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    * All employer plans
   
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    * All member programs
   
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 1. Home
 2. Privacy

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    * Privacy - Golden Rule
    * Privacy - Individual & Family Plans (ACA Marketplace Plans)




ONLINE SERVICES PRIVACY POLICY

We recognize that the privacy of your information is important. This Online
Services Privacy Policy ("Privacy Policy" or "Policy") describes our practices
in connection with information we collect through the online and mobile
websites, platforms, services, and applications that we own or operate and that
contain a link to this Privacy Policy (collectively, "Online Services").

As used in this Policy, terms such as "we," "us," "our," and "Company" refer to
current and future affiliated entities, subsidiaries, agents, contractors, or
vendors of UnitedHealthcare, including our parent company UnitedHealth Group.
Our Online Services are intended for a United States audience. Any information
you provide, including any personal information, will be transferred to and
processed by a computer server located within the United States.

By using the Online Services, you consent to our collection, use, disclosure,
and storage of information as described in this Privacy Policy.

Our Privacy Policy explains:

 * When This Privacy Policy Applies
 * What Information We Collect About You
 * How We Use Your Information
 * How We Share Your Information
 * How to Manage Your Information
 * Protecting Your Information
 * Children Under 13
 * Additional Rights for California Residents
 * How to Learn about Health and Financial Privacy Practices
 * Specific Product Privacy Notices
 * Social Media Disclaimer
 * Social Security Number Protection Policy
 * Changes to This Policy
 * Contact Us


WHEN THIS PRIVACY POLICY APPLIES

Our Policy applies to Online Services that we own or operate and that contain a
link to this Privacy Policy. Our Policy does not apply to information collected
through other means such as by telephone, via Online Services that do not link
to this Privacy Policy, or in person, although that information may be protected
by other privacy policies.

Our Policy does not apply to the practices of other companies or other websites
or software applications that may be linked from or made available through our
Online Services.

The inclusion of a link on our Online Services or the ability to utilize a
third-party website or software application through our Online Services does not
imply that we endorse, or otherwise monitor the privacy or security practices of
that third-party website or software application or the accuracy of its content,
and your use of the third-party website or software application is governed by
the third-party's privacy policy.

Some of our products and services are regulated by certain state and federal
laws, including the Health Insurance Portability and Accountability Act
("HIPAA") and the Gramm-Leach-Bliley Act and may have specific privacy practices
("Product Privacy Notices") such as a HIPAA Notice of Privacy Practices or other
specific privacy practices that we want you to be aware. This information can be
found in the Specific Product Privacy Notices section of this Privacy Policy.
When a Product Privacy Notice exists, the content of the Product Privacy Notice
applies to your use of the product and service.

This Privacy Policy is not intended to and does not create any contractual or
other legal rights in or on behalf of any party.

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WHAT INFORMATION WE COLLECT ABOUT YOU

We may collect two basic types of information through the Online Services: (1)
information you provide directly to us, and (2) information that is
automatically provided to us or collected through your use of our Online
Services (collectively, “Information”).

Such Information may include information that identifies you such as your full
name, telephone number, email address, postal address, certain account numbers,
your User ID that you create or is assigned to you, health and medical
information, including Protected Health Information, financial information and
other information described in this Privacy Policy.

When you use the Online Services, you may provide certain Information directly
to us. For example, you may input a telephone number or email address into a
webform or enter information into a chat functionality. We also may make certain
information available to you on the Online Services that we collect from other
sources. For example, we may pre-populate certain demographic information in an
online form or make health or medical information viewable on the Online
Services that you have provided to us on paper forms or maintained in other
information systems.

We also may obtain Information that is automatically collected through the
Online Services. The automatically collected Information may include
demographic, de-identified, aggregated, or certain information from your device
such as technical information about your device, web-browser information, and
server log files collected by us or provided by you. See Cookies and Tracking
for more information on automatically collected information.

You may limit the Information you provide or make available to us if you want
to; however, that may limit your ability to access or use certain functions of
the Online Services or to request certain services or information.


MOBILE DEVICES AND APPLICATIONS

In addition to the Information identified above, we may collect the following
Information:

INFORMATION THAT IDENTIFIES YOU

 * Health, medical, therapy, or financial information;
 * Information created by the Company;
 * Location data such as GPS, Wi-Fi, or carrier network location (see below for
   more details); and
 * User files stored on your device like calendars, photos, and videos, if you
   grant permission through your device settings.

WHAT YOU DO ON YOUR DEVICE

 * Camera use. Certain features may have access to your camera if you grant
   permission in your device settings;
 * Local storage;
 * Phone dialer;
 * Use of screen, e.g., what points are touched, frequency, etc.; and
 * Patterns of app usage.

DEVICE OR SYSTEM DATA

 * Mobile Device Identifier, e.g., UDID, Android ID; and
 * Technical information about your device and system and application software,
   e.g., type of phone, Operating System (OS), and IP address.

We may obtain location data from your device to provide location-related
services (e.g., driving directions or distance calculation, via the mobile
application). You may withdraw consent to use precise, real-time, or network
location data at any time by turning off the location-based feature on your
mobile device or by not using any location-based features. If you withdraw your
consent, functionality associated with precise, real-time, or network location
(e.g., navigation) will no longer work.

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HOW WE USE YOUR INFORMATION

We may use your Information:

 * To respond to an email, chat or other instant message or particular request
   from you;
 * To communicate with you;
 * To provide you with content, services, and functionality through our Online
   Services or other services that we may offer;
 * To process an application for a product or service as requested by you;
 * To authenticate you on any portion of our Online Services and with vendors
   acting on our behalf;
 * To administer surveys and promotions;
 * To personalize your experience on our Online Services;
 * To provide you with informational or promotional offers, as permitted by law,
   that we believe may be useful to you, such as information about products or
   services provided by us or other businesses;
 * To perform analytics and to improve our products, Online Services, and
   advertising;
 * To facilitate the provision of software updates and product support;
 * To improve products and other services related to the Online Services or to
   provide services or technologies to you;
 * To comply with applicable laws, regulations, and legal process;
 * To protect someone's health, safety, or welfare;
 * To protect our rights, the rights of affiliates or related third parties, or
   to take appropriate legal action, such as to enforce our Terms of Use;
 * To keep a record of our transactions and communications; and
 * As otherwise necessary or useful for us to conduct our business, so long as
   such use is permitted by law or for any other purpose with your consent.

We may use Information to contact you through any contact information you
provide through our Online Services, including any email address, telephone
number, cell phone number, or fax number. We may communicate, electronically or
via telephone with you about your benefit plan, programs, products, or services
that are or may be available to you in connection with your transactions with us
including, but not limited to, Online Services updates, account information,
general wellness, prescription or appointment reminders, general health
information, newsletters, and surveys. These electronic communications may
contain protected health information. You acknowledge and accept that such
communications may be sent unencrypted and there is some risk of disclosure or
interception of the contents of these communications. To learn more about our
communications practices, please visit our Consumer Communications Notice.

We may, when permitted, combine your Information with other information, whether
online or offline, maintained or available to us from you or from other sources,
such as from our vendors, and we may use and disclose combined data for the
purpose described in this Section or for internal business purposes. We may,
when permitted, use and disclose de-identified and aggregated data for any
purpose, which may include, without limitation, disclosures to third parties for
analytics purposes such as evaluating the Online Services and providing
additional benefits, programs, and services.

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HOW WE SHARE YOUR INFORMATION

We will only share your Information with third parties as outlined in this
Policy and as otherwise permitted by law or as permitted with your consent.

We may share Information if all or part of the Company is sold, merged,
dissolved, acquired, or disbanded to any extent in a similar transaction, or in
connection with steps that may need to be taken in anticipation of such events.

We may share Information in response to a court order, subpoena, search warrant,
or to comply with law or regulation. We may cooperate with law enforcement
authorities in investigating and prosecuting activities that are illegal,
violate our rules, or may be harmful to other visitors.

We may also share Information within the Company, including among affiliates, or
with our parent company, or subsidiaries.

We may also share Information with other third-party companies with which we
have a business relationship or hire to perform services on our behalf. For
example, we may hire a third-party company to help us send and manage email, and
we might provide that third-party company with your email address and certain
other Information for them to send you an email message on our behalf.
Similarly, we may hire third-party companies to host or operate some of our
Online Services and related computers and software applications.

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HOW TO MANAGE YOUR INFORMATION

Our Online Services may permit you to view your profile, if applicable, and
access related Information about you and to request changes to such Information.
Please remember, however, if we have already disclosed some of this Information
to third parties, we may not have access to that disclosed information and may
not be able to force the modification of any Information by the third parties to
whom we have made those disclosures.


COMMUNICATION PREFERENCE MANAGEMENT

Our Online Services may permit you to select how you would like to receive
certain communications. You can view and update your communication preferences
in your Account/Profile settings after logging into the Online Services.

We may offer mobile applications that enable us to communicate with you through
push notifications. Where mobile applications are offered, you may be able to
manage push notifications in your mobile phone or tablet settings. You may also
be able to control preview settings in your email applications.

If you need additional assistance in opting-out of a communication,
please Contact Us for assistance. Please be aware that opt-outs may not apply to
certain types of communications, such as account status, Online Service updates,
or other communications.


INFORMATIONAL CALLS AND TEXTS

When you provide us a telephone number, whether landline or mobile, we may
contact you, using automated, pre- recorded, or non-automated means, to provide
you information about existing benefits, programs, products, services, or tools.

Personal Information collected through our texting programs will not be shared,
sold, or disclosed to third parties for their own marketing purposes.

We reserve the right to modify this section at any time. The modified section
will be effective immediately upon posting. Your continued receipt of
Informational Electronic Communications and Informational Calls and Texts will
constitute your acceptance of the modified section.


COOKIES AND TRACKING

The Company may use various technologies, including cookies, tokens, tags, web
logs, web beacons, scripts, and web server logs to gather automatically
collected information and may aggregate this information from visitors of our
Online Services or to enable certain features of our Online Services. This
information may include demographic data, technical information about the
technology (e.g., phone, computer) you use to connect to the Online Services,
web browser information, your IP address, and browsing behavior such as pages
visited and how often they are visited (collectively, "Activity Information").
We may also use third-party analytics companies to provide these services.

We may also allow third-parties to use cookies and other technologies to collect
Activity Information and to track browsing activity over time and across
third-party websites such as web browsers used to read our Online Services,
which websites are referring traffic or linking to our Online Services, and to
deliver targeted advertisements to you. We do not control these third-party
technologies, and their use of such technologies is governed by their own
privacy policies. For more information about third-party advertising networks
and similar entities that use these technologies, see youradchoices.com/control,
and to opt-out of such ad networks' and services' advertising practices, go
to optout.aboutads.info and optout.networkadvertising.org/. Once you click the
links, you may choose to opt out of such advertising from all participating
advertising companies or only from advertising provided by specific advertising
companies. Please note that, to the extent advertising technology is integrated
into the Online Services, you may still receive advertisements even if you opt
out of tailored advertising. In that case, the ads will just not be tailored.
Also, we do not control any of the above opt-out links and are not responsible
for any choices you make using these mechanisms or the continued availability or
accuracy of these mechanisms.

Activity Information is captured using various technologies and may include
cookies. "Cookies" are small text files that may be placed on your computer or
mobile device when you visit an Online Service or click on a URL using your web
browser. Cookies may include "single-session cookies" which generally record
information during only a single visit to a website and then are erased, and
"persistent" cookies which are generally stored on a computer or mobile device
unless or until they are deleted or are set to expire. You may disable cookies
and similar items by adjusting your browser preferences at any time; however,
this may limit your ability to take advantage of all the features on our Online
Services. In addition, you may also have additional means to manage the
collection of Activity Information by:

 * Managing the use of "flash" technologies, with the Flash management
   tools available at Adobe's website;
 * Clicking on the "Opt-Out" link at the bottom of the home webpage, if
   applicable;
 * Visiting Google to "Opt-Out" of display advertising or customize Google
   display network ads; and
 * Choosing the Session Cam “Opt-Out” link.

Please note that we do not currently respond to web browser "Do Not Track"
signals that provide a method to opt out of the collection of Information about
online activities over time and across third-party websites or online services
because, among other reasons, there is no common definition of such signals and
no industry-accepted standards for how such signals should be interpreted.

We gather Activity Information about you to improve the quality of our services,
such as the best method and time to contact you. Without limiting the other ways
in which we may use Information as described herein, we may otherwise use and
disclose your Activity Information unless restricted by this Policy or by law.
Some examples of the ways we use your Activity Information include:

 * Customizing your experiences, including managing and recording your
   preferences;
 * Authenticating your account information;
 * Marketing, product development, and research purposes;
 * Tracking resources and data accessed on the Online Services;
 * Developing reports regarding Online Service usage, activity, and statistics;
 * Assisting users experiencing problems with our services;
 * Updating and servicing our Online Services;
 * Enabling certain functions and tools on the Online Services; and
 * Tracking paths of visitors to the Online Services and within the Online
   Services.

As described above, we may use tracking technologies that allow us to recognize
your device when you return to our Online Services within a period of time, as
determined by us, and to support automatic login to your Online Services. To
maintain your privacy, you should affirmatively log out of your account prior to
your session ending (whether you end your session or we end your session, for
example if our Online Services has "timed out" - i.e., we have ended your
session automatically after a period of inactivity as determined by us in our
sole discretion). Unless you affirmatively log out of your account, you may be
automatically logged back in the next time you or any user of your devices
visits the Online Services.


RETENTION OF DATA

We will retain your personally identifiable information (PII) and Activity
Information for as long as is necessary for the purposes set out in this Privacy
Policy. We will retain and use your PII to the extent necessary to comply with
our legal obligations (for example, if we are required to retain your data to
comply with applicable laws), resolve disputes, and enforce our legal agreements
and policies.


POSTING MESSAGES, COMMENTS AND CONTENT

Our Online Services may have voluntary collaboration areas, including but not
limited to "blogs," "bulletin boards," "leader boards," and "health games," that
permit users to have collaborative discussions and/or share Information. Some of
our Online Services may permit you to select a display name or image that will
be your "nickname" on the Online Service. Please note, any Information you
submit or post to these collaboration areas, including your display name or
image, may be visible by other users of the Online Service, and such users may
be able to identify you and make information public. Out of respect for the
privacy of others, please avoid referring to the full names of others in your
response and refrain from sharing other participants’ identities or comments
outside of these discussions.

Also see our Social Media Disclaimer to learn about our practices related to
posting on our social media accounts.

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PROTECTING YOUR INFORMATION

We maintain administrative, technical, and physical safeguards designed to
protect the Information that you provide on our Online Services. These
safeguards vary based on the sensitivity of the Information that is being
collected, used, and stored. We cannot guarantee the security of our Online
Services, nor can we guarantee the security of the Information you transmit to
us over the Internet, including your use of email. We are not liable for the
illegal acts of third parties such as criminal hackers.

It is your responsibility to safeguard the devices you use to access our Online
Services (such as laptops, tablets and mobile devices), and to use appropriate
security settings on those devices. If those devices are lost, stolen or
misplaced, others may be able to access your account and your personal
Information using those devices. You should affirmatively log out of your
account (i) prior to ending your session, or (ii) if you will be inactive on the
Online Services for more than a few minutes; otherwise, the next user of that
computer or device, particularly a public one or one not owned by you, may be
able to access your account and the Information in your account if your session
has not ended.

You agree that we are not responsible for any harm that may result from someone
accessing your account or personal Information on any computer or device where
you do not, for any reason, take the necessary steps to log out of your account
prior to ending a session on such device or computer.

We retain Information for as long as necessary for the purpose for which it is
collected, subject to a longer period if the Information is relevant to a legal
challenge.

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CHILDREN UNDER 13

We will not intentionally collect any personal information (as that term is
defined in the Children's Online Privacy Protection Act) from children under the
age of 13 through our Online Services without receiving parental consent. If you
think that we have collected such personal information from a child under the
age of 13 through our Online Services, please Contact Us immediately.

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ADDITIONAL RIGHTS FOR CALIFORNIA RESIDENTS


CALIFORNIA “SHINE THE LIGHT” PRIVACY RIGHTS

California law permits our customers who are California residents to request
certain information regarding the disclosure of certain personal information to
third parties for their direct marketing purposes.

If we have disclosed any personal information to third parties for direct
marketing purposes, we will provide a list of the categories of personal
information, along with the names and addresses of these third parties to you at
your request. To make such a request, write us at the postal or email address
found in the Contact Us section of this Policy.

This request may be made no more than once per calendar year. We reserve our
right not to respond to requests submitted other than to the specified email or
postal address. You should put "California Privacy Rights-Direct Marketing" in
the email subject line and in the body of your request. You must provide us with
specific information regarding yourself so that we can accurately respond to the
request.


CALIFORNIA MINORS UNDER 18

If you are a California resident under the age of 18 and are a registered user
of our Online Services, you may request that we remove from our Online Services
any content you post to our Online Services that can be accessed by any other
user (whether registered or not). Please note that any content that is removed
from visibility on our Online Services may still remain on our servers and in
our systems. To request removal of content under this provision, please write or
email us at the postal or email address found in the Contact Us section of this
Policy. When you write to us, please provide us with a description of the
content and the location of the content on our Online Services, along with any
other information that we may require to consider your request. Please note that
removal of content under this provision does not ensure complete or
comprehensive removal of the content or information posted on the Online
Services by you.

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HOW TO LEARN ABOUT HEALTH AND FINANCIAL PRIVACY PRACTICES

Some of our products and services are regulated by certain laws, including the
Health Insurance Portability and Accountability Act (“HIPAA”) and the
Gramm-Leach-Bliley Act.

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HEALTH INFORMATION PRIVACY PRACTICES

If you receive healthcare products or services, visit the applicable HIPAA
Notice of Privacy Practices, available in the Specific Product Privacy
Notices section of this Policy, to learn about how we protect, use, and share
Protected Health Information (PHI) for your medical treatment, payment for
services, our operations, or as permitted by law. The HIPAA Notice of Privacy
Practices also describes your right to:

 * See and obtain a copy of certain PHI, including your medical, billing,
   claims, and case management records;
 * Request confidential communications;
 * Request certain restrictions on the use and disclosure of your PHI;
 * Request a correction to your PHI; and
 * Request a paper copy of the HIPAA Notice of Privacy Practices.

Please note, we do not use PHI for activities or secondary purposes not
permitted by HIPAA.

You may notify us of a personal representative permitted to act on your behalf
by contacting the toll-free member phone number on your health plan ID or other
membership card.


FINANCIAL INFORMATION PRIVACY PRACTICES

If you receive financial products or services, visit the applicable Financial
Information Privacy Notice, available in the Specific Product Privacy
Notices section of this Policy, to learn about how we protect, use, and share
your personal information, and how you can contact us to ask questions about
that activity.

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SPECIFIC PRODUCT PRIVACY NOTICES

The following Product Privacy Notices supplement this Policy and explain
specific privacy notices with respect to certain products and services that you
may use, including access to more information about health or financial privacy
notices.

 * HIPAA Notice of Privacy Practices - Medical for Employers and Individual
   Plans (pdf)

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SOCIAL MEDIA DISCLAIMER

Are you using social media? So are we! We encourage you to read, share, follow
us and provide commentary on Facebook®, Twitter®, Pinterest®, Instagram® and
other social media sites ("Social Media Site"). Before you post on our pages or
accounts, please make sure you read our social media disclaimer:

We are under no obligation to screen or monitor your posts or any other user
content; however, we reserve the right to monitor participation to ensure that
you stay on topic, are courteous and avoid making offensive comments. Your posts
and user content must adhere to the following requirements and cannot:

 * Contain any third-party material including logos, drawings, tattoos,
   photographs, pictures, sculptures, paintings and other images or works of
   art, phrases, trademarks, trade secrets, or other items without explicit,
   prior, written permission to use such materials;
 * Contain sexually explicit, graphic, gratuitous or unnecessarily violent
   content or defamatory or derogatory content against any ethnic, racial,
   gender, religious, sexual orientation, professional or age group, or contain
   any pornographic or nude material;
 * Contain any private information about yourself or any other individual,
   including without limitation, information related to the health of the
   individual, financial information about the individual, or any identification
   or account numbers related to the individual, with or without their
   permission or consent;
 * Contain any software viruses or any other computer code, files or programs
   designed to interrupt, destroy or limit the functionality of any computer
   software, hardware, or telecommunications equipment; and
 * Contain any advertising, promotional materials, "junk mail," "spam," "chain
   letters," "pyramid schemes," or promote illegal activity and/or illegal
   contests, sweepstakes, gambling, including any online casino, sports books,
   bingo, poker, or any other form of solicitation.

We reserve the right to edit comments for content, remove off-topic
contributions, delete offensive comments or remarks, block offensive
contributors, and delete actual or suspected spam content from any Social Media
Site. Please be aware that once you post something online, there is the
potential for numerous individuals to read your words, even years from now.
Therefore, we suggest that you exercise caution when posting on any Social Media
Sites and that you not disclose Information like your location, medical record
number, personal medical information, financial information, etc. We are not
responsible for the content of any comments or responses posted by others to any
Online Service or Social Media Site we manage or monitor. We do not control the
placement of any marketing or advertising displayed on our pages by social media
or third-party organizations. 

Please remember that content posted on any of our social media profiles or
platforms is for general informational purposes only and should not be
considered medical advice and should not replace a consultation with your health
care or financial professional. Always consult an appropriate health care or
financial professional for your specific needs. If you are experiencing a
medical emergency, call 9-1-1 or your local emergency number. Some treatments
mentioned on social media formats may not be covered by your health plan. Please
refer to your benefit plan documents for information about coverage.

We reserve the right to respond to any post or user content and may occasionally
privately request your contact information to assist you offline, with your
consent, by routing the matter to the appropriate persons or department for
further handling.  Any further questions about your account, claims or benefits
or request for additional information can be addressed by visiting your member
or patient website or calling the toll-free member phone number on your health
plan or member ID.

All trademarks are the property of their respective owners.

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SOCIAL SECURITY NUMBER PROTECTION POLICY

It is our policy to protect the confidentiality of Social Security numbers
(“SSNs”) that we receive or collect in the course of business. We secure the
confidentiality of SSNs through various means, including physical, technical,
and administrative safeguards that are designed to protect against unauthorized
access. It is our policy to limit access to SSNs to that which is lawful and to
prohibit unlawful disclosure of SSNs.

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CHANGES TO THIS POLICY

We may change this Policy at any time. If we do so, such change will appear on
this page. You may always visit this Policy to learn of any updates. Your
continued access to or use of the Online Services constitutes your consent to
these changes to this Policy.

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CONTACT US

Contact us regarding this Policy or related privacy practices. If you believe we
or any company associated with us has misused your Information, please contact
us immediately.

UnitedHealthcare
Customer Service - Privacy Unit
PO Box 740815
Atlanta, GA 30374-0815

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EFFECTIVE DATE

December 21, 2022

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