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Calculate your cost
for health and life Insurance!
Get Rates & Plans Now
Or call today!
877-734-3884

Affordable Care Act Privacy Notice

Affordable Care Act Privacy Notice

This notice explains how Paul M. Cholak, dba Get Insurance Anywhere, may collect, use and share your information. Information in this statement applies in addition to our normal privacy notice, in accordance with the Affordable Care Act.

Why is this notice published and/or given to me? We are legally required to give you this notice and/or make it available for your review by applicable law and our agreement with the Federal government. We respect your personal information and want you to fully understand how we may use and share your information.

What information will you ask me to give you? We must collect certain information about you, called Personally Identifiable Information ("PII") in order to help you complete your application for health insurance on the Federally Facilitated Marketplace ("FFM," also known as an "Exchange"). PII is information that can be used to identify you or trace your identity. Though not a complete list, following are examples of PII:

  • Name
  • Address
  • Date of birth
  • Telephone number
  • Social Security number
  • Household income
  • Marital status
  • Race or ethnicity
  • Credit or debit card number
  • Checking or saving account information, e.g. routing number and account number

Additional details about the meaning of PII are contained in the government's guidance, OMB Memoranda M-07-16 (issued May 22, 2007).

How will you use my information? We will use only the information that we need to help you obtain insurance through the FFM and to provide authorized functions approved by the FFM or other services as permitted under applicable law.

Though not complete, these are the most common of the authorized functions that we may conduct:

  • Helping you with your application for insurance
  • Answering questions about your eligibility, including eligibility for Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs)
  • Helping you enroll in a qualified health plan
  • Helping with filing appeals of eligibility determinations
  • Correcting errors in your application
  • Correcting/resolving any billing problems with your insurance carrier
  • Answering questions about your insurance policy, including finding in-network providers, determining if a medication is covered in your plan's formulary, and answering questions about what your plan covers

Will you share my information with anyone? We may only share your information as described in this notice. We may share your information with certain federal or state agencies, the health insurer you select or subcontractors who help us provide services to you. We must get your permission to share your information for any other purpose not described in this notice.

What happens if I don't share my information with you? To successfully enroll in a Qualified Health Plan (QHP) or otherwise facilitate your receipt of an Advance Premium Tax Credit (APTC) or Cost-Sharing Reduction (CSR), certain PII may be required. This is voluntary and not mandatory under applicable law; however, if you do not share this information with us, you may not be able to enroll in a QHP on the FFM. If an individual chooses not to provide certain PII in the course of enrolling or receiving assistance in enrolling in a QHP on the FFM, the accuracy of an individual's enrollment in a QHP, or receipt of APTCs or CSRs may be compromised and/or invalidated.

Will you keep my information safe? Yes, We are required to keep your information safe. We have developed a privacy and security policy we must follow to make sure we protect your PII.

Legal Authority for Collection of PII. Agents, Brokers and Other Entities (ABEs) have been granted the legal authority to collect this information by Section 1312(e) of the Affordable Care Act (ACA), which requires the Secretary of the U.S. Department of Health and Human Services to establish procedures under which ABEs may participate in the Federally-Facilitated Marketplace (or Exchange). ABEs are further permitted by federal regulation (45 CFR 155.220) to enroll individuals in a Qualified Health Plan offered on the Federally-Facilitated Marketplace (or Exchange) and to assist individuals in applying for enrollment, Advance Premium Tax Credits, and Cost-Sharing Reductions to the extent permitted to do so under state law and regulation.

2020 Schedule
Affordable Care Act Open Enrollment
November 1, 2019 Open Enrollment begins.
December 15, 2019 is the last day to enroll for 2020 on the federal facilitated marketplace.
January 1, 2020 Coverage starts.

2020 Schedule
Medicare Annual Enrollment Period
October 1, 2019 Pre-enrollment period starts. 2020 plans can be discussed.
October 15, 2019 Enrollment starts.
December 7, 2019 is the last day to enroll for a 2020 plan.
January 1, 2020 Coverage starts.

family consulting

We offer a comprehensive set of Affordable Care Act (“Obamacare”) plans

to individuals and families qualified to buy health (tax- and non-tax subsidized) insurance and dental/vision and/or hearing plans through the Federal marketplace (this is called buying “on-exchange” or “on-marketplace”) or directly from insurance carriers (this is referred to as buying “off-exchange or -marketplace”). Our Affordable Care Act policies comply with the Affordable Care Act and contain all of the “essential health benefits” required by that law.

The dental/vision and/or hearing insurance

products are available both on an insured or discount basis

We offer short-term health insurance policies

for those who are looking for more inexpensive coverage and shorter term alternatives.

We offer Medicare Supplement, Medicare Advantage, and Part D Drug plans

to Medicare beneficiaries. Our site is compliant with federal, state, and carrier guidelines in selling these policies. See the Medicare section of this site for details.

We represent many carriers that offer supplemental benefits

to both individuals and families and Medicare beneficiaries, and the site contains information about hospital indemnity, cancer, critical illness, gap, accident, and international medical insurance offered by many different carriers. This section of the site also contains valuable information and tools about lowering the cost of prescription medications. Call us if you want more information about or would like to enroll in one of these products.

We also offer Short- and Long-Term Disability products

and can also help you meet the costs of long-term care, nursing home, or short-term (recovery) care needs.

Finally, we have a complete array of Life, Final Expense, and Annuity products

and offer pre-need services in Florida, as we have both life insurance and pre-need licenses in that state.

You pay nothing for our services:

we’re paid directly from the carriers we represent, Premiums are NEVER EVER marked up to include paying us for our services: you pay the same whether you order directly from the carrier or the marketplace on your own or directly through us or from our site.

We ONLY offer alternatives that are suitable for you and for which we feel meet YOUR needs.
When or if we feel a product or service is not appropriate for you from either a cost or benefit point of view we will tell you so.

We’re fully compliant with privacy and security guidelines, have signed all required privacy and security agreements, have developed a privacy and security policy, and take extraordinary steps to safeguard your protected health and personal information.
In short, we’re experts in all aspects of health and life insurance and also have relationships with professionals who can help you with very specialized situations.

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877-734-3884