1. Who We Are
Senior Choice Insurance Group ("we," "us," or "our") is an independent licensed insurance agency based in South Florida. We help Medicare-eligible individuals and families find health insurance coverage, including Medicare Advantage, Medicare Supplement (Medigap), Part D Prescription Drug Plans, Dental Plans, and ACA Health Insurance plans.
This Privacy Policy describes how we collect, use, disclose, and protect personal information when you visit our website (senior-choice.com) or contact us.
If you have questions about this policy, contact us at: contact@senior-choice.com or call (800) 361-9186.
2. Information We Collect
We collect personal information that you voluntarily provide to us through our website forms, phone calls, emails, or other communications, including:
- Contact information: Full name, phone number, and email address
- Demographic information: Age
- Plan preferences: The type of health insurance plan you are interested in
- Preferred contact time: Morning, afternoon, or evening
- Communications: Records of your conversations, emails, or messages with us
We also automatically collect certain technical information when you visit our website, such as your IP address, browser type, and pages visited, through standard web server logs and third-party tools such as Google Fonts (which connects to Google's servers when loading this website).
3. How We Use Your Information
We use the information we collect for the following purposes:
- To contact you to schedule consultations and discuss insurance plan options
- To identify and recommend insurance plans that match your needs
- To assist you with enrollment in a health insurance plan
- To provide ongoing customer service, including annual plan reviews
- To comply with applicable laws and regulations, including CMS Medicare marketing guidelines
- To improve our website and services
- To send you relevant information about Medicare enrollment periods or plan changes (only if you have provided consent)
4. How We Share Your Information
We do not sell your personal information. We may share your information in the following limited circumstances:
- Insurance carriers: If you choose to enroll in a plan, we may share the information necessary to complete your enrollment with the applicable insurance carrier.
- Service providers: We may share information with third-party vendors who assist us with business operations (such as customer relationship management (CRM) software, email platforms, or scheduling tools). These providers are contractually required to keep your information confidential and may not use it for any other purpose.
- Legal compliance: We may disclose information as required by law, regulation, court order, or government authority, including CMS requirements applicable to Medicare agents and brokers.
- Business transfers: In the event of a merger, acquisition, or sale of business assets, your information may be transferred as part of that transaction.
We do not share your health-related information with any third party other than as described above, and we do not use your information for purposes unrelated to insurance services.
5. Health Information and HIPAA
As an insurance agency, we may collect information that relates to your health status or healthcare needs in order to recommend appropriate coverage. We treat all health-related information with the highest level of care. To the extent that the Health Insurance Portability and Accountability Act (HIPAA) or applicable state law governs the handling of your health information, we comply with those requirements.
We will work to ensure that any vendors or service providers who handle health-related information on our behalf have appropriate data protections in place.
6. Data Retention
We retain your personal information for as long as necessary to provide our services, maintain our business records, and comply with applicable legal and regulatory obligations. Insurance-related records may be retained for a minimum of 10 years in accordance with Florida insurance law and CMS record-keeping requirements. When information is no longer needed, we securely delete or anonymize it.
7. Your Rights
Depending on your state of residence, you may have certain rights regarding your personal information, including:
- Right to access: Request a copy of the personal information we hold about you
- Right to correction: Request that we correct inaccurate information
- Right to deletion: Request that we delete your personal information (subject to legal retention requirements)
- Right to opt out of marketing: Opt out of receiving marketing communications from us at any time by replying "STOP" to any text message, clicking "unsubscribe" in any email, or contacting us directly
- Right to non-discrimination: We will not discriminate against you for exercising any of your privacy rights
To exercise any of these rights, contact us at contact@senior-choice.com or call (800) 361-9186. We will respond to verifiable requests within 45 days.
8. Telephone and Text Message Communications (TCPA)
By submitting a contact form on our website, you provide your prior express written consent for Senior Choice Insurance Group to contact you at the phone number you provided, including by autodialed or pre-recorded calls and text messages. Consent is not a condition of enrollment in any insurance plan. Message and data rates may apply. You may revoke your consent at any time by replying STOP to any text message or by contacting us directly.
9. Cookies and Tracking Technologies
Our website uses standard browser cookies and loads third-party resources (including Google Fonts from Google's servers), which may result in your IP address being transmitted to Google. We do not use advertising cookies or behavioral tracking cookies. You may disable cookies in your browser settings, though this may affect the functionality of some features on our site.
10. Children's Privacy
Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If we become aware that we have collected information from a minor, we will delete it promptly.
11. Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet is 100% secure. If you have reason to believe your information has been compromised, please contact us immediately.
12. Third-Party Links
Our website may contain links to third-party websites (including Medicare.gov and 1-800-MEDICARE). This Privacy Policy does not apply to those sites. We encourage you to review the privacy policies of any third-party sites you visit.
13. Changes to This Policy
We may update this Privacy Policy from time to time. If we make material changes, we will update the "Last Updated" date at the top of this page. Your continued use of our website after any changes constitutes acceptance of the updated policy.
14. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us:
- Email: contact@senior-choice.com
- Phone: (800) 361-9186
- Hours: Monday – Saturday, 8:00 AM – 8:00 PM