Toll-free
(866) 793-2764
Employee Benefit Solutions ("EBS," "we," "our," or "us") is committed to protecting the privacy, confidentiality, and security of personal information entrusted to us by individuals, Medicare beneficiaries, employers, and employees. As a benefits advisory and insurance services firm, we regularly handle sensitive personal, financial, and health-related information in order to provide education, enrollment assistance, compliance guidance, and ongoing service support.
This Privacy Policy explains how we collect, use, safeguard, and disclose information obtained through our website, enrollment systems, communication channels, and business operations. Our practices are designed to comply with applicable federal and state privacy laws, including regulations governing Medicare and healthcare-related information.
This Privacy Policy applies to information collected through our website and online forms, enrollment and quoting portals used for individual and group coverage, employer group census submissions, phone and in-person communications, and third-party platforms used to support benefits administration and compliance services.
This policy does not apply to third-party websites or systems that may be linked from our site. We encourage users to review the privacy policies of any external services they use.
We use collected information to provide insurance education, enrollment, and advisory services; facilitate Medicare, individual health, and group benefit applications; support compliance and regulatory reporting; communicate with clients and employers; respond to service requests and claims assistance; improve website functionality; and meet legal, regulatory, and contractual obligations.
We do not sell personal or health information to third parties.
EBS operates in accordance with applicable privacy and security laws, including the Health Insurance Portability and Accountability Act (HIPAA), Centers for Medicare & Medicaid Services (CMS) Medicare Communications and Marketing Guidelines, Federal Trade Commission (FTC) data protection standards, and Michigan state privacy and data security laws.
We implement administrative, technical, and physical safeguards designed to protect sensitive data from unauthorized access, use, or disclosure.
We may share information only when necessary and permitted by law, including with insurance carriers and plan administrators for enrollment and coverage administration, government agencies for Medicare or regulatory reporting, third-party service providers supporting secure data processing, and legal authorities when required by law.
All service providers with access to sensitive data are required to maintain appropriate confidentiality and security standards.
We maintain safeguards designed to protect personal and health information, including secure electronic systems, encrypted data transmission where applicable, limited access to authorized personnel, and internal policies governing data handling and confidentiality.
While we take reasonable measures to protect information, no system can be guaranteed to be completely secure. We encourage the use of secure communication methods when transmitting sensitive data.
We retain personal and health information only for as long as necessary to fulfill business, legal, regulatory, and contractual obligations, including Medicare compliance and applicable federal and state record retention requirements.
Depending on applicable law, you may have the right to request access to your personal information, request corrections to inaccurate or incomplete data, and request information about how your data is used or disclosed.
Requests may be submitted by calling us toll-free at (866) 793-2764 or through our contact page. Verification of identity may be required before fulfilling certain requests.
Our website may use basic cookies or similar technologies to improve performance and user experience. These tools do not collect sensitive personal or health information and may be disabled through your browser settings.
Our services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children.
We reserve the right to update this Privacy Policy as laws, regulations, or business practices change. Updates will be posted on our website with a revised "last updated" date.
Employee Benefit Solutions
272 Bell Avenue, Cadillac, MI 49601
Toll-free: (866) 793-2764
Or reach us through our contact page.
This Privacy Policy is provided for general informational purposes and reflects EBS's commitment to privacy and data protection. It does not constitute legal advice. Employers, individuals, and organizations should consult their own legal counsel regarding their specific regulatory and compliance obligations.