FBMC Privacy Statement
This statement applies to products administered by FBMC Benefits Management, Inc. (FBMC). FBMC takes your privacy very seriously. As a carrier of products and services that involve compiling personal-and sometimes, sensitive-information, protecting the confidentiality of that information has been and will continue to be, a top priority of FBMC. This Privacy Statement explains how FBMC handles and protects the personal information we collect. Please note that the information we collect and the extent to which we use it will vary depending on the product or service involved. In many cases, we may not collect all of the types of information noted below. Note this Privacy Statement is not meant to be a Privacy Notice as defined by the Health Insurance Portability and Accountability Act (HIPAA), as amended.
FBMC’s privacy statement is as follows:
I. We collect only the customer information necessary to consistently deliver responsive services.
FBMC collects information that helps serve your needs, provide high standards of customer service, and fulfill legal and regulatory requirements. The sources and types of information collected generally vary depending on the products or services you request and may include:
Information provided on enrollment and related forms – for example, name, age, address, Social Security number, e-mail address, annual income, health history, marital status, and spousal and beneficiary information.
Responses from you and others such as information relating to your employment and insurance coverage.
Information about your relationships with us, such as products and services purchased, transaction history, claims history, and premiums.
Information from hospitals, doctors, laboratories and other companies about your health condition, used to process claims and prevent fraud.
II. Under Federal Law, you have certain rights with respect to your protected health information.
You have rights to see and copy the information, receive an accounting of certain disclosures of the information and, under certain circumstances, amend the information. You also have the right to file a complaint with your Employer or with the Secretary of the U.S. Department of Health and Human Services if you believe your privacy rights have been violated.
III. We maintain safeguards to ensure information security. We are committed to preventing unauthorized access to personal information.
We maintain physical, electronic, and procedural safeguards for protecting personal information. We restrict access to personal information to those employees, insurance companies, and service carriers who need to know that information to provide products or services to you.
IV. We limit how, and with whom, we share customer information.
Notice of Administrator’s Capacity
This notice advises insured persons of the identity and relationship among the contract administrator, the policyholder, and the insurer:
Contract Administrator. FBMC Benefits Management (FBMC) has been authorized by your employer to provide administrative services for your employer’s insurance plans offered within your benefits program. In some instances, FBMC may also be authorized by one or more of the insurance companies underwriting the benefits to provide certain services, including, but not limited to: marketing; billing and collection of premiums; and processing insurance claims payments. FBMC is not the policyholder or the insurer.
Policyholder. This is the entity to whom the insurance policy has been issued; the employer is the policy holder for group insurance products and the employee is the policyholder for individual products. The policyholder is identified on either the face page or schedule page of the policy or certificate.
Insurer. The insurance companies noted herein have been selected by your employer, and are liable for the funds to pay your insurance claims.
If FBMC is authorized to process claims for the insurance company, we will do so promptly. In the event there are delays in claims processing, you will have no greater rights to interest or other remedies against FBMC than would otherwise be afforded to you by law. FBMC is not an insurance company.