Privacy and Disclaimer Notice


Important Information

1) If you are currently covered by Health Insurance, DO NOT CANCEL YOUR POLICY. Also, DO NOT DECLINE COBRA BENEFITS until you have received an approval letter and/or the insurance policy (sometimes referred to as the insurance contract or the insurance certificate) from the insurance company you have selected with our agency.

2) It is IMPORTANT that you UNDERSTAND and AGREE with the terms, limitations, riders, and exclusions of your insurance policy. Give SPECIAL ATTENTION to the policy effective date, premium amount, waiting period, and other important provisions.


Underwriting Disclaimers

3) Quotes, prices and, or rates provided by Patina Grant, the agent, or any website linked from www.patinagrant.com are only estimates. Premium figures and coverage are subject to change based on many factors that include but are not limited to, your medical history, the insurance company’s underwriting practices, optional benefits you select, and other relevant factors. The insurance company determines your actual policy premium amount and reserves the right to change the terms of a policy upon proper notification. Additionally, there is NO expressed or implied guarantee that you will be offered health insurance coverage. Check with the insurance company about any HIPAA provisions that may affect your access to coverage.

4) All quotes, prices, and or rates received are ONLY for the requested effective date. A different effective date for the policy may affect the actual premium of your policy. Any change in price may be due to many factors such as premium increase, policy changes from the insurance company, or one or more family members having a birthday (rates are very age-sensitive). The insurance company you have chosen may not guarantee their rates for any period of time.


Privacy Policy

Patina Grant is committed to protecting your privacy. Patina Grant may provide your personal information or e-mail address to the health insurance carriers to help facilitate your request for health insurance quotes or in an effort to apply for a health insurance policy. Disclosure of confidential information may also occur in the event that it is required to help law enforcement or to comply with a court order demand.

To better protect your privacy we have adopted the following Internet privacy policy. This privacy policy tells you, among other things, what information we gather from you, how we may use or disclose the information, and our efforts to protect this information. Please read this policy carefully and feel free to contact Patina Grant if you have any inquiries, complaints, or questions regarding its contents.

Information That May Be Collected

This notice applies to all information collected or submitted to Patina Grant through writing or over the phone.

We may collect your personal information from quote request forms, applications, or over the phone. Sample types of personal information collected are:

• Name

• Date of Birth

• Address

• Personal hobbies and habits

• Email address

• Phone numbers

• Social Security Number

• Banking relationships

• Family member names and dates of birth

• Current health status and medical history


Use Of Information

As permitted by law, Patina Grant may disclose personal information (listed above) to health insurance companies and affiliates for the purposes of providing the health insurance products or services you have requested. Patina Grant does not share this information with outside parties except to the extent necessary to complete a plan quote, an application for health insurance, or for other covered services.

Patina Grant uses return email addresses to answer the emails received. Such addresses are only used for the pursuit of health insurance products. By sharing your email address, you agree to receive notifications about rate changes, insurance policy quotes, and health plan information and to correspond with licensed agent Patina Grant, about such matters. Your email address will remain confidential and will not be given out to any third parties for other purposes.

Finally, Patina Grant never uses or shares the personally identifiable information provided in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

Security Procedures

Access is restricted to your personal information by anyone other than the agent Patina Grant and the insurance company. Patina Grant maintains electronic and procedural safeguards that comply with federal regulations to guard your personal information.

Children’s Privacy

In compliance with the Children’s Online Privacy Protection Act (COPPA), Patina Grant is not directed at children under the age of 18 and does not knowingly collect personal data from children under the age of 18 without the consent of their legal guardian. I receive such actual knowledge that has such personal information without the required verifiable consent, Patina Grant will permanently delete the information from our database as soon as practically possible.

Policy Changes and Effective Date

This Privacy Policy update is effective as of October 2020. Our privacy and security policies are reviewed periodically. Any changes to this policy will be posted on our Website so users are always aware of how we use the information we collect.


Insurance Q&A

What Are Out-of-Pocket Costs?

The short answer is “the portion of the cost for medical goods, services, and other care that the insured (you) are responsible for paying yourself.” Insurance companies sometimes do not cover the complete cost of a medical expense. Depending on the policy benefits as defined in the terms, limits, and exclusions of your policy, certain parts of your medical bills could be considered the patient’s responsibility.

Some examples of out-of-pocket costs include:

Deductible: This is a predetermined amount of money that the insured must pay first before the insurance company will begin to consider reimbursing for covered medical expenses. For example, if you have a $500.00 plan deductible, the insurance company will not pay anything towards the cost of your bills until $500.00 worth of claims are reached. Only claims over $500.00 will be considered by the insurance company for payment.

Co-insurance: This is usually stated as a percentage in your policy. It is the cost you are expected to share with the insurance company when charges are paid. For example, if you have already satisfied your plan’s deductible, and the insurance company approves $1,000.00 worth of charges, the insurance company then pays a portion of them (say 80% or $800.00), and the balance (20% or $200.00 of co-insurance) will be the insured’s responsibility to pay.

Co-payment: This is usually a fixed dollar amount that is attached to each specific type of medical expense and is expressly defined in the plan’s benefits. For example, a visit to your primary care physician for a physical may cost you a $15.00 co-payment. The balance of the cost of this service is then paid by the insurance company.

Premium: This is the amount paid monthly by you to the insurance company to keep your policy enforced. For example, your Aetna plan is $350.00 monthly. You will pay $350.00 every month on a set date to keep having coverage so you may have insurance.

What is Healthcare Reform?

This is the new medical plan design to cover everyone that isn't Medicare eligible. It requires no health screening and it assists those that are within the poverty level. Some coverage with the new health reform plans includes preventative care, dental coverage for children, mental care, chiropractic care, and maternity care.

Can I keep my old coverage with my carrier?

Yes, you can keep your coverage but your plan will be upgraded to a healthcare reform compatible plan. For example, you have Humana, you will still have Humana but it will offer benefits as a health reform plan. For those who have individual plans, look for a letter in the mail from your carrier about changes or information from your employer.

What is a subsidy and how do I qualify?

This is assistant funding from the government for families and individuals. Qualification is based on the amount of dependence and income in one household. If qualified, the applicant may apply the funds to the monthly premium of a health reform plan or choose to take the money at the end of the year in a tax refund. To learn more please visit www.Healthcare.gov