Privacy Policy

At Centurion, we recognize that our relationship with you is based on integrity and trust, and we are committed to protecting the privacy of your personal information. The following is our policy for disclosing personal information.

We may collect the following categories of information about you from the following sources:

Information we receive from you from applications and other forms, by phone, or by other means, such as your name, address, phone number, driver’s license number, and Social Security number;
Information about your transactions with us and our affiliates, such as policy coverage and payment history;
Information we receive from other sources such as consumer reporting agencies, other insurers, or medical professionals.

If you authorize us to do so, we may obtain information about you from investigative consumer reports prepared by third parties at our request. If you authorize us to request such information and we do request such information, you should be aware that:

You have the right to request to be interviewed in connection with the preparation of such a report;
Upon request, you are entitled to receive a copy of the report; and
The information obtained from the report prepared by the third party may be retained by the third party and disclosed to other persons.

If you have, or have applied for, a health, long term care, or Flexible Benefits Plan or policy through us, there are certain uses and disclosures of your personal health information that we are permitted or required to make by law without your permission. For all other uses and disclosures, we first must obtain your permission. In addition, you have the following rights:

The right to access, inspect and copy the protected information pertaining to you that we maintain in our files about you, and the right to have us correct or amend any information that we create in error. Requests to access or amend your health information should be sent to: Centurion Corporation, Privacy Officer, P.O. Drawer 959, Hanover, NH 03755.
The right to request that we place additional restrictions on our uses and disclosures of your personal health information, however we are not obligated to agree to impose any such additional restrictions.
The right to receive an accounting of the disclosures of your personal health information that we make for purposes other than activities related to your treatment, or our payment functions, or other health care operations.
The right to request that you receive communications of personal health information in a confidential manner.

We may collect the following categories of information about you from the following sources:

Information that we obtain from your medical records or from medical professionals.
Information we receive from other entities such as health care providers or other insurance companies, in order to service your policy or carry out other insurance-related needs.

We do not share medical information except as authorized by you or permitted by law including the following:

To carry out treatment functions.
To carry out payment functions relating to reimbursing you for the provision of health care, obtaining premiums, determining coverage, and providing benefits under the policy of insurance you are purchasing. Such functions may include reviewing health care services with respect to medical necessity, coverage under the policy, appropriateness of care, or justification of charges.
To carry out certain operations relating to your benefit plan including reviewing the competence or qualifications of health care professionals and conducting quality assessment activities.
In situations permitted or required by law, including the following:
- As authorized by and to the extent necessary to comply with workers compensation or other no-fault laws.
- To a health oversight agency for activities including audits or civil, criminal or administrative proceedings.
- To a law enforcement official for law enforcement purposes or in response to a court order or in the course of any judicial or administrative proceeding.
In limited circumstances, we may disclose your protected health information after we have given you an opportunity to object and you have not objected, for example to notify family members or any other person identified by you regarding issues directly related to such a person’s involvement with your care or payment for that care, or in emergency circumstances.
If you are enrolled in a Flexible Benefits Plan, we may make disclosures of protected information to plan sponsors pursuant to the restrictions imposed on the plan sponsors in the plan documents.
All other uses or disclosures of your protected health information will be made only with your written permission, and any permission that you give us may be revoked by you at any time.

In the course of conducting our business, we may disclose nonpublic personal financial information we collect, as described above, to agents, brokers, insurers, and representatives who service you or as required by law for legal, regulatory, or other purposes. We may also disclose information to companies that perform services on our behalf or to others with whom we have joint-marketing agreements. These disclosures are only made as permitted or required by law and we restrict the release of such information to what is necessary for the performance of the service requested. Third parties performing services or functions on our behalf are required to keep the information confidential and to use the information only for the limited purpose for which it was shared. We do not share medical information except as authorized by you or permitted by law. If you are no longer an active customer, we will continue to treat your personal information as described in this notice.

We restrict access to personal information about you to those employees who need to know that information in order to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to guard your personal information. You have the right to access and correct personal information that we collect about you. Requests to access or amend your information should be sent to: Centurion Corporation, Privacy Officer, P.O. Drawer 959, Hanover, NH 03755.

If you believe that your rights with respect to our protection of your personal health information have been violated, you may complain either directly to us or to the Secretary of Health and Human Services. You may file a complaint with us by submitting a complaint in writing that includes as many details (such as names and dates) as possible to: Privacy Officer, Centurion Corporation, P.O. Drawer 959, Hanover, NH 03755.

We are required to abide by the terms of this notice. We reserve the right to change the terms of this notice. If we revise this notice, we will provide you with a revised notice.