Washington Health Benefit Exchange
You hereby authorize Stride Health, Inc. to act as your Broker of Record in connection with this Application, and you acknowledge and agree that Stride Health, Inc. may use your personally identifiable information in order to complete the eligibility and enrollment process on the Washington Health Benefit Exchange. By submitting your application, you agree to the Washington Health Benefit Exchange Terms and Conditions, Privacy Policy and other Policies. You also acknowledge and agree to the following:
###Terms and Conditions of Use Washington Healthplanfinder provides information contained on http://www.WAHealthplanfinder.org or http://wahbexchange.org to you subject to the following terms and conditions. By using the Washington Healthplanfinder website, you acknowledge that you have read these terms and conditions of use, understand them, and agree to be bound by all of the terms and conditions.
###Intellectual Property Most of the content on our website is in the public domain and does not include copyright or other intellectual property notices. However, certain computer software developed by contractors, and licensed by the Washington Health Benefit Exchange for use solely on the Washington Healthplanfinder website, is proprietary and protected by copyright, trademark, and other intellectual property laws. Certain material on the website is not government material. You acknowledge and agree that the materials are the property of the respective service providers, suppliers or licensors, and that you will not acquire any rights or licenses in any copyright, trademark or other intellectual property contained within the Washington Healthplanfinder website.
Government information is normally in the public domain. Public domain information may be freely distributed and copied. However, you are authorized to use our contractors computer software and related database for informational purposes only and not for any direct or indirect commercial purpose. In addition, other material on the website which is not government material may not be copyrighted by private entities and may not be used for any direct or indirect commercial purpose. Any use not authorized herein is prohibited. Any copies that you make of the materials must retain all copyright and other notices. Except as expressly provided for in this Terms and Conditions of Use agreement, you may not reproduce, modify, publish, transmit, display, perform, distribute, disseminate, broadcast or circulate any materials to any third party, or participate in the transfer or sale of, create derivative works or in any way exploit the content of the Washington Healthplanfinder website or any portion thereof without express prior written consent of the Washington Health Benefit Exchange.
No proprietary data on the Washington Healthplanfinder website may be downloaded, republished, resold, duplicated or "scraped", in whole or in part, for any purpose other than the personal uses permitted in these Terms and Conditions of Use.
###Your Obligations You may use the Washington Healthplanfinder features, offerings, and content for lawful purposes only. You are solely responsible for all content you transmit through the Washington Healthplanfinder website. You agree to provide information which is (1) accurate and not misleading and (2) free of damaging content including, without limitation, viruses, worms, trojan horses, or other programs that care capable of disabling, damaging, interfering, altering, intercepting, or otherwise impacting or affecting the Washington Healthplanfinder website or any of its users. By using the Washington Healthplanfinder website, you indicate and represent that you have the power and authority to accept the Terms and Conditions of Use and to enter into this agreement with the Washington Health Benefit Exchange, that you are capable of assuming, and do assume, any liability and risk related to the use of the Washington Healthplanfinder website and its materials, and that you understand and accept the terms, conditions, and risks relating to their use. If you do not agree with the Terms and Conditions of Use or are in any way dissatisfied with the Washington Healthplanfinder website or its materials, your exclusive remedy is to discontinue using the Washington Healthplanfinder website.
###Fraudulent Use You must safeguard any password or other Washington Healthplanfinder-entry materials to prevent unauthorized persons from accessing your account information, as you acknowledge that the Washington Health Benefit Exchange cannot verify the identity of persons using the Washington Healthplanfinder website under your password. Washington Healthplanfinder is not responsible for the use of lost or stolen password information. Should you allow others access to your online account information, you will be responsible for all actions that such persons might take with respect to your account. If you suspect that your account has been fraudulently used or otherwise compromised, you should immediately contact the Washington Health Benefit Exchange.
###Limitations Your use of and browsing in the Washington Healthplanfinder website are at your risk. The Washington Health Benefit Exchange does not warrant that the service will be uninterrupted or error free. The Washington Health Benefit Exchange is not liable for any incidental, consequential, direct, indirect, or punitive damages to you or a third party arising out of your access to, or use of, the Washington Healthplanfinder website. Without limiting the foregoing, everything on the Washington Healthplanfinder website is provided to you "as is" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, or non-infringement. The Washington Health Benefit Exchange also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Washington Healthplanfinder website or your downloading of any materials, data, text, images, video, or audio.
There are certain state and federal laws that govern the operation of Washington Healthplanfinder, your rights and responsibilities as a user of the Washington Healthplanfinder website, and the coverage obtained through Washington Healthplanfinder. By using the Washington Healthplanfinder website, you agree to comply with these laws as they may apply to users of this website and coverage obtained hereunder.
###Changes to Terms and Conditions of Use Washington Healthplanfinder may from time-to-time, and at its sole discretion, modify the Terms and Conditions of Use. The modified Terms and Conditions of Use will be effective immediately upon posting. You agree to the new posted Terms and Conditions of Use by continuing your use of the Washington Healthplanfinder website. You agree to review the Terms and Conditions of Use periodically and your continued use of the Washington Healthplanfinder website following such modification will indicate your acceptance of these modified Terms and Conditions of Use. If you do not agree with the modified Terms and Conditions of Use, your only remedy is to discontinue using the Washington Healthplanfinder website.
###For the purpose of Identity Proofing To protect your privacy, you will need to complete Identity Verification successfully, before requesting access to the selected role. Below are a few items to keep in mind. Ensure that you have entered your legal name, current home address, primary phone number, date of birth and email address correctly. We will only collect personal information to verify your identity with Experian, an external identity verification provider.
Identity Verification involves Experian using information from your consumer report profile to help confirm your identity. As a result, you may see an entry called a "soft inquiry" on your Experian consumer report. Soft inquiries are only visible to you, will never be presented to third parties, and do not affect your credit score. The soft inquiry will be titled "CMS Proofing Services" and will be removed from your Experian consumer report after 25 months. You may need to have access to your personal and consumer report information, as the Experian application will pose questions to you, based on data in their files. For additional information, please see the Experian Consumer Assistance website http://www.experian.com/help/.
##Privacy Policy The Washington Health Benefit Exchange is committed to protecting your privacy. We collect personal information through Washington Healthplanfinder to help you find, apply, and determine eligibility for health insurance, including both public and private health insurance products. We do not sell, trade, or give away your personal information to any unauthorized parties. "Personal information" refers to identifying information of an individual, such as name, phone number, address, date of birth, email address, Social Security Number, etc. We use industry-leading technologies to ensure that your personal information is protected. This Washington Healthplanfinder Privacy Policy describes the information privacy practices for the website (with the URL of either http://www.WAHealthplanfinder.org or http://wahbexchange.org) that you are currently visiting.
The personal information that we collect is used only for authorized purposes.
Your personal information is not disclosed to unauthorized third parties, and may be disclosed in the following authorized situations. To the insurance company whose plan you purchase, to licensed agents/brokers and Navigators that help you shop for a health plan, to state and federal government (as required by law and specified below), or to administrators for Washington Healthplanfinder business purposes. To Authorized Service Providers. We may disclose your personal information to our authorized service providers (e.g., Washington Healthplanfinder Customer Support Center representatives) to help us process or service your insurance application, correspond with you, or process appeals. Such authorized service providers are contractually obligated to maintain confidentiality of personal information received through Washington Healthplanfinder. Legal Obligations. We may disclose your personal information when the disclosure is permitted or required by law. Outside of these exceptions, we will not share your personal information with any third parties.
We collect personal information in the normal course of business in order to process your insurance application and to serve you better. Registering With Us. We collect personal information when you register with us for the first time. We require your email address to create an account so that we can communicate via email. You may also register with us through a Washington Healthplanfinder Customer Support Center representative by providing certain personal or contact information (e.g., email address, phone number, date of birth, etc.). The Customer Support Center is a trusted partner of the Exchange and Customer Support Center representatives are authorized to handle your personal information. Applying for Health Insurance and Other Products. When you apply for health insurance through our website, we may ask you to provide us with your or your family's personal information to be included with your application. This information will be used by your chosen insurance company to process your application.Processing your application and providing you with a quote. We may use your personal information to contact you when it is necessary to process your application or to provide you with a quote. Customer satisfaction, referrals, and other products. We may contact you to conduct a satisfaction survey to improve the quality of our services or to inform you of renewals. You may opt out of receiving certain types of communications by following the opt-out procedures listed below. Please note that you will still receive communications from us regarding your insurance quote, application renewal, or policy changes even if you opt out of receiving our surveys or notices of additional products and services.The federal government may contact you to conduct a satisfaction survey regarding your experience with Washington Healthplanfinder even if you elect to opt out of receiving certain communications from us.
We gather anonymous information that may be shared with third parties. Anonymous information is any information that does not personally identify you, including aggregate demographic information such as the number of visitors to our website from a particular region of Washington. We may use anonymous information to improve the services we offer. We may use "Cookies," "Clear Gifs," and other monitoring technologies to gather anonymous information. For a more detailed discussion on cookies and clear gifs, please see below.
We protect the confidentiality and security of your personal information.We maintain physical, electronic, and procedural safeguards to protect your personal information. For additional details of the electronic safeguards within Washington Healthplanfinder, please see below.
We continue to evaluate our efforts to protect your personal information. When your personally identifiable information changes, you should update your contact information with Washington Healthplanfinder. You may update and correct your information online directly through Washington Healthplanfinder, and may also contact us by email at customersupport@wahbexchange.org.We will retain your information as necessary to comply with federal requirements. Any information you provide in an application that is not submitted will be deleted after 90 days. Per federal regulations, the Washington Health Benefit Exchange is required to preserve all data recorded in Healthplanfinder accounts and/or in a submitted application for a period of no less than 10 years.
We will provide notice of changes in our information privacy practices. A notice will be posted on Washington Healthplanfinder and all printed materials will be updated to include the new privacy practice information.
You will be notified via email if your personal information is to be used in a different manner than stated at the time of collection, and you will have a choice to opt out.
We are available to answer any questions you may have about our privacy policy or our information privacy practices. Please email us at customersupport@wahbexchange.org.
##"Cookies" and "Clear Gifs" "Cookies" are small files that are stored by your web browser to help a particular system recognize the pages you have recently visited through Washington Healthplanfinder. Our website uses cookies to make your online experience more convenient. For example, we may use cookies to store your account information between sessions or to maintain information about the quotes you've requested during your session. Additionally, we may use data from cookies for a variety of internal purposes, such as studying how users navigate Washington Healthplanfinder. We do not collect any personal information from cookies. Further, no other information we collect from cookies can be linked back to your personal information. Most browsers automatically accept cookies, but if you prefer, you can set yours to refuse cookies. Even without cookies being enabled, you can still use most of the features on Washington Healthplanfinder, including obtaining quotes and applying for an insurance policy.
"Clear gifs" are tiny graphics with a unique identifier, similar in function to cookies that are used to track the online movements of website users. The main difference between the two is that clear gifs are invisible on the page and are much smaller than cookies. We do not collect any personal information from clear gifs, and no information we collect from clear gifs can be linked back to your personal information.
We use third party web analytics services to track and analyze anonymous usage and volume statistical information from visitors to help us administer Washington Healthplanfinder, analyze trends, improve the performance of Washington Healthplanfinder, and report website traffic. These web analytics services use cookies, clear gifs, log files and other web monitoring technologies to help track visitor behavior on our behalf. These services do not use these technologies to collect any personally identifiable information from website visitors.
###Your Password and Other Security Issues The password you enter when you begin an application on our website is your private entry key into your application and should not be shared with anyone.
Your password must contain: 8-20 characters with at least one letter, one number and one special character. Please use:
At least 1 UPPERCASE letter A - Z
At least 1 lowercase letter a - z
At least 1 of these special characters ! $ # ^
If you forget your password, we can send your password through email (provided that you gave us your email address and your Username when you created an account on Washington Healthplanfinder) or we can help you retrieve your password by calling us toll free at 1-855-WAFINDER (1-855-923-4633). Washington Healthplanfinder account passwords expire after 90 days. Before the expiration of a password, you will receive a notification 14 days before expiration and 7 days before expiration. After expiration, youll be prompted by Washington Healthplanfinder to set up a new password.
###Experian Identity Verification To protect your privacy, you will need to complete Identity Verification successfully, before completing an application for eligibility. You are providing consent to Experian to access your personal information to conduct ID Verification on behalf of CMS. Below are a few items to keep in mind.
Ensure that you have entered your legal name, current home address, primary phone number, date of birth and email address correctly. We will only collect personal information to verify your identity with Experian, an external identity verification provider.
Identity Verification involves Experian using information from your consumer report profile to help confirm your identity. As a result, you may see an entry called a “soft inquiry” on your Experian consumer report. Soft inquiries are only visible to you, will never be presented to third parties, and do not affect your credit score. The soft inquiry will be titled “CMS Proofing Services” and will be removed from your Experian consumer report after 25 months.
You may need to have access to your personal and consumer report information, as the Experian application will pose questions to you, based on data in their files.
###Links to Other Websites Please note that Washington Healthplanfinder has a lock icon displayed in your internet browser that communicates to you that our site is secure. Washington Healthplanfinder may contain links to other websites. Please note that when you click on one of these links you are transferring to another website. Washington Healthplanfinder is not responsible for the information privacy practices or the content of such websites. We encourage you to read the privacy policies of these linked websites as their information privacy practices may differ from ours.
###Email Subscriptions If you choose to receive alerts or newsletters by email, we collect your email address to complete the subscription process or as your personal identifier.
In order to manage Washington Healthplanfinder email subscription lists, we retain the names and email address of our email subscribers, as well as other information they may have shared with us (e.g., addresses and phone numbers).
We also retain logs of emails we send and automatically generated email data used to improve our email communications. This automatically generated email data includes:
Whether the email was opened
If a link in the message was clicked
Whether an email was delivered
If, at any time, you wish to stop receiving emails from us, simply click on the “Unsubscribe” link provided at the bottom of each email message.
###Application Agreement I agree to submit this application electronically. By signing this application electronically, I certify under penalty of perjury that my answers are correct and complete to the best of my knowledge.
I also certify that:
I understand the questions and statements within this application.
I understand the penalties for giving false information or breaking the law.
I understand that the Washington Healthplanfinder may contact other persons or organizations on my behalf.
I understand that an electronic signature has the same legal effect and can be enforced in the same way as a written signature.
By checking this box and signing my name below, I am electronically signing my application
I authorize the Washington Healthplanfinder to electronically verify my tax return information during the annual renewal process for up to 5 years. Iunderstand that I am able to change my consent at anytime. By checking this box, I permit tax credits to be applied to my annual renewal without my taking further action.
I have read the Rights and Responsibilities.