Privacy Policy
site, we receive and maintain certain information regarding our subscribers and members. Information received from
the TENNHEALTH CONSULTING web site depends in part on what you do when you visit or transact business on the
TENNHEALTH CONSULTING web site. TENNHEALTH CONSULTING respects the privacy of every individual who visits
our web site. Therefore, we would like to define the types of information we receive and describe how it is maintained
in this privacy policy ("Privacy Policy"). This policy refers only to the information collected and maintained from this
Web site.
USING THIS WEB SITE CONFIRMS YOUR CONSENT AND AGREEMENT TO OUR PRIVACY POLICY, INCLUDING
COLLECTION, USE AND DISCLOSURE OF INFORMATION BY TENNHEALTH CONSULTING AS DESCRIBED HEREIN.
YOUR USAGE ALSO SIGNIFIES YOUR COMPLIANCE WITH OUR USER AGREEMENT.
• Guests - Browsers of our web site often visit solely to obtain general information about TENNHEALTH
CONSULTING’s services. If you visit our web site to read or download information, you enter our site as a guest. As a
guest, we collect and store only the following information: the name of the domain from which you access the Internet
(for example: aol.com, if you connect from an America Online account), the date and time you accessed our site and
the Internet address of the web site from which you linked directly to our site. We use this information to measure the
number of visitors to the different sections of our site and to help us make our site more useful to visitors.
• Members Under 13 Years of Age – TENNHEALTH CONSULTING often covers minor dependents through their
parent or legal guardian’s health insurance policy. Children under the age of 13 can access our site as guests.
Should they wish to use a service or feature available through the TENNHEALTH CONSULTING web site, we require
that they do so with the permission of their legal guardian (i.e. user name and password of legal guardian).
TENNHEALTH CONSULTING will not knowingly collect or use any personal information regarding a user under the age
of 13 without the consent of a parent or guardian. Should you have any additional questions, please contact us at
info@tennhealth.com.
• E-Mail (Requests and Submissions) – Please do not send e-mail to us with personal information. TENNHEALTH
CONSULTING has no way to secure personal information sent via e-mail because this information can be accessed by
other users on the Internet. If you send us e-mail to ask a question, we will only use the information you provide to
answer your request. Personal information will not be provided to a non-affiliated third party without your prior
consent, except as permitted by federal and state law. If you have submitted information about yourself through our
web site and/or e-mail message and would like for us to delete that information from our records, please send an e-
mail to info@tennhealth.com. We will make every effort to delete your personal information from our files.
• Statistical Data – TENNHEALTH CONSULTING continually strives to enhance the features and services that are
offered to our web site browsers. In an effort to determine the effectiveness and functionality of our web site, we
monitor aggregated data regarding the use of our web site. For instance, we track the number of visits to a certain
page; direct links from other web sites; and frequency of usage for independent services (i.e. claim status, application
for coverage, etc). Questionnaires or surveys, during usage, are sometimes utilized to develop and improve the
services offered. Although questionnaires and surveys assist TENNHEALTH CONSULTING in enhancing the services
offered through our web site, we understand that not everyone is comfortable participating. Therefore, questionnaires
and surveys are not mandatory for our users and allow the user to choose not to participate. We may share statistical
data with our affiliates, and providers for marketing purposes and the improvement and promotion of our web site
services. Although we reserve the right to share this information as indicated above, this statistical data, including
questionnaires and surveys, does not contain any personal information that could disclose the user’s identity.
Disclosure of Non-Public Personal Information:
We restrict access to nonpublic personal information unless it is needed to complete a transaction that our member
has authorized (i.e. claims administration, adjustment and management; detection, investigation or reporting of actual
or potential fraud; misrepresentation or criminal activity; underwriting; policy placement or issuance; loss control;
ratemaking and guaranty fund functions; reinsurance and excess loss insurance; risk management; case
management; disease management; quality assurance and improvements; utilization review, actuarial, scientific,
medical or public policy research; grievance procedures, audits, etc). Information is shared with entities (i.e. providers
and vendors) that assist TENNHEALTH CONSULTING in supplying products and services to our members or that
promote products and services on behalf of TENNHEALTH CONSULTING. Information is provided to nonaffiliated third
parties as required or allowed by federal and state law. TENNHEALTH CONSULTING maintains physical, electronic,
and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
We reserve the right to disclose personal information to entities that perform marketing services (i.e. brokers) on our
behalf or to other institutions with which we have joint marketing agreements. TENNHEALTH CONSULTING requires
each entity to execute a Confidentiality Agreement prior to disclosure. The following information may be shared:
1. name, address and telephone number;
2. social security number and date of birth;
3. policy coverage, benefits, premiums and payment history; and
4. limited medical information (i.e. provider name, date of service, referral and authorization information, primary
care physician).
Retention of Information Collected:
The non-public personal information collected and maintained from this web site will be retained for six years from the
date of its creation or the date when it was last in effect, whichever is later.
Use of Cookies:
A “cookie” is a mechanism that permits a Web server to send small pieces of information or text through your browser
to be stored on your hard drive. This information or text allows the server to identify frequent visitors and enhance the
user’s experience on the Web site.
TENNHEALTH CONSULTING may collect information through the use of cookies in order to enhance navigation of the
site, to direct you to appropriate pages, and for session security and timeout purposes. Cookies used on this site are
active only during your site session and are not persistent, i.e, they are not stored on your system. Our cookies are
not used to track your activity on any site other than TennHealth Consulting.com nor will they be utilized to send
unsolicited e-mail or provide us with the user’s personally identifiable information. The information collected in these
cookies is not linked to your personal health information, and we do not use clear GIFs or third party cookies, nor do
we share information collected through cookies with third parties.
Your browser software can be set to disallow all cookies. Instructions on setting your browser to reject cookies are
usually located in the "Help" section of the toolbar, depending on your browser type. If you choose not to accept our
cookies, you should still be able to access most of the public areas of our site, although some of the features of
interactive sections may be limited, and we will not be able to authenticate you for the non-public secure sections
where a logon is required.
Direct Access to Other Sites:
TENNHEALTH CONSULTING offers direct links to other separate and individual web sites that offer information, which
could be beneficial to our clients. Since these direct links are separate web sites independent of TennHealth
Consulting.com, they may not follow the same privacy guidelines set forth here. TENNHEALTH CONSULTING assumes
no responsibility or control over the acts or privacy policies of the third party web sites to which TENNHEALTH
CONSULTING provides direct links. We suggest that you contact the appropriate controlling authorities of these sites
or review their privacy policy.
Opt-Out
TENNHEALTH CONSULTING provides its clients and users the opportunity to ‘‘opt-out’’ of having their information
used for purposes not related to the TENNHEALTH CONSULTING Web site when TENNHEALTH CONSULTING
requests such information. Users who wish to remove their information collected by the TENNHEALTH CONSULTING
Web site can do so by contacting us at info@tennhealth.com. TENNHEALTH CONSULTING will not use your
information collected by the TENNHEALTH CONSULTING Web site for marketing purposes unless allowed by State
and Federal Law.
Correction/Updating Personal Information
If the personally identifiable information of a user of our services changes or a group’s information changes, or if the
user or group no longer desires to use the services on this web site, TENNHEALTH CONSULTING will endeavor to
provide a way to correct, update or remove that user’s personal data. To correct or update personal information,
contact TENNHEALTH CONSULTING at info@tennhealth.com.
TENNHEALTH CONSULTING Reserves The Right To Modify Its Privacy Policy
TENNHEALTH CONSULTING reserves the right to change or update this Privacy Policy at any time. Any changes
made to our privacy policy will be posted on this site in a manner that is easily identifiable. Please review our privacy
policy on a regular basis to review any changes.
