Privacy Policy

Health Option One, LLC d/b/a Insurance Care Direct (the COMPANY) cares about your privacy. This Privacy Policy (PRIVACY POLICY) outlines how the COMPANY collects and processes your personal information, which may include Personal Identifiable Information (PII), Non-Personal Information (NPI), Payments Information (PCI), and/or Protected Health Information (PHI) (collectively known as PRIVATE INFORMATION).

Regulatory Compliance

In pursuit of collecting and securing your PRIVATE INFORMATION, the COMPANY actively complies with all relevant local, state, and federal regulations. For more information on our current regulatory practices, please contact us using the information at the end of this PRIVACY POLICY.

Data Categorization

The COMPANY categorizes PRIVATE INFORMATION into the following set of categories:

Personal Identifiable Information (PII)

We may collect Personal Identifiable Information (PII) and other information required to facilitate the user of our products and services (PRODUCTS AND SERVICES) to you.

This data will only be shared with the parties necessary to provide our PRODUCTS AND SERVICES that you have registered for.

Non-Personal Information (NPI)

We may collect Non-Personal Information (NPI) which includes analytical information about you, such as your browser type, your internet service provider, your IP address, and more. This information lets us see how users find our PRODUCTS AND SERVICES, and it tells us which features users visit most frequently so we can make our PRODUCTS AND SERVICES more useful.

Payment Card Information (PCI)

In order to process any required payments, we may also collect Payment Card Information (PCI) from you, including your credit card account holder name, credit card number, and billing address. This information will be passed to our payments gateway for processing and will not be shared with anyone else.

Protected Health Information (PHI)

We may need to gather and process Protected Health Information (PHI), as defined by the Health Insurance Portability and Accountability Act of 1996 (HIPAA). This information relates to past, present, and future health care and/or payment for such health care services of you or your dependents.

PHI may be shared with healthcare providers, insurance carriers, and/or other vendors to facilitate the processing of claims. The COMPANY may also provide your PHI to governmental regulatory bodies, including, but not limited to, a state insurance department, and the Office of Civil Rights, the Department of Health and Human Services, or law enforcement agencies.


Our PRODUCTS AND SERVICES may use cookies and other technologies to gather PRIVATE INFORMATION. These technologies can help us better understand user behaviour to improve our PRODUCTS AND SERVICES and create a better user experience for you. These technologies tell us which part of the website people have visited and what services are popular. We can also use such information to deliver customized content and advertising to users of the services whose behaviour indicates that they are interested in a particular subject area and measure the effectiveness of advertisements and web searches.

If you prefer not to have information collected through the use of cookies, you can configure your internet browser to reject cookies. If you choose to decline cookies, our PRODUCTS AND SERVICES will not be fully functional. Because there is not yet a consensus on how companies should respond to web browser-based do-not-track (DNT) mechanisms, we do not respond to web browser-based DNT signals at this time.

Information Usage

We use personal information we collect for purposes allowed by applicable laws, including:

  • To provide our PRODUCTS AND SERVICES to you and respond to your inquiries and other communications, such as information, products, or services that you request from us or that we feel may interest you.
  • Operate, evaluate, and improve our PRODUCTS AND SERVICES.
  • Provide you with administrative notices, such as to inform you about changes to this Policy and our TERMS.
  • Tailor the content that we display to you in our PRODUCTS AND SERVICES and communications, including advertising, and offer opportunities and information that we believe may be of interest to you.
  • For our business purposes; such as data analysis, audits, developing new products and features, enhancing our website, improving our PRODUCTS AND SERVICES, identifying usage trends, and determining the effectiveness of our promotional campaigns.
  • Comply with and enforce as needed applicable legal requirements, industry standards, our policies, and our contractual rights.

For any other purpose specified at the point of collection or as described in your express authorization.

We also may use and disclose non-personal, non-individual statistics, or demographic information in aggregate form without restriction.

Information Sharing

We will not disclose PRIVATE INFORMATION to third parties without your consent, except in the following circumstances:

  • As you direct us, such as with healthcare insurance providers and health plans that you have applied to using our PRODUCTS AND SERVICES, and for other such purposes that you specify.
  • We may share information with our related subsidiaries and affiliates, subject to the terms of this PRIVACY POLICY and as permitted by law.
  • We may share your information as permitted by law, including, for example, with legal affiliates and service providers that we believe need the information to perform a technology, business, or other professional function for us (examples include IT services, maintenance, and hosting of our PRODUCTS AND SERVICES, marketing partners, and other service providers)—we provide such vendors with information so that they can perform their required functions on our behalf, in accordance with this PRIVACY POLICY and applicable law.
  • We may disclose information about you: (i) if we are required to do so by law or legal process; (ii) when we believe disclosure is necessary to prevent harm or financial loss; (iii) in connection with an investigation of suspected or actual fraudulent or illegal activity; or (iv) under exigent circumstances to protect the personal safety of our staff, users, or the public.
  • We reserve the right to transfer the information that we maintain in the event of a contemplated or actual sale or transfer of all or a relevant portion of our business or assets—if such an event occurs, we will make reasonable efforts to direct the recipient to use your personal information in a manner that is consistent with this PRIVACY POLICY.

Where appropriate, we will limit the sharing of your PRIVATE INFORMATION in accordance with the choices you have provided us and applicable law. We may use and disclose aggregated and/or DE identified information that does not identify an individual.

Rights and Choices

  • Emails From time to time, we may contact you via email or through other channels for the purpose of providing announcements, promotional information and/or other general communications. We will not use your PHI for marketing except as permitted by HIPAA, such as with your written authorization. If you wish to opt out of receiving any marketing emails or other such communications from us, you will be provided with the opportunity to unsubscribe. Even if you opt out of receiving such communications, we may continue sending you non-marketing email communications, such as administrative, transaction alerts, or information about changes to one or more of our policies.
  • Cookies Web browsers may offer users the ability to disable receiving certain types of cookies; however, if cookies are disabled, some features or functionality of our PRODUCTS AND SERVICES may not function correctly.
  • Targeted Advertising Where permitted by law, we may work with advertising partners who collect information about your online activities and provide you with choices regarding the use of your browsing behaviour for purposes of targeted advertising.
  • Patient Records You are entitled under HIPAA to exercise certain rights regarding your PHI, such as access to patient records. For more information, please see your applicable HIPAA Policy.

State-Specific Notices

Certain states, including California, may provide rights to individuals and households with respect to the collection and use of personal information collected by businesses subject to the law. This may include the right to request that a business: (1) disclose personal information maintained about the individual; (2) correct or delete personal information maintained about the individual (subject to certain exceptions); or (3) opt out you out of any sharing/selling of your personal information, third party targeted advertising and the use of your sensitive personal information for purposes other than those you provided it. It can be unlawful to discriminate against an individual for exercising such rights. You can submit such requests to us via the contact information provided below and we will endeavour to fulfil any obligations that are legally-required, otherwise we will respond to requests at our discretion. Note, however, that these rights do not apply to PHI, which is instead subject to HIPAA and our applicable HIPAA Policy.

Information Protection

We maintain reasonable administrative, technical, and physical safeguards designed to protect information about our website visitors in our possession and control, and to protect such information from loss, misuse, unauthorized access, disclosure, alternation, or destruction. However, we cannot ensure the security of any information that you transmit to us, or guarantee that this information will not be accessed, disclosed, altered, or destroyed. We will make any legally required disclosures in the event of any compromise of your PRIVATE INFORMATION.


Our PRODUCTS AND SERVICES are not intended for minors and we do not knowingly collect PRIVATE INFORMATION from minors. We will endeavour to promptly delete any information identified as having been provided by such persons as required by applicable law.

Policy Changes

We may change this PRIVACY POLICY from time to time. When we do, we will let you know by posting the changed PRIVACY POLICY on this page with a new “last updated” date. In some cases, we may also tell you about changes by additional means, such as by posting a notice through our PRODUCTS AND SERVICES or sending an email to you. Changes will become effective when posted. We encourage you to periodically check our PRIVACY POLICY to see if there have been any changes of interest to you. Your continued use of the PRODUCTS AND SERVICES after an update to our PRIVACY POLICY constitutes agreement to the policy as revised.


If you have any questions, concerns, or comments about this PRIVACY POLICY, our privacy practices, or if you would like us to update information or preferences you provide to us, please contact us via the following:

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