Privacy Policy

Centene Corporation, its affiliates, and subsidiaries (the “Company”) are strongly committed to protecting your privacy. This Privacy Policy explains our information gathering and dissemination practices.  To serve as your insurance carrier, we will ask you to provide us with personal information about you. We only use your personal information to help you apply for health insurance. We do not sell, trade or give away your personal information to anyone. Additionally, we use industry-leading technologies to ensure the security and confidentiality of the personal information you provide us. If you have questions or concerns regarding this Privacy Policy, please contact Company at the e-mail address provided at the end of this Privacy Policy.

Company’s Privacy Policy

This Company Privacy Policy discloses the information privacy practices for the website you are currently visiting. Throughout the policy, we refer to information that can identify you as a specific individual, such as your name, phone number, email address, Social Security number or credit card number, as “personal information.” Further, personal information includes any information involving your health or medical history. We do not sell, trade or give away your personal information to anyone.

We do not disclose your personal information to third parties, unless one of the following limited exceptions applies.

If you submit an application for an insurance product offered through an insurance agent or agency with whom we have associated, then we may disclose your personal information to that agent or agency to process your requested quote or application. Please be assured that these partners are only allowed to use your personal information to process your requested quote, application or enrollment form and are contractually obligated to maintain strict confidentiality.

Service Providers. We may disclose your personal information to other companies that help us process or service your insurance application or correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the companies we hire to process or service your insurance application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.

Legal Obligations. We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.

Outside of these exceptions, we will not share your personal information with third parties. We collect personal information in the normal course of business in order to process your insurance application and to serve you better.

Registering With Us. We begin collecting personal information from you when you register with us. You may register with us through our website by entering your email address and, if you are creating an account, choosing your password. Under our current process, you must create an account before starting an application for a health insurance or other product offered on our website.

CHILDREN UNDER THE AGE OF 13 YEARS.  In accordance with the Children’s Online Privacy Protection Act (COPPA), we will not knowingly collect or accept personally identifiable information from a child under the age of 13 without a parent’s or guardian’s prior consent.  We will also allow the parent or guardian of a user under the age of 13 to review, update, change, delete or refuse to permit further collection of any and all information collected by the website.  A child’s personally identifiable information will be treated with the same care and respect as an adult’s information.

Applying for Health Insurance. If you apply for health insurance through our website, we may ask you to provide us with personal information and/or health information relating to you and any family member who will be included on your application. This information will be used to process your application. Additionally, we may ask you to provide us with credit card or bank information, which will be used to process your application or collect any fees associated with your application or insurance premiums upon approval of your application.

Providing you with a quote or processing your application. We may use your personal information to get in touch with you when necessary to process your application or to provide you with a quote. For example, emails may be sent to you throughout the application process to inform you of the status of your application and to seek additional information that is requested as part of the application.

Customer satisfaction, referrals and other products. We may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services.

We gather anonymous information about you for our internal purposes, and we may share this anonymous information with third parties.

Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the number of visitors to our website from a particular state. We use anonymous information primarily for marketing purposes and to improve the services we offer you.

We protect the confidentiality and security of your personal information.

We maintain physical, electronic and procedural safeguards to protect your personal information. For a more detailed discussion of the electronic safeguards on our website, please see below.

We continue to evaluate our efforts to protect your personal information and make every effort to keep your personal information accurate and up to date.

You may update your name, email address and password by clicking on the “My Account” link on this website and signing in using your email address and password.

We will provide notice of changes in our information privacy practices.

If we are going to use your personal information in a manner different from that stated at the time of collection, we will notify you via email. You will have a choice as to whether or not we use your personal information in this different manner. In addition, if we make any material changes to our information privacy practices that do not affect the personal information already stored in our database, we will post a prominent notice in the privacy portion of our website notifying users of the change. Your continued use of the website following the posting of changes to these terms will mean you accept those changes.

The information privacy practices described in this privacy policy apply only to applications initiated on this website. Accordingly, all of the personal information you submit to us after initiating an application on this website shall be governed by this privacy policy. Additionally, all of the anonymous information collected from this website shall be governed by this privacy policy.

Additional Information About Privacy and Security

“Cookies” and “Clear Gifs”

“Cookies” are small files that are stored by your web browser to help a particular system recognize you and the pages you visited in a website. Our website uses cookies to make your online experience more convenient. For example, we may use a cookie to store your account information between sessions and to maintain information about the quotes you have requested during your session. Additionally, we may use data from cookies for a variety of internal purposes, such as studying how users navigate our website. Most browsers automatically accept cookies, but if you prefer, you can set yours to refuse cookies. Even without a cookie, you can still use most of the features on our website, including obtaining quotes and applying for an insurance policy.

“Clear gifs” are tiny graphics with a unique identifier, similar in function to cookies, that are used to track the online movements of website users. The main difference between the two is that clear gifs are invisible on the page and are much smaller than cookies.

We use third party web analytics services to track and analyze anonymous usage and volume statistical information from visitors.  These analytics help us administer our website, improve our website’s performance and to report website usage traffic. These web analytics services use cookies, clear gifs and other web monitoring technologies to help track visitor behavior on our behalf.

We also use reCAPTCHA, a service provided by Google, to help protect our websites from spam and various types of automated abuse. reCAPTCHA does this by collecting hardware and software information, such as device and application data and the results of integrity checks, and sending that data to Google to analyze whether an input is made by a human or an automated process. You can learn more about reCAPTCHA and the information collected and processed by the reCAPTCHA service by visiting Google’s Privacy Policy.  

Browser Support and Internet Security

Any time you enter or provide personal information in our website, we encrypt it using Transport Layer Security (TLS) 1.2 or better technology. TLS protects information as it crosses the Internet. To support this technology you need to use a browser with strong encryption, such as Mozilla Firefox, Microsoft Edge v77+, Safari, and Google Chrome, and update your browser versions when prompted to ensure you have the latest security capabilities.  In order to adhere to the latest standards and ensure the highest levels of security, we generally support only the most recent major release of a browser, plus one version previous for compatibility.

In the specific case of web browser support, the following four browsers are supported in accordance with the vendor support policy listed:

• Google Chrome: Support for the most current major stable channel release only
  Please visit the Google Chrome FAQ for a description of the Chrome support policy
• Mozilla Firefox: Support for the most current major ESR version and above, in production only. Please visit the Mozilla FAQ for a description of the Firefox support policy
• Apple Safari: Support for most current major production release and one prior release
• Microsoft Edge: Support for the latest major version of Microsoft Edge Chromium. Beginning in MS Edge v77, Microsoft has decoupled Edge from Windows OS and shifted to a Chromium-based browser technology & deployment model that follows a continuous 6-week update pattern similar to Chrome & Firefox. Please visit the Microsoft Edge FAQ for a description of the Edge support policy

Microsoft Internet Explorer policy update:

Microsoft Internet Explorer 11- Microsoft has deprecated IE 11 in Windows 10 and recommends using Edge as the default browser.

Given that Microsoft has deprecated Internet Explorer 11, beginning in July 2020 Centene will stop supporting Internet Explorer as a valid browser client to access our sites. There are significant security and performance concerns with Internet Explorer 11 (see Microsoft FAQ), and Centene encourages customers to move to a modern browser such as Microsoft Edge, Google Chrome, Mozilla Firefox, or Apple Safari.

For mobile device operating systems, Centene provides support for the most recent browser delivered by the device operating system only.

* Chrome for Android only, not the native Android browser

In the case where feature parity is not consistent for the same browser version across platforms and devices, those features are only supported by Centene to the extent that the vendor has enabled.

Your Password and Other Security Issues

The password you enter when you begin an application on our website is your private entry key into your application. You should never share it with anyone. Your password must be between 6-20 digits and/or letters long. If you forget your password, click on “Forgot Your E-Mail Address or Your Password?” on the quoting page.

Security Risk of Using Non-Approved Automated Software Applications

For security reasons to guard the safety of your data, access to this website is limited to SSL-capable browsers such as Microsoft’s Internet Explorer 4.01 or higher or Netscape Navigator 4.06 or higher. Under no circumstance should you use any software, program, application or any other device to access or log-in to the Company website, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, website or proprietary software.

If you have questions or concerns regarding Company’s Privacy Policy, please contact us.

Your California Privacy Rights - Privacy Notice for California Residents

This Privacy Notice for California Residents supplements the information contained in California Health and Wellness (CHW) and Health Net, LLC's (and it's subsidiaries, collectively "Health Net") Privacy Policy, and applies solely to all visitors, users, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

Our Website collects information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device ("personal information"). In particular, the Website may have collected the following categories of personal information from its consumers within the last twelve (12) months:

Personal information does not include:

• Publicly available information from government records.
• De-identified or aggregated consumer information.
• Information excluded from the CCPA's scope, like:
  • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
  • Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver's Privacy.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

• To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request a price quote or ask a question about our products or services, we will use that personal information to respond to your inquiry. If you provide your personal information to purchase a product or service, we will use that information to process your payment and facilitate delivery. We may also save your information to facilitate new product orders or process returns.
• To provide, support, personalize, and develop our Website, products, and services.
• To create, maintain, customize, and secure your account with us.
• To process your requests, purchases, transactions, and payments and prevent transactional fraud.
• To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
• To personalize your Website experience and to deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Website, third-party sites, and via email or text message (with your consent, where required by law).
• To help maintain the safety, security, and integrity of our Website, products and services, databases and other technology assets, and business.
• For testing, research, analysis, and product development, including to develop and improve our Website, products, and services.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• As described to you when collecting your personal information or as otherwise set forth in the CCPA.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Health Net's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Health Net about our Website users is among the assets transferred.

Health Net will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

Health Net may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We may share your personal information with the following categories of third parties:

• Service providers.
• Data aggregators.

Disclosures of Personal Information for a Business Purpose

In the preceding twelve (12) months, Health Net has disclosed the following categories of personal information for a business purpose:

• [Category A: Identifiers.]
• [Category B: California Customer Records personal information categories.]

Disclosures of Personal Information for a Business Purpose

In the preceding twelve (12) months, Health Net has disclosed the following categories of personal information for a business purpose:

• [Category A: Identifiers.]
• [Category B: California Customer Records personal information categories.]

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

1. Access to Specific Information and Data Portability Rights
   You have the right to request that Health Net disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
   • The categories of personal information we collected about you.
   • The categories of sources for the personal information we collected about you.
   • Our business or commercial purpose for collecting or selling that personal information.
   • The categories of third parties with whom we share that personal information.
   • The specific pieces of personal information we collected about you (also called a data portability request).
   • If we disclosed your personal information for a business purpose, we will identify the personal information categories that each category of recipient obtained.
     Submit your request online here
2. Deletion Request Rights
   You have the right to request to have Health Net delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
   Health Net may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
   • Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
   • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
   • Debug products to identify and repair errors that impair existing intended functionality.
   • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
   • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
   • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
   • Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
   • Comply with a legal obligation.
   • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
     Submit your request online here
3. Exercising Access, Data Portability, and Deletion Rights
   To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either: Calling us at (800) 522-0088
   Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. You may only make a verifiable consumer request for access or data portability twice within a 12-month period.
   The verifiable consumer request must:
   • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
   • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us.
     
     We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.
     Submit your request online here
4. Response Timing and Format
   We endeavor to acknowledge and respond to a verifiable consumer request within ten (10) days; with fulfillment of the request (45) days of its receipt. If we require more time (up to [90] days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
   Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.
   We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
5. Personal Information Sales Opt-Out and Opt-In Rights
   We endeavor to acknowledge and respond to a verifiable consumer request as soon as feasibly possible, but no later than within fifteen days (15) days with fulfillment of its receipt. If you are 16 years of age or older, you have the right to direct us to not sell your personal information at any time (the "right to opt-out"). We do not sell the personal information of consumers we actually know are less than 16 years of age, unless we receive affirmative authorization (the "right to opt-in") from either the consumer who is between 13 and 16 years of age, or the parent or guardian of a consumer less than 13 years of age. Consumers who opt-in to personal information sales may opt-out of future sales at any time.
   To exercise the right to opt-out, you (or your authorized representative) may submit a request to us by emailing CCPARequests@healthnet.com. Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize personal information sales. However, you may change your mind and opt back in to personal information sales at any time by emailing CCPARequests@healthnet.com.
   You do not need to create an account with us to exercise your opt-out rights. We will only use personal information provided in an opt-out request to review and comply with the request.
   Submit your request online here

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Other California Privacy Rights

California's "Shine the Light" law (Civil Code Section § 1798.83) permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an email to CCPARequests@healthnet.com or write us at: Health Net, LLC Privacy Office, PO Box 9103, Van Nuys, CA 91409.

Changes to Our Privacy Notice

Health Net reserves the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice's effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this notice, the ways in which Health Net collects and uses your information described below and in the Privacy Policy, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

You may contact us for such information at 1-800-522-0088 or you may submit your request online.

Submit your request online here (this will be re-direct to the NEW CCPA form url)

Postal Address:

Health Net, LLC – Privacy Office
Attn: Privacy Official
P.O. Box 9103
Van Nuys, CA 91409

Phone: (800) 522-0088
Website: www.healthnet.com
Email: Privacy@healthnet.com

Last Updated: 09/19/2019

Confidentiality Guideline

Health Net, LLC and all of its subsidiaries/affiliates (collectively, "Health Net") have adopted a strict guideline regarding the confidentiality of certain information provided to Health Net associates. This guideline applies to all Health Net associates as described below:

All Associates are prohibited from any unauthorized access to, use or disclosure of patient ("Member") or health care provider information, Health Net proprietary information, including, but not limited to, medical records, claims, benefits or other administrative data that is personally identifiable, in addition to, Health Net quality improvement programs, reports, and disease management information (hereinafter, collectively referred to as "Confidential Information").

Associates must hold in strict confidence, and not copy, disclose or permit the disclosure to any person, other than as stated in Health Net's Notice of Privacy Practices, any Confidential Information. Associates must comply with all Health Net policies and procedures concerning the safeguarding of all Confidential Information. Associates must comply with all applicable state and federal laws and regulations regarding Confidential Information.