Your Privacy is Our Business

We place high value on the privacy of our client’s personal information, as if it is our own.

During the course of a normal business day at Health Insurance Shop, Inc., we regularly and routinely receive and process personal information that would be considered sensitive in nature. This often includes both Protected Health Information (PHI) and Personal Identifying Information (PII). Along with annual training and required certifications, our staff is expected to adhere to our Corporate Privacy Policy with no exceptions.

Some of the things that we have done to ensure the privacy of your information include:

  • All paper files are secured by lock and key outside of normal business hours to avoid disclosure to unauthorized individuals.
    • Cleaning company personnel do not have access to these areas
  • Emails containing PHI or PII are sent via Citrix ShareFile encryption system
  • Paper filing system was relocated to a secure room
  • All visitors are required to wait in a separate lobby area to await escort by office staff
  • Prohibit use of restroom facilities to the public
  • Outside vendors are required to agree via written agreement to our privacy policy

To review our Corporate Privacy Policy, click here.

 

CMS Certification: What is it & What Does it Mean?

All agents/brokers who plan to enroll/assist/sell plans to individuals through the Federally Facilitated Marketplace (FFM) are required to complete training to ensure that they possess the knowledge essential to assisting individuals who are seeking health insurance options via the Affordable Care Act (ACA). Training objectives include but are not limited to:

  • Identify major health care reforms and consumer protections required under the Affordable Care Act, and the key Marketplace-related components
  • Define the term “Marketplace” and identify its key functions
  • Define the term “guaranteed issue”
  • Define the term “Medical Loss Ratio” (MLR)
  • Identify characteristics of a qualified health plan (QHP)
  • Identify services included in the essential health benefits (EHB) that a QHP must offer
  • Define Consumer Operated and Oriented Plans (CO-OP) health plans, Multi-state Plans (MSP), and Stand-alone Dental Plans
  • Identify the five levels of coverage, and the percentage of covered costs for each level offered by a Marketplace
  • Define actuarial value (AV) and how it is related to the five levels of coverage
  • Identify limits on cost sharing
  • Define and identify aspects of an effective rate review
  • Define family composition with regard to allowable rate variations
  • Identify aspects of the tobacco use surcharge
  • Define the key aspects of the Affordable Care Act that are relevant to agents and brokers
  • List the key eligibility requirements for enrollment in a qualified health plan (QHP)
  • For the Individual Marketplaces:
    • Describe the premium tax credit
    • List the key eligibility standards for cost-sharing reductions
  • For the SHOP Marketplaces:
    • List the qualification requirements for a small business owner to qualify for coverage through a SHOP
  • Identify the roles of agents and brokers in the Federally-facilitated Marketplaces
  • Identify the role of web-brokers
  • Identify the general registration process for agents, brokers, and web-brokers in the Federally-facilitated Marketplaces
  • Define Personally Identifiable Information (PII)
  • Identify the extent to which PII may be used and disclosed
  • Identify key privacy responsibilities and restrictions associated with PII under the Marketplaces
  • Define the term “information security”
  • Identify three key elements to protecting information
  • Identify the differences between threats, vulnerabilities, and risks to information
  • Identify certain controls that agents and brokers can take to protect information within the Marketplaces
  • List steps that agents and brokers can take to help promote information security in the Marketplaces
  • Identify types of security incidents
  • List steps for responding to a privacy breach as it relates to information security management

Following each training course, agents/brokers must satisfactorily pass a certification exam before they will be permitted to perform any role in the FFM. An agent/broker that has invested the time and resources to obtain the necessary certification(s) to assist clients and prospects alike should never be overlooked. It is a true sign of their commitment to providing the best level of professional service possible.