Benefits that fit

Privacy Policy

Notice of Privacy Policy

Protecting your privacy is very important to us. We want you to understand what information we collect and how we use it. We collect and use "nonpublic personal information" in order to provide our customers with a broad range of financial products and services as effectively and conveniently as possible. We treat nonpublic personal information in accordance with our Privacy Policy.

This Privacy Statement informs you about the types of information Managed Care Administrators, Inc gathers online when you visit any of our associated web sites, how we may use that information, whether we disclose it to anyone, and your choices regarding our use of, and your ability to correct, that information.

This Privacy Statement may change from time to time, so please check back periodically. This Statement explains the following regarding the treatment of data collected on our Site(s):

Sites covered by this Statement

This Privacy Statement covers the collection and use of data on the www.mymcai.com websites and any affiliated sites managed by Managed Care Administrators, Inc.

What Information We Collect and From Whom We Collect It

The information collected on our Site(s) generally falls into the following two categories: Personally Identifiable Information and Non-Personally Identifiable Information.

We may collect nonpublic personal information about you from the following sources:

Information we receive from you on applications or other forms;
Information about your transactions with us, our affiliates, or others; and
Information we receive from non affliated third parties, including consumer reporting agencies.

"Nonpublic personal information" is nonpublic information about you that we obtain in connection with providing a financial product or service to you.

Personally Identifiable Information: This refers to information that lets us know the specifics of who you are. We also collect Personally Identifiable Information when you ask that we send information directly to other people; in these cases, we will collect the information you submit about the recipient.

The Personally Identifiable Information we collect when you use our Site(s) may include:

your name
mailing address(es)
phone number(s)
e-mail address(es)
credit card number and expiration date
identification numbers
login names and passwords
public postings
employer
job title

We request Personally Identifiable Information when you:

request a service
participate in certain promotional activities
fill out surveys
correspond with us

Non-Personally Identifiable Information: This refers to information that does not by itself identify a specific individual. The non-personally identifiable data we collect when you visit our Site(s) may include the Uniform Resource Locator (URL1) of the pages you visit on our Site(s) and our Internet Protocol (IP2) address. This Statement also contains more information about how we use cookies and other technology to collect this data.

We do not connect the Personally Identifiable Information and Non-Personally Identifiable Information we collect on our Site(s).

What Information We Disclose and To Whom We Disclose It

We do not disclose any nonpublic personal information about you to either our "affiliates" or non affiliates without your express consent, except as permitted by law. We may disclose the nonpublic personal information we collect, as described above, to persons or companies that perform services on our behalf and to other financial institutions with which we have joint marketing agreements.

"Our affiliates" are companies with which we share common ownership and which offer life and health insurance and pension and savings products.

Your Right to Verify Accuracy of Information We Collect

Keeping your information accurate and up to date is very important to us. You may access and correct nonpublic personal information about you that we collect except for information relating to a claim or a criminal or civil proceeding.

Why we collect your information

Our primary goal in collecting information is to provide clients and customers with superior service.

We use your Personally Identifiable information to process your request or provide the requested information. We use Non-Personally Identifiable Information on an aggregated basis to help us understand how visitors use our Site(s) and to measure interest in the various pages. We use this information to improve the content of our Site(s) and to make our Site(s) easier to use.

How We Use Your Information

We gather and use information in a number of ways, including the following:

Surfing: We collect certain Non-Personally Identifiable Information when you visit our Site. We collect this information to help run our Site(s) more efficiently, to gather broad demographic information and to monitor the level of activity on our Site(s). Learn more about how we use cookies and other technology to collect this information.

Online Services: We collect Personally Identifiable Information when you request services online, for example on-line claim submission. We collect this information to process your request, to obtain/make payment when applicable, and to communicate with you about the status of your request.

Online surveys: We collect Personally Identifiable Information from customers who volunteer to complete surveys. We use this information to improve our services.

Newsletters and e-mails: We collect Personally Identifiable Information when you ask to receive newsletters, e-mails, and other information. We use this information to provide you the information you request.

Contact information: If you contact us, we may keep a record of your correspondence or comments, including Personally Identifiable Information, in a file specific to you. We use this information to help us provide better service in the event you contact us again.

Sharing your information

Managed Care Administrators, Inc will not rent, sell or give away any Personally Identifiable Information entered into the website to third parties for marketing or mailing list purposes. However, Your Personally Identifiable Information may be shared as required, for a third party to process your request. In addition, we will provide Personally Identifiable Information about you as required to do so by law, subpoena, court order or legal process.

Use of Cookies On This Site

A "cookie" is a small data file transferred by a website to your computer's hard drive. You are sent cookies when you surf, make on-line payments, respond to online surveys, or request information. Accepting cookies does not give us access to your Personally Identifiable Information, but we can use the cookies to identify your computer. The aggregate information collected permits us to analyze traffic patterns on our Site(s). This can enable us over time to provide you with a better experience on our Site(s) by improving the content and making it easier to use.

Most browsers automatically accept cookies, but you can usually refuse cookies, or selectively accept certain cookies, by adjusting the preferences in your browser. If you turn off cookies, though, there may be some features of our Site(s) that will not be available to you and some Web pages may not display properly. You can find information on popular browsers and how you can adjust them to control cookies at the following Web sites:

Microsoft Internet Explorer:
http://www.microsoft.com/info/cookies.htm

Mozilla Firefox
http://www.mozilla.com/en-US/firefox/security/

Protecting Your Information

Managed Care Administrators, Inc acknowledges your trust and is committed to protecting the information you provide us. To prevent unauthorized access, maintain accuracy, and ensure proper use of information, we are committed to using physical, electronic, and managerial processes to safeguard and secure the information we collect online.

MCAI offers complete on-line access to your Benefit Portal on our Site and to protect your information we use Secure Sockets Layer ("SSL") encryption technology to safeguard your sensitive information while it is being sent to us. The SSL encryption is designed to make the information unreadable by anyone while in transmission.

Our Security Procedures

We restrict access to your nonpublic personal information and only allow disclosures to persons and companies as permitted by law to assist in providing products or services to you. We maintain physical, electronic, and procedural safeguards to protect your nonpublic personal information.

Links to Other Web Sites

Parts of our Site(s) contain links to third-party websites for your convenience and information. If you use these links, you will leave the website. When you access a non-MCAI website, even one that may contain the MCAI's please understand that we do not control the content and are not responsible for the privacy practices of that site. We suggest that you carefully review the privacy policies of each site you visit. This Privacy Statement does not cover the information practices of those websites linked to our Site. These other sites may send their own cookies to users, collect data, or solicit personal information.

Changes to This Statement

If there are changes or additions to the terms of this Privacy Statement, we will post those changes on our web site so that you will always know what information we collect online, how we use it, and what choices you have. Please be sure to check this page before proceeding to use our Site. Regardless of any changes we make to our Privacy Statement, we will always use your Personally Identifiable Information in accordance with the version of the Statement in place at the time you provided your information, unless you give your express consent for us to do otherwise.

Request for More Detailed Information

This Notice is a summary of our Privacy Policy. If you have any questions or concerns about Managed Care Administrators, Inc , use of your information or about this Privacy Statement, please Contact Us using our online contact form. You may also view our Notice of Privacy Practices and Pledge regarding Medical Information. Notice of Privacy Practices

Notes:

1 A URL is the global address of documents and other resources on the World Wide Web. For example, http://www.mymcai.com is the URL for Managed Care Administrators, Inc home page.

2 An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol ("TCP/IP") network, such as the World Wide Web. Networks use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web, allowing Web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet, browse and shop.

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