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NOTICE OF PRIVACY PRACTICES: AMERICAN EXCHANGE

THIS NOTICE OF PRIVACY PRACTICES DESCRIBES HOW YOUR INFORMATION MAY BE USED, DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

This Notice of Privacy Practices (the “Notice”) describes the legal obligations of American Exchange and your legal rights regarding your protected health information held under the Health Insurance Portability and Accountability Act of 1996 (HIPAA), the Health Information Technology for Economic and Clinical Health Act (HITECH Act) and the regulations promulgated pursuant to the foregoing laws. Among other things, this Notice describes how your protected health information may be used or disclosed to carry out payment or health care operations or for any other purposes that are permitted or required by law.

We are required to provide this Notice of Privacy Practices to you pursuant to HIPAA.

The HIPAA Privacy Rule protects only certain medical information known as “protected health information.” Generally, protected health information is health information, including demographic information, collected from you or created or received by a health care provider, a health care clearinghouse, a health plan, or your employer on behalf of a group health plan, from which it is possible to individually identify you and that relates to (1) your past, present, or future physical or mental health or condition; (2) the provision of health care to you; or (3) the past, present, or future payment for the provision of health care to you.

Effective Date

This Notice is effective as of JANUARY 1ST, 2018

Our Responsibilities

We are required by law to (1) maintain the privacy of your protected health information; (2) provide you with certain rights with respect to your protected health information; (3) provide you with a copy of this Notice of our legal duties and privacy practices with respect to your protected health information; and (4) follow the terms of the Notice that is currently in effect.

We reserve the right to change the terms of this Notice and to make new provisions regarding your protected health information that we maintain, as allowed or required by law. If we make any material change to this Notice, we will provide you with a copy of our revised Notice of Privacy Practices by posting it on our website as of the effective date of the material change www.americanexchange.com and by providing information about the material change to our Notice and information on how to obtain the revised Notice in our next annual mailing.

How We May Use and Disclose Your Protected Health Information

Under the law, we may use or disclose your protected health information under certain circumstances without your permission. The following categories describe the different ways that we may use and disclose your protected health information. For each category of uses or disclosures we will explain what we mean and present some examples. Not every use or disclosure in a category will be listed. However, all of the ways we are permitted to use and disclose information will fall within one of the categories.

For Premium Payment. We may use or disclose your protected health information to facilitate payment of certain health plan charges and fees for the treatment and services you receive from health care providers. For example, we may use or disclose your protected health information to facilitate payment of health plan premiums if you participate in a third party payment arrangement.

For Reporting Premiums to a Case Manager or State Based. We may use and disclose your protected health information for insurance service operations. These uses and disclosures are necessary to ensure the proper functioning of your health insurance. For example, we may use and disclose your protected health information to communicate the status of your health plan to a Case Manager(only in instances that your enrollment and education is tied to a state based organization or case manger. If you are a consumer working directly with American Exchange and not related to a State Based, Federal Based, or Case Manger, your information will not be shared.

For Assisting you with Service Issues. We may use your protected health information to discuss or initiate any customer service inquires submitted by you or on your behalf. For Example, if your premium payments are past due, we may use your PHI to assist you with tracking down the reason for the late payment or to track the payment if it’s already been made.

To Act as your Agent of Record. We may use your protected health information to act as your agent with your health insurance carrier, including signing an agent of record for on your behalf to ensure that we are listed as agent of record with the health insurance carrier. For example, we may contact the health insurance carrier directly to assist with any customer service issues and we must be listed as agent of record to be able to speak with the health insurance carrier on your behalf.

If you do not wish to agree to these terms and conditions, then please contact our Compliance Team via email at compliance@americanexchange.com.