Privacy Policy

1. Introduction

SwitchBlue Insurance Agency LLC ("SwitchBlue," "we," "us," or "our") is committed to protecting the privacy and security of our users and clients. As a licensed independent insurance agency, we provide educational content, plan comparison engines, and personalized consultation services related to Medicare Advantage (Part C), Medicare Prescription Drug (Part D), and Medicare Supplement (Medigap) plans.

This Privacy Policy describes how we collect, use, disclose, and protect personal and health-related information when you visit our website (www.switchblueinsurance.com) or interact with our licensed insurance agents.

2. Information We Collect

To provide you with accurate Medicare plan evaluations and personalized quotes, we may collect several types of information:

• Contact Information: First name, last name, phone number, email address, and mailing address.
• Demographic Information: Date of birth, gender, and ZIP code (essential to determine plan availability in your county).
• Medicare-Specific Status: Information on whether you are turning 65, already enrolled, or currently experiencing a Special Enrollment Period (SEP).
• Healthcare Preferences (Optional): Answers to our interactive questionnaire, such as your doctor network preferences, premium priorities, and prescription drug usage frequency.
• Usage Data: IP address, browser type, operating system, and pages visited to help us optimize your experience on our website.

3. How We Use Your Information

We use the information we collect to run our agency operations and serve our prospective clients in full accordance with insurance law:

• To analyze localized plan options that match your county and preferences.
• To connect you with a certified, licensed independent insurance agent.
• To contact you (via phone, text, or email) to discuss your Medicare queries, schedule consultations, or complete pre-enrollment questionnaires.
• To verify your identity and prevent fraudulent activities.
• To comply with CMS records preservation regulations (licensed agents are required to store communication records for a minimum of 10 years).

4. CMS & HIPAA Compliance

SwitchBlue operates under strict compliance with the **Centers for Medicare & Medicaid Services (CMS)** and federal privacy standards.

The Health Insurance Portability and Accountability Act (HIPAA): While simple inquiry forms on our website do not constitute official medical records, any personal health information (PHI) you share with us (such as prescription drugs or medical histories) is protected in accordance with the security and privacy goals of HIPAA. We utilize secure socket layer (TLS/SSL) encryption, role-based database permissions, and secure server host environments.

CMS Recording Rules: Under current CMS rules, all phone conversations where Medicare Advantage or Part D plans are discussed must be recorded and securely archived for 10 years. Before any recorded discussion, your licensed agent will explicitly state the recording notice.

5. TCPA & Consent to Contact

In compliance with the **Telephone Consumer Protection Act (TCPA)** and CMS regulations, we require your explicit, affirmative consent before we make marketing or solicitation calls to your phone.

If your phone number is listed on a state or federal "Do Not Call" registry, your submission of our web forms acts as an official exception, granting us temporary permission to call you regarding your request.

6. Information Sharing

Strict Privacy Guarantee: We do not sell, rent, trade, or share your personal information with third-party lead brokers, data harvesters, or unaffiliated marketers.

We only disclose your information to third parties in the following strictly limited situations:

• Insurance Carrier Submission: When you choose to enroll in a Medicare plan, we securely transmit your completed application data to the selected insurance carrier (e.g., UnitedHealthcare, Humana, Aetna, etc.) to initiate your policy.
• Legal Requirements: If required by law, CMS audit, subpoena, or to protect the safety, rights, and security of our agency, users, or the public.

7. Data Security

We have implemented comprehensive administrative, physical, and technical safeguards to keep your personal data secure:

• **Encryption:** All data transmitted between your browser and our servers is secured using modern TLS 1.2/1.3 encryption protocols.
• **Access Auditing:** Only certified agents and personnel who have passed rigorous federal background checks and Medicare certifications (such as AHIP certification) are allowed to view consumer contact records.
• **Network Firewalls:** Our servers are guarded by premium threat detection services and active network isolation rules.

8. Opt-Out & Your Rights

You retain complete authority over your communication preferences. You can update or withdraw your consent at any time:

If you have any questions or concerns about this Privacy Policy, please contact our Compliance Officer at: