Notice of Privacy Practices for Personal Health Information
THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE READ IT CAREFULLY.
As your insurer, Pan-American Life Insurance Company (“Pan-American Life”) may collect certain health information from you, either from your insurance application for coverage or from yourself or your provider for reimbursement of medical expenses, and for other purposes that are permitted or required by law.
USES AND DISCLOSURES OF YOUR MEDICAL INFORMATION
Pan-American Life is permitted or required by law to use or disclose your medical information without your consent or authorization for the following purposes:
For example, Pan-American Life may use and disclose your health information to a physician or other health care provider providing treatment to you.
For example, Pan-American Life may use and disclose your health information to process or pay claims, or to collect payment from third parties, such as other health plans or providers, for the care you receive. Pan-American Life may also disclose information regarding your coverage or your medical information to other health plans to coordinate payment of benefits.
HEALTH CARE OPERATIONS
For example, Pan-American Life may use and disclose your health information for its own health care operations. These purposes include (i) to conduct quality assessment and improvement activities, (ii) for underwriting, premium rating or related functions to create, renew or replace health insurance or health benefits, (iii) review and auditing, including compliance reviews, medical reviews, legal services and compliance programs, (iv) business planning and development including cost management and planning related analyses and formulary development, (v) business management and general administrative activities of Pan-American Life administered health plans, including customer service and resolution of internal grievances.
HEALTH RELATED SERVICES
For example, Pan-American Life may use and disclose your health information to contact you about health related products and services that may be of interest to you.
For example, Pan-American Life may use and disclose your health information to business associates to assist Pan-American Life with its payment or health care operations. In all cases, Pan-American Life requires these business associates to appropriately safeguard the privacy of your information.
For example, Pan-American Life may under certain conditions use and disclose your health information to a plan sponsor for statistical, renewal or quotation purposes. However, your plan sponsor is not permitted to use such information for employment purposes.
OTHER USES AND DOSCLOSURES
Pan-American Life may use or disclose your health information as authorized by law as follows:
- for any purposes as required by law;
- for public health activities, such as required reporting of certain diseases;
- as required by law if we believe you to be a victim of abuse, neglect, or domestic violence;
- to health oversight agencies;
- in response to court and administrative orders and other lawful processes;
- to law enforcement officials as required by law;
- to coroners and/or funeral directors consistent with law;
- if necessary to arrange an organ of tissue donation from you or a transplant for you;
- to avert a serious threat to health or safety;
- to the military and to federal officials for lawful intelligence, counterintelligence, and national security activities;
- to correctional institutions regarding inmates; and
- as authorized by and to the extent necessary to comply with state worker’s compensation laws.
Pan-American Life will adhere to all state and federal laws or regulations that provide additional privacy protection.
If you have any questions or concerns about Pan-American Life privacy practice, please contact us at:
In the Continental United States:
Pan-American Life Insurance Group
Attn: Privacy Officer
601 Poydras Street, Suite 1530
New Orleans, LA 70130
In Puerto Rico:
Pan-American Life Company of Puerto Rico
Attn: Compliance Department
P.O. Box 364865
San Juan, Puerto Rico 00936
These policies are provided on behalf of the following Pan-American Life Insurance Group member companies and their subsidiaries: