Privacy policy

Veteran Health Solutions LLC ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit veteranhealthsolutions.net or our benefits check at quiz.veteranhealthsolutions.net (together, the "Site"), or when you talk with us by phone, text message, or email.

Please read this policy carefully. By using our Site or submitting your information, you agree to the practices described below. This policy tells you what personal information we collect from you, why we collect it, how we use it and who we may share it with, the choices you have about how your information is used, and the steps we take to protect it.

It is always your choice whether to give us personal information. If you choose not to, we may not be able to answer your questions or help you review Medicare plan options.

Information We Collect

When you fill out a contact form, complete our benefits check, book an appointment, request a quote, or otherwise interact with us, we may collect your full name, email address, phone number (including mobile numbers), ZIP code and state of residence, the appointment day and time you choose, and any other information you voluntarily submit. We may also collect your answers to our benefits check, such as the branch of service you or your spouse served in, the health coverage you have now (for example Medicare, TRICARE for Life, CHAMPVA, or VA health care), your spouse's coverage, and the plan benefits that matter most to you.

We never ask for your Social Security number, Medicare number, or bank information on this Site. If you decide to enroll in a plan, the information the insurance carrier needs for your application is collected during your appointment with a licensed advocate or on the carrier's own application.

When you visit our Site, we may automatically collect certain technical information, including your IP address and general geographic location, browser type and version, the pages you visit and the steps of the benefits check you complete, time spent on the Site, the website, advertisement, or search terms that referred you, and your device type and operating system. This information is collected through cookies, pixels, server logs, and similar tracking technologies, as described under Cookies and Tracking Technologies below.

When you speak with us by phone, we may keep a recording of the call, a written transcript, and notes about what we discussed, such as the doctors and prescriptions you want covered. We also keep a record of the text messages and emails we exchange with you.

As a Medicare insurance agency, you may share general health coverage questions, your current doctors and prescriptions, or Medicare eligibility information with us. We treat any health-related information with care and confidentiality, consistent with applicable law, and we only use it to help you compare plans and, if you choose, to enroll.

How We Use Your Information

We use the information we collect to respond to your inquiries and provide Medicare plan information; to contact you by phone, email, or text message about Medicare Advantage, Medicare Supplement, and Part D plans you may qualify for; to schedule consultations and follow-up appointments and send appointment reminders; to help you enroll in a plan if you decide to; to send you updates, newsletters, or information about plan changes where you have opted in; to ask for your opinion through short surveys about our service; to train our team and check the quality of our service; to measure and improve our Site, our advertising, and our services; to comply with legal and regulatory obligations, including Medicare marketing rules and carrier audits; and to detect, prevent, or investigate fraud or security issues.

We use your information only for the purpose you gave it to us and the uses described in this policy. If we ever want to use personal information in a way that is materially different from what we told you when we collected it, we will tell you first and give you a choice.

Phone Calls, Call Recording, and Automated Technology

Calls with Veteran Health Solutions may be monitored or recorded for quality assurance, training, compliance, and record-keeping. Where the law requires it, we will tell you at the start of the call that it is being recorded.

When you submit our form and agree to be contacted, you consent to receive calls and text messages from Veteran Health Solutions and its licensed advocates at the number you provided, which may include calls placed with automated technology and prerecorded or artificial voice messages, including an automated assistant. Consent is not a condition of purchase.

We may use technology providers to place or answer calls, transcribe calls, and draft call notes. These providers process information only to provide that service to us.

You can ask us to stop calling at any time by telling the person or assistant on the call, replying STOP to a text message, or emailing us. We will add your number to our internal do-not-call list.

How We Share Your Information

We do not sell, rent, or lease your personal information or our customer lists. We may share your information only in the limited circumstances described here.

To provide you with Medicare plan quotes or enrollment assistance, we may share your information with licensed insurance carriers, CMS-approved plans, or their authorized representatives. We may use trusted third-party vendors, such as CRM platforms, scheduling, calling, call recording and transcription services, email services, text message providers, and website hosting, who process data on our behalf under confidentiality agreements.

Our Site uses tools such as the Meta Pixel to measure how our ads perform. These tools may receive technical information about your visit and the fact that you completed a step, such as submitting the form. We do not share your benefits check answers or any health information with advertising partners.

We may share records with the insurance carriers we are appointed with, our field marketing organization, and outside auditors who review our sales and marketing for compliance and who agree to keep the information confidential. We may share combined statistics that cannot reasonably be used to identify you. We may disclose information when required by law, subpoena, court order, search warrant, or government authority, and as needed to enforce our Terms of Service or to protect the rights, property, or safety of Veteran Health Solutions, our clients, or others. In the event of a merger, acquisition, or sale of our business, your information may be transferred to a successor entity. We may also share information in any other way we describe to you when you give it to us, or that you agree to.

Within Veteran Health Solutions, your information is only available to the people who need it to answer your questions, prepare plan information, or help you enroll. We require all third parties to respect your privacy and handle your data in accordance with applicable law.

Text Messaging Policy

By providing your mobile phone number and agreeing to the consent language on our contact form, you expressly consent to receive text messages from Veteran Health Solutions LLC related to your Medicare inquiry, appointment reminders, or plan information. This consent is not a condition of receiving any service or purchasing any insurance product. Message frequency varies based on your inquiry and the stage of your Medicare consultation. Standard message and data rates from your carrier may apply. You can opt out at any time by replying STOP to any text message we send. For help, reply HELP or email us at info@veteranhealthsolutions.net. Mobile opt-in data and consent will not be shared with third parties for marketing or promotional purposes.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, satisfy legal obligations (including Medicare and insurance record-keeping requirements, which can require us to keep records of marketing and enrollment for several years), resolve disputes, and enforce our agreements. When your information is no longer needed, we securely delete or anonymize it.

Your Rights and Choices

Depending on your state of residence, you may have the right to access the personal information we hold about you, request correction of inaccurate information, and request deletion of your information, subject to legal exceptions. You may opt out of text messages, phone calls, and marketing emails at any time. To opt out of marketing emails, click "unsubscribe" in any marketing email.

To exercise any of these rights, or simply to stop hearing from us, contact us at info@veteranhealthsolutions.net or by mail at the address listed below. If you opt out of communications from a third-party website, you must do so on that website. We will continue to protect any information we already have in line with this policy.

Cookies and Tracking Technologies

Our Site may use cookies, pixels, web beacons, and similar tracking technologies to improve your experience, remember your progress through the benefits check, analyze Site traffic, measure our advertising, and serve relevant content. You can control cookie settings through your browser preferences, and you can manage ad preferences in your Facebook and Instagram settings. Disabling cookies may affect some functionality of the Site.

We may use Google reCAPTCHA on our contact forms, which is subject to Google's Privacy Policy and Terms of Service.

Security

We use reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction, both online and offline. However, no method of transmission over the Internet or method of storage is completely secure, and we cannot guarantee absolute security.

Children's Privacy

Our Site is not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If we learn that we have collected information from someone under 18, we will promptly delete it. If you believe we have collected information from a minor, please contact us. Anyone under 18 must have a parent's or guardian's permission to use this Site.

Third-Party Links

Our Site may contain links to third-party websites, such as insurance carriers, Medicare.gov, or appointment tools. We are not responsible for the privacy practices or content of those sites. When you leave our Site, we encourage you to read the privacy policy of every website that collects your personal information.

What This Policy Does Not Cover

This policy covers information collected through our Site and through our own calls, text messages, and emails with you. It does not cover information collected by companies we do not control or by people we do not employ or manage. If you enroll in a plan, the insurance carrier collects and uses your information under its own privacy notice.

California Residents

If you are a California resident, you may have additional rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, including the right to know, correct, and delete your personal information, and to opt out of the sale or sharing of your personal information. We do not sell personal information. To submit a request, contact us at info@veteranhealthsolutions.net. We will not discriminate against you for using these rights.

Medicare and Insurance Disclaimers

Veteran Health Solutions LLC is an independent insurance agency, and our advocates are licensed to sell insurance. We are not affiliated with or endorsed by the U.S. government, the federal Medicare program, the Centers for Medicare and Medicaid Services, the Department of Veterans Affairs, the Department of Defense, or TRICARE.

We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov, 1-800-MEDICARE (TTY users 1-877-486-2048), 24 hours a day, 7 days a week, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.

Plan availability, benefits, premiums, and costs vary by plan and by county, and not every plan offers every benefit. A Part B premium reduction, sometimes called a Part B giveback, is a benefit of certain Medicare Advantage plans that lowers the Part B premium you pay. It is not offered by every plan, and the amount varies by plan and location. You must continue to pay your Medicare Part B premium unless it is paid for you by Medicaid or another third party.

Information on this Site is general information, not legal, medical, or financial advice. Before you enroll, a licensed advocate will review your current coverage, including VA and TRICARE benefits, with you. Submitting a form or speaking with us never obligates you to enroll in any plan. Our help is free to you. We are paid by the insurance carriers.

Acceptance of This Policy

By using this Site, you accept the terms of this Privacy Policy. If you do not agree, please do not use the Site. Your continued use of the Site after we post changes to this policy means you accept those changes.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the "Last Updated" date at the top of this page. If a change materially affects how we use personal information we already collected, we will notify you by email or another reasonable method before the change applies to you. We encourage you to review this page periodically.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact Veteran Health Solutions LLC at 410 E Route 66, Glendora, CA 91740, by email at info@veteranhealthsolutions.net, or through our website at veteranhealthsolutions.net.