Privacy Policy

Benefit Defender LLC. ("Benefit Defender") knows that you care about how your personal information is used and shared and takes your privacy seriously.

Benefit Defender is a collaborative Healthcare reimbursement and health service platform that offer to connect our members with our network of affiliated health clinicians and health benefits reimbursement specialists. ("Health Benefits Specialists") to obtain tele counseling, tele health, and reimbursement services on denied health insurance claims. "Health Benefits Specialists" includes employees, agents, or independent contractors of Health Providers. "Benefit Defender" or the terms "we" or "us" or similar terms refer to Benefit Defender LLC. "You" or "your" or similar terms refer to you as a user of our Services (defined below).

THIS PRIVACY POLICY IS BOTH AN AGREEMENT HEREBY ENTERED INTO BY YOU AND Benefit Defender, AND THE POLICY OF Benefit Defender IN MAKING THE SERVICES AVAILABLE TO YOU.

We Are Committed To You

Benefit Defender values our relationship with you and we place the highest priority in respecting and protecting your privacy. Benefit Defender is committed to protecting your privacy by utilizing secure internal and external applications that gives you a powerful and safe online experience. This Privacy Policy applies to the Benefit Defender website and business operations. This Privacy Policy governs personal information data collection and usage which includes personal, financial, medical and prescription data collected from you and other sources. By using the Benefit Defender website and Benefit Defender services, you consent to the privacy practices described in the Privacy Policy.

Collection and Disclosure of your Personal Information

As a client of Benefit Defender, your personal and healthcare information including, but not limited to the following: your name, address, telephone number, email address, social security number, member identification number, medical records, billing records, claims information, information related to your medical conditions, prescribed medications, health risk status, and other health and wellness-related information, Protected Health Information, and other personal information needs to be collected, maintained and made available to Benefit Defender employees and strategic partners. This information is required to allow Benefit Defender to provide advocacy services to the best of our abilities and to maintain Benefit Defender business operations. Benefit Defender maintains physical, electronic and administrative safeguards to protect your information.

Benefit Defender will use and disclose your Protected Health Information and personal information only as necessary to administer Benefit Defender programs, business operations and advocacy services. For example, we may use your Personal Health Information or other personal information to assist you and provide care coordination services, responding to complaints or appeals, providing case management services, conducting medical review of prescription and medical claims and other services offered to our clients. We may also disclose your Personal Health Information with contracted service providers and trusted strategic partners with whom we have a written agreements containing terms to protect the privacy of your personal and Protected Health Information. Benefit Defender may disclose your information to federal and state governmental entities in the process of providing advocacy and other services to you.

Benefit Defender collects and uses your personal and Protected Health Information for online service, customer service, case management, claims management, billing and other business operations for Benefit Defender. Benefit Defender does not sell, rent or lease its customer lists to third parties. Benefit Defender may share data with trusted strategic partners, some of whom may provide services on the Benefit Defender website. Other strategic partners may help us perform statistical analysis, send you secure emails, provide additional contractual services in the business operations for Benefit Defender or provide customer support. All such third parties are prohibited from using your personal information except to provide these services to Benefit Defender, and they are required to maintain the confidentiality of your personal information.

Benefit Defender will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary: (a) to conform to the edicts of the law or comply with legal process pursuant to a subpoena or summons; (b) to protect and defend the rights or property of Benefit Defender; (c) to act under exigent circumstances to protect the personal safety of users of Benefit Defender, or the public; (d) as permitted by law with our attorneys, accountants and auditors, your authorized representatives, if any, healthcare providers, third-party administrators, disease management companies, insurance companies, or insurance agents and brokers; (e) to government agencies or accrediting organizations that monitor our compliance with applicable laws and standards; and/or (f) we will disclose Protected Health Information to any other third parties contracted with Benefit Defender as a strategic partner.

Benefit Defender will collect information about your computer hardware and software. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Benefit Defender for the operation of the website, for improvement of business operations, to maintain the quality of business services, and to provide general statistics regarding use of the Benefit Defender website. Benefit Defender cannot read or access any of your private online communications, other than those sent specifically to Benefit Defender. The Benefit Defender website uses "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Benefit Defender website.

Benefit Defender encourages you to review the privacy policy of websites linked to Benefit Defender so you may understand how those websites collect, use and share your information. Benefit Defender is not responsible for the privacy policies or other content on websites outside of the Benefit Defender website.

Authorization to Other Individuals

You may provide written authorization to Benefit Defender to disclose information to another person or personal representative. You will be required to designate which information is authorized to be released to this person or personal representative in writing. Once this authorization is provided to Benefit Defender, you may withdraw the authorization in writing at any time. Your written request to withdraw an authorization will not affect any use or disclosures of Personal Health Information while the authorization was in effect.

Disclaimer

Benefit Defender does not provide health insurance or medical services, nor does it recommend treatment. Consequently, all medical services are provided by independent healthcare practitioners, who are not employees or agents of Benefit Defender. Benefit Defender does not have control over third parties such as physicians, hospitals, pharmacies, insurers, employers, health plans or other entities that have access to your Protected Health Information. Benefit Defender is not responsible for the privacy policies or practices of other such parties. Benefit Defender provides administrative and informational services through its employees. All of the Benefit Defender services are offered in a manner that fully respects and protects the privacy of our members and the confidentiality of their personal health information and is compliant with all regulatory requirements.

Changes to the Privacy Policy

Benefit Defender will occasionally update this Privacy Policy to reflect Company and customer feedback. Benefit Defender encourages you to periodically review this Privacy Policy to be informed about how Benefit Defender is protecting your information.

Information Sharing and Disclosure

We will not rent, sell, or share Personal Information about you with other people or non-affiliated companies except to provide the Services, when we otherwise have your permission, or under the following circumstances:

  • Treatment Providers. When you use the Site to access mental health services, you will be sharing your Personal Information with a Treatment Provider via the Services. By using the Services, you expressly consent to sharing your Personal Information with your Treatment Provider, and you understand that all information shared with your Treatment Provider is subject to your Treatment Provider’s professional and legal duties of confidentiality and responsibility, which Benefit Defender does not control. To increase coordination of care and reduce overhead for you, you authorize the sharing of this information with other Treatment Providers on Benefit Defender who you elect to contact.

  • Group Sessions. If you enter a group session, any information you provide during the session, which could include posts, video, and audio, will be shared with the other group participants.

  • User Profiles. User profile information, including your name, location, and other information you enter in your profile, may be displayed to your Treatment Providers to facilitate user interaction with the Site.

  • Communications in Response to User Submissions. As part of the Site and the Services, you may receive from Benefit Defender and other users email and other communications relating to your requests, mental health services, and other transactions. When you transmit information relating to your mental health services needs, Benefit Defender and the Treatment Providers you select may send you emails and other communications that they determine in their sole discretion relate to your mental health services needs.

  • Aggregate Information and Non-Identifying Information. We may share aggregated information that does not include Personal Information and we may otherwise disclose non-identifying Information and Log Data with third parties for industry analysis, demographic profiling, and other purposes. Any aggregated information shared in these contexts will not contain your Personal Information.

  • Service Providers. We may employ third-party companies and individuals to process your payments, facilitate our Services, to provide the Services on our behalf, to perform Services-related services (including, without limitation, maintenance services, database management, web analytics and improvement of the Services’ features), or to assist us in analyzing how our Services are used. These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

  • Compliance with Laws and Law Enforcement. We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We will disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal process (including but not limited to subpoenas), to protect the property and rights of Benefit Defender or a third party, to protect the safety of the public or any person, or to prevent or stop activity we may consider to be, or to pose a risk of being, any illegal, unethical or legally actionable activity. This includes, without limitation, exchanging information with Treatment Providers and law enforcement in response to Treatment Providers’ professional and legal responsibilities.

  • Business Transfers. We may sell, transfer or otherwise share some or all of our assets, including your Personal Information, in connection with a merger, acquisition, reorganization or sale of assets, or in the event of bankruptcy.

    PLEASE NOTE THAT ANY INFORMATION, TEXT AND IMAGES THAT YOU POST OR DISCLOSE ON OR THROUGH PUBLIC PORTIONS OF THE SITE, OR ANY OTHER PUBLIC FORUMS, BECOMES PUBLIC INFORMATION AND MAY BE AVAILABLE TO VISITORS TO THE SITE AND/OR SEARCHABLE VIA THE INTERNET. Information regarding your activities in such Services may also be available for view by other users (for example, other users may be able to view a list of all postings you have made in all available forums). We urge you to exercise discretion and caution when deciding to disclose your Personal Information through a forum or otherwise through the Site. BENEFIT DEFENDER IS NOT RESPONSIBLE FOR THE USE OF ANY PERSONAL INFORMATION YOU VOLUNTARILY DISCLOSE THROUGH A FORUM OR OTHERWISE THROUGH THE SITE OR THE SERVICES.

▶ Highly Sensitive Information. Federal and state law may require us to obtain your written authorization to disclose highly sensitive health information under certain circumstances. Highly sensitive health information is health information that is: (1) in a therapist’s psychotherapy notes; (2) about mental illness or developmental disability services; (3) about HIV/AIDS testing or treatment, including the fact that an HIV test was ordered, performed or reported, regardless of whether the results of such tests were positive or negative; (4) about substance abuse treatment program services; (5) about sexual assault; (6) about genetic testing; (7) about minor pregnancy test results; or (8) other information given special privacy under state or federal laws. Sometimes the law even requires us to obtain a minor patient’s authorization to disclose this highly sensitive information to a parent or guardian.

▶ Research. If required by law or our committee which oversees our research activities, we will obtain your written authorization before using or disclosing your health information for research purposes.

▶ Marketing. We will obtain your written authorization before using patient information about you to send you any marketing materials, as defined by HIPAA. However, we may provide you with marketing materials in a face-to-face encounter or give you a promotional gift of minimal value without your authorization. We may also communicate with you about products or services relating to your treatment, case management or care coordination, or alternative therapies without your written authorization.

You should consider that standard email is not a secure means of communication. There is some risk that any PHI contained in email may be disclosed to, or intercepted, printed, or stored by, unauthorized third parties. Benefit Defender cannot ensure the security or confidentiality of messages sent by email.

You will receive email communication from Benefit Defender and Treatment Providers. If you choose to receive PHI in emails, you authorize Benefit Defender to send you messages that include PHI, which may include disclosure of mental illness, substance abuse, and sexually transmitted disease. This authorization indicates you understand and accept the risks involved with insecure email communication of your PHI.