedient time possible and without unreasonable delay, insofar as consistent with (i) the legitimate needs of law enforcement or (ii) any measures necessary to determine the scope of the breach and restore the reasonable integrity of the data system.

How we may share or disclose information about you

We may provide your personally identifying information to those within the company and to other companies that provide services to help us with our business activities.  However, these parties are authorized to use your personally identifying information only as outlined in the sections below.

We may also disclose your personally identifying information
  • as required by law such as to comply with a subpoena, or similar legal process.  We will take commercially reasonable steps to notify you of such disclosures to the extent we are legally permitted to do so, or if we are required to provide your personal information to third parties as part of legal process.
  • when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a written government request .
  • if Pricing Healthcare becomes involved in a merger, acquisition, or any form of sale of some or all of its assets.  In such cases we will provide notice before personally identifying information becomes subject to a different privacy statement.
  • to any other third party with your prior consent to do so.

Internal Disclosure

We may give our employees and agents access to users’ personal information in the course of operating our businesses when reasonably necessary.  For example, if you were to send us an e-mail asking a question, we would provide your e-mail address to one of our employees or agents, along with your question, in order for that person to reply to your e-mail.  We may likewise share personal information with business units within the Company.

Service Providers

We may employ third party companies, affiliates, or other individuals to facilitate our services, to provide services on our behalf, to perform site-related services (e.g., without limitation, maintenance services, database management, web analytics and improvement of the Site’s features), or to assist us in analyzing how our site and services are used.  These third parties have access to your personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

For example, we may hire an outside company to help us send and manage e-mail, and in that case we might provide the outside company with your e-mail address and certain other information in order for them to send you an e-mail message on our behalf.  Similarly, we may hire outside companies to host or operate some of our websites and related computers and software applications.

We will share your personally identifying information with third parties only in the ways that are described in this Privacy Statement.  We do not otherwise sell, rent or trade personal information with third parties for their promotional or marketing purposes.  If you believe we or any company associated with the Company has misused any of your information please contact us immediately and report such misuse.

Disclosing Non-identifying Information

We may share aggregated information that does not include personal information, and we may otherwise disclose non-identifying information and web browser-supplied data with third parties for the enhancement of our services, for industry analysis, for demographic profiling, and for other purposes.  Any aggregated information shared in these contexts will not contain nor be linked to any personal information that can identify any individual person.

Non-personal Information

Because non-personal information does not identify who you are, we do not limit the ways we may use or share non-personal information.  For example, we may share non-personal information with our affiliates, suppliers, employees and agents, other businesses, and the government.

Password Security

We recommend you do not share your Pricing Healthcare password with anyone.  Other than when you log on to the web site, we will never ask you for your password.  Your personal information is protected by the password you provide when you create your user account.  Please keep this password confidential.  The confidentiality of your password is yours to protect.  You may change your password at any time by selecting the "Change Password" link or button in your account profile.

Medical Information Privacy Notice

In addition to the company’s policies outlined above, Pricing Healthcare ensures that personal health information is kept private and only used as allowed by law.

This Notice describes how medical information about you may be used and disclosed and how you can get access to this information.  Please read it carefully.

This Notice describes our obligations and your rights regarding the use and disclosure of medical information.  Pricing Healthcare is required to maintain the privacy of your protected health information and provide you with notice of our legal duties and privacy practices with respect to medical information about you.  We are required to abide by terms of our privacy Notice currently in effect.

How we collect and use your medical information

Pricing Healthcare collects both identifiable and non-identifiable medical information from registered users via screens on our site where the purpose for collecting this information is described.

It allows users to manage their medical information, compare prices, and at the same time allow their non-identifiable information to be aggregated with that from other users in a way that brings value to the entire user community.  This aggregated data may then be sold or otherwise shared with interested parties such as businesses, government, and our own affiliates, partners, employees, and members.

How we may disclose medical information about you

Within the Company.  We may give access to identifiable personal information to our support-oriented employees and agents, or other internal individuals acting in such a role, in the course of operating our businesses when reasonably necessary, such as in handling a support call from you, when the person answering the call may need to view some details of your account.

Our engineers and both technical and non-technical support staff, as well as those involved in privacy oversight and customer service, may be involved in the handling, use, and disclosure of protected information.

No employee or agent of Pricing Healthcare shall use or disclose protected medical information for unauthorized, malicious, illegal, or restricted purposes.  The company will use your non-identifiable medical information only for the purposes of developing services for your use.  Any failure to observe these standards will result in appropriate disciplinary action, not excluding termination from working with Pricing Healthcare.

As Required By Law.  We may need to disclose medical information about you when required to do so by federal, state or local law in certain exceptional circumstances.  For example, we may disclose medical information when required by a court order in a litigation proceeding.

Your rights regarding medical information about you

You have the following rights regarding medical information we maintain about you:

Right to Inspect and Copy.  You have the right to inspect and copy medical information about you.  To inspect and copy medical information that may be used to make decisions about you, you must submit your request in writing to Pricing Healthcare (see contact information below).  If you request a copy of the information, we may charge a fee for the costs of copying, mailing, or other supplies associated with your request.

We may deny your request to inspect and copy in certain very limited circumstances. If you are denied access to medical information, you may request that the denial be reviewed.

Right to Amend.  If you feel that medical information we have about you is incorrect or incomplete, you may ask us to amend the information.  You have the right to request an amendment for as long as the information is kept by or for our system.

To request an amendment, your request must be made in writing and submitted to Pricing Healthcare (see contact information below).  In addition, you must provide a reason that supports your request. We may deny your request for an amendment if it is not in writing or does not include a reason to support the request.  In addition, we may deny your request if you ask us to amend information that:
  • is not part of the medical information kept by us;
  • was not created by us, unless the person or entity that created the information is no longer available to make the amendment;
  • is not part of the information which you would be permitted to inspect and copy; or
  • is accurate and complete.

Right to an Accounting of Disclosures.  We take disclosure of your health information seriously and have implemented measures to create an accounting of certain instances in which your health information is accessed through our system.  You have the right to request an "accounting of disclosures" of your protected health information, where such disclosure was made for any purpose other than the uses by Pricing Healthcare as outlined above.

To request this list or accounting of disclosures, you must submit your request in writing to Pricing Healthcare (see contact information below).  Your request must state a time period which may not be longer than six years.  Your request should indicate in what form you want the list (for example, paper or electronic).

Right to Request Restrictions.  You have the right to request a restriction or limitation on the medical information we use or disclose about you.  You also have the right to request a limit on the medical information we disclose about you to someone who is involved in your care or the payment for your care, like a family member or friend.  We are not required to agree to your request. To request restrictions, you must make your request in writing to Pricing Healthcare (see contact information below).  In your request, you must tell us (1) what information you want to limit; (2) whether you want to limit our use, disclosure or both; and (3) to whom you want the limits to apply, for example, disclosures to your spouse.

Right to a Paper Copy of This Notice.  You have the right to a paper copy of this Notice. You may ask us to give you a copy of this Notice at any time.  Even if you have agreed to receive this Notice electronically, you are still entitled to a paper copy of this Notice.

Complaints

If you believe your privacy rights have been violated, you may file a complaint with Pricing Healthcare and the Secretary of the U.S. Department of Health and Human Services.  To file a complaint with Pricing Healthcare, contact our Corporate Headquarters (see below).  All complaints must be submitted in writing.  Pricing Healthcare will not engage in retaliation against any individual for filing complaint.

Changes to This Notice

We reserve the right to change this Notice. We reserve the right to make the revised or changed Notice effective for medical or other information we already have about you as well as any information we receive in the future.  We will notify you of any material changes to our privacy policy by posting the new privacy Notice on our web site.  You are advised to consult this Notice regularly for any changes.  The Notice will contain the effective date at the top of the first page.  Your continued use of the site will be subject to the then-current Notice on privacy practices.

Contact

If you have any questions about this Notice, please contact:

Pricing Healthcare, Inc.
Attention: Privacy Officer
PO Box 602
American Fork, UT 84003
Pricing Healthcare Support