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© 2021   Universal Fidelity Life Insurance Company
Terms of Use and Privacy
Notice of Privacy Practices
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Terms and Conditions of Use and Privacy Statement

This website is maintained by Universal Fidelity Life Insurance Company (UFLIC) in association with various partners, subsidiaries, and affiliates. To better serve insured members, contracted partners, and health care providers, UFLIC offers a secure online resource to provide information about various insurance plans, claims status, and select administrative data.

This resource is intended for use by people aged 18 or older, and only in jurisdictions within the United States of America.

Insured members agree to:
  • Provide truthful and accurate information about yourself and dependents
  • Protect access credentials
  • Notify us immediately if you discover any unauthorized activity or security breach
  • Use the services provided by this website for personal, non-commercial purposes only
Insured members agree not to:
  • Create an account for anyone other than yourself
  • Provide false information
  • Attempt to impersonate another individual
  • Access, collect or store personal information for any individual other than yourself or your dependents
  • Disclose or communicate information about any individual other than yourself or your dependents
  • Delete or revise any content obtained through this website
  • Use any device or third-party application that attempts to interfere or circumvent any operations of this website
  • Take any action that imposes an unreasonable load on the systems supporting this website
  • Attempt to disrupt or impair the operation or security of this website
  • Obscure or hide any copyright notice, trademark, logo, or other proprietary elements
  • Use this website in any manner that adversely affects its availability
Providers and partners agree to:
  • Provide truthful and accurate information about your company or organization
  • Access only information within the scope of an existing Business Associate Agreement(BAA) and for members to whom you have provided medical treatment
Providers and partners agree not to:
  • Create an account for anyone other than yourself
  • Provide false personal information
  • Attempt to impersonate another provider, partner or individual
  • Access, collect or store personal information for any individual other than within the scope of contract or BAA
  • Disclose or communicate information about any individual outside the scope of a valid contract, existing BAA or applicable law
  • Delete or revise any content obtained through this website
  • Use any device or third-party application that attempts to interfere or circumvent any operations of this website
  • Take any action that imposes an unreasonable load on the systems supporting this website
  • Attempt to disrupt or impair the operation or security of this website
  • Obscure or hide any copyright notice, trademark, logo, or other proprietary elements
  • Use this website in any manner that adversely affects its availability
Acknowledgements
  • Our goal is to ensure that information available through this website is accurate and timely; however, there may be times and circumstances which cause delays in updating the information.
  • Our goal is to ensure security, protect your privacy, and make the website even more useful and efficient for users; as with all electronic communications there are some risks such as failure of hardware, software and/or Internet connections. We are not responsible for failures, distortions, delays, or other unanticipated consequences, resulting from equipment configuration, connection, signal power, hardware, software, or any equipment used to provide this service. UFLIC shall have no liability whatsoever for failure of electronic or mechanical equipment or communication, telephone or other connection problems, computer viruses, unauthorized access, or interception of data from this website, theft, or errors.
  • We utilize industry best practices for the integrity and security of data and transmissions; however, there are risks associated with confidentiality or security of electronic transmissions via the Internet due to recipients’ unsecure computers and links.
  • Nothing on this website constitutes an offer to sell products.
  • You agree that you use this website at your own risk; UFLIC has no liability for any damages (whether direct or indirect, special, incidental, consequential or punitive) incurred by you as a result of your use of this website or the information you receive from or submit to this website.
Privacy

We have built our business on a foundation of integrity, honesty, and trust, and we respect a user’s right to privacy.

Information that you provide on this website is used solely for identity verification to ensure that information is available only to authorized individuals. We must collect personally identifiable information to meet this requirement. Data used for verification and authorization is not shared outside of UFLIC.

Information that we store, such as claims information, policy information, etc. is made available only to those verified entities authorized to access it for professional, regulatory, or compliance purposes. The scope of the information stored on this website is significantly limited to provide the minimum necessary information in accordance with applicable law.

Cookies

A cookie is a small text file which is stored in your browser allowing UFLIC to recognize your computer.

We use cookies when verifying your identity during login, to remember you during your current user session, and to enable certain functions of our services. These cookies are essential to the operation of the website. This website will not function correctly if you disable them.

Miscellaneous

All right, title, and interest in the content and other intellectual property (including trademarks, service marks and copyrights) on this website are solely and exclusively the property of UFLIC or its licensors and are protected by intellectual property laws.

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NOTICE OF PRIVACY PRACTICES
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.
Your Rights

When it comes to your health information, you have certain rights. This section explains your rights and some of our responsibilities to help you.

Get a copy of health and claims records
  • You can ask to see or get a copy of your health and claims records and other health information we have about you. Ask us how to do this.
  • We will provide a copy or a summary of your health and claims records, usually within 30 days of your request. We may charge a reasonable, cost-based fee.
Ask us to correct health and claims records
  • You can ask us to correct your health and claims records if you think they are incorrect or incomplete. Ask us how to do this.
  • We may say “no” to your request, but we’ll tell you why in writing within 60 days.
Request confidential communications
  • You can ask us to contact you in a specific way (for example, home or office phone) or to send mail to a different address.
  • We will consider all reasonable requests, and must say “yes” if you tell us you would be in danger if we do not.
Ask us to limit what we use or share
  • You can ask us not to use or share certain health information for treatment, payment, or our operations.
  • We are not required to agree to your request, and we may say “no” if it would affect your care.
Get a list of those with whom we’ve shared information
  • You can ask for a list (accounting) of the times we’ve shared your health information for six years prior to the date you ask, who we shared it with, and why.
  • We will include all the disclosures except for those about treatment, payment, and health care operations, and certain other disclosures (such as any you asked us to make). We’ll provide one accounting a year for free but will charge a reasonable, cost-based fee if you ask for another one within 12 months.
Get a copy of this privacy notice

You can ask for a paper copy of this notice at any time, even if you have agreed to receive the notice electronically. We will provide you with a paper copy promptly.

Choose someone to act for you
  • If you have given someone medical power of attorney or if someone is your legal guardian, that person can exercise your rights and make choices about your health information.
  • We will make sure the person has this authority and can act for you before we take any action.
File a complaint if you feel your rights are violated

You can complain if you feel we have violated your rights by sending a letter outlining your concerns to:

                Privacy Officer
                Universal Fidelity Life Insurance Company
                13931 Quail Pointe Drive
                Oklahoma City, Oklahoma 73134
            

Your Choices
For certain health information, you can tell us your choices about what we share.

If you have a clear preference for how we share your information in the situations described below, talk to us. Tell us what you want us to do, and we will follow your instructions.

In these cases, you have both the right and choice to tell us to:

  • Share information with your family, close friends, or others involved in payment for your care
  • Share information in a disaster relief situation

If you are not able to tell us your preference, for example if you are unconscious, we may go ahead and share your information if we believe it is in your best interest. We may also share your information when needed to lessen a serious and imminent threat to health or safety.

In these cases we never share your information unless you give us written permission:

  • Marketing purposes
  • Sale of your information

Our Uses and Disclosures
How do we typically use or share your health information?

We typically use or share your health information in the following ways:

Help manage the health care treatment you receive

We can use your health information and share it with professionals who are treating you.

Example: A doctor sends us information about your diagnosis and treatment plan so we can arrange additional services.

Run our organization
  • We can use and disclose your information to run our organization and contact you when necessary.
  • We are not allowed to use genetic information to decide whether we will give you coverage and the price of that coverage. This does not apply to long term care plans.

Example: We use health information about you to develop better services for you.

Pay for your health services

We can use and disclose your health information as we pay for your health services.

Example: We share information about you with your health plan to coordinate payment for your medical services.

Administer your plan

We may disclose your health information to your health plan sponsor for plan administration.

Example: Your Company contracts with us to provide a health plan, and we provide your company with certain statistics to explain the premiums we charge.

How else can we use or share your health information?

We are allowed or required to share your information in other ways – usually in ways that contribute to the public good, such as public health and research. We have to meet many conditions in the law before we can share your information for these purposes. For more information see: https://www.hhs.gov/hipaa/for-individuals/guidance-materials-for-consumers/index.html .

Help with public health and safety issues

We can share health information about you for certain situations such as:

  • Preventing disease
  • Helping with product recalls
  • Reporting adverse reactions to medications
  • Reporting suspected abuse, neglect, or domestic violence
  • Preventing or reducing a serious threat to anyone's health or safety
Do research

We can use or share your information for health research.

Comply with the law

We will share information about you if state or federal laws require it, including with the Department of Health and Human Services if it wants to see that we’re complying with federal privacy law.

Respond to organ and tissue donation requests and work with a medical examiner or funeral director
  • We can share health information about you with organ procurement organizations.
  • We can share health information with a coroner, medical examiner, or funeral director when an individual dies.
Address workers’ compensation, law enforcement, and other government requests

We can use or share health information about you:

  • For workers' compensation claims
  • For law enforcement purposes or with a law enforcement official
  • With health oversight agencies for activities authorized by law
  • For special government functions such as military, national security, and presidential protective services
Respond to lawsuites and legal actions

We can share health information about you in response to a court or administrative order, or in response to a subpoena.

Our Responsibilities

  • We are required by law to maintain the privacy and security of your protected health information.
  • We will let you know promptly if a breach occurs that may have compromised the privacy or security of your information.
  • We must follow the duties and privacy practices described in this notice and give you a copy of it.
  • We will not use or share your information other than as described here unless you tell us we can in writing. If you tell us we can, you may change your mind at any time. Let us know in writing if you change your mind.

For more information see: https://www.hhs.gov/hipaa/for-individuals/notice-privacy-practices/index.html

Changes to the Terms of this Notice

We can change the terms of this notice, and the changes will apply to all information we have about you. The new notice will be available upon request, on our web site, and we will mail a copy to you.

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