Notice of Privacy Practices (HIPAA)

Effective Date: May 14, 2026

This Notice of Privacy Practices describes how health information about you may be used and disclosed and how you can get access to this information. Please review it carefully.

Our Responsibilities

Senior Benefit Services is committed to protecting the privacy and security of health information that may identify you. When we create, receive, maintain, or transmit protected health information, we follow applicable privacy and security requirements.

We are required to:

1. Maintain the privacy of protected health information.
2. Provide you with this Notice of our legal duties and privacy practices.
3. Follow the terms of the Notice currently in effect.
4. Notify affected individuals following a breach of unsecured protected health information when required by law.

How We May Use and Disclose Your Health Information

We may use or disclose your health information for the following purposes.

Services and Support

We may use or disclose health information to help provide, coordinate, or support Medicare insurance guidance, plan comparison services, application assistance, customer support, and related communications.

Payment

We may use or disclose information to process payments, commissions, billing records, refunds, account records, or related financial transactions when applicable.

Business Operations

We may use or disclose health information for business and operational purposes, including quality review, customer service, compliance, staff training, recordkeeping, fraud prevention, and internal administration.

Other Uses and Disclosures Permitted or Required by Law

We may use or disclose your health information without your written authorization when permitted or required by law, including:

1. To comply with federal, state, or local law.
2. To respond to lawful requests from public health authorities.
3. To cooperate with health oversight activities.
4. To respond to court orders, subpoenas, or lawful legal process.
5. To assist law enforcement when permitted by law.
6. To prevent or lessen a serious threat to health or safety.
7. To support insurance applications, enrollment, plan servicing, or related activities requested by you.
8. To authorized service providers or business associates that perform services for us and agree to protect the information.

Uses and Disclosures Requiring Your Written Authorization

We will not use or disclose your protected health information for purposes that require authorization unless you give written authorization.

Uses and disclosures that may require written authorization include:

1. Certain marketing communications, where required by law.
2. Sale of protected health information, where applicable.
3. Uses or disclosures not otherwise permitted by this Notice or applicable law.

You may revoke an authorization in writing at any time, except to the extent we have already relied on it.

Your Rights

You have the following rights regarding your protected health information, subject to applicable legal limitations.

Right to Inspect and Copy

You may request to inspect or receive a copy of protected health information we maintain about you. We may charge a reasonable cost-based fee when permitted by law.

Right to Request an Amendment

You may request that we correct or amend protected health information if you believe it is incorrect or incomplete. We may deny the request in certain circumstances, but we will explain the reason in writing.

Right to an Accounting of Disclosures

You may request a list of certain disclosures of your protected health information. This list will not include all disclosures, such as disclosures made for services, payment, business operations, or those made with your authorization.

Right to Request Restrictions

You may request that we restrict certain uses or disclosures of your protected health information. We are not required to agree to all requested restrictions, except where required by law.

Right to Request Confidential Communications

You may request that we contact you in a certain way or at a certain location. We will accommodate reasonable requests.

Right to Receive a Paper Copy

You may request a paper copy of this Notice at any time, even if you agreed to receive it electronically.

Right to Be Notified of a Breach

You have the right to be notified if we discover a breach of unsecured protected health information involving your information, when notice is required by law.

Complaints

You may file a complaint if you believe your privacy rights have been violated.

You may also file a complaint with the U.S. Department of Health and Human Services Office for Civil Rights if applicable. We will not retaliate against you for filing a complaint.

Changes to This Notice

We may change this Notice at any time. Any revised Notice will apply to information we already have, as well as information we receive in the future. The current Notice will be posted on our website.

Contact Information

Senior Benefit Services
Website: https://seniorbenefitclient.com/
Phone: (800) 924-4727

Hagerstown Office
13511 Label Lane, Suite 204
Hagerstown, MD 21740
Phone: (301) 733-0085

Thurmont Office
112A East Main Street
Thurmont, MD 21788
Phone: (301) 271-4040

Cumberland Office
309 Willowbrook Road, Suite 1
Cumberland, MD 21502
Phone: (301) 722-1414

Mt. Pleasant Office
814 Johnnie Dodds Blvd A
Mt. Pleasant, SC 29464
Phone: (800) 924-4727