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Privacy Policy & Terms and Conditions

Website Privacy Statement

At PHP Medicare, we know privacy is important to you. Privacy is one of your rights as a consumer as well as a PHP Medicare member. Please review the following statement which explains what
data we collect, how we use the personal information you provide, and how we ensure that information is kept secure. This Privacy Statement lets you know how we handle the information
collected through your use of this Website. This policy does not apply to information collected through other means, although that information may be protected by other privacy policies.

Personal information means data that is unique to an individual, such as name, address, social security number, or telephone number. We will not sell, license, transmit or disclose personal
information, outside of PHP Medicare and its affiliates, unless it is expressly authorized by you; necessary to enable our contractors or agents to perform certain functions for us; or required or
permitted by law.


When you access PHP Medicare’s Website, we do not require you to register or otherwise provide any personal information, such as your name, social security number, or e-mail address. We may,
however, monitor and record your usage of our website during your visit. We collect this information and use it to help make the website more consumer-friendly and effcient.

PHP Medicare uses “cookie” technology to gather non-personal information. A “cookie” is a piece of data that a website can send to your browser while you are using the website. A cookie is not a
computer program – it cannot read data from your computer, perform any action on your data, or embed commands in your computer. Cookies can keep track of which pages are used, the
frequency they are used, and to enable certain features on this website. You may disable these cookies at any time by adjusting your browser preferences on your computer.

Personal Information

If you provide us with personal information on this Website, we may use your personal information for a number of purposes, such as verifying your identity, responding to a request from you,
processing an application as requested by you, conducting our business and complying with applicable laws.


PHP Medicare maintains physical, electronic, and procedural safeguards that comply with federal standards. Additionally, PHP Medicare takes reasonable precautions to protect personal
information from unauthorized use or alteration. All data, correspondence, and responses that the user of the Website provides will be handled confidentially, both online and offline. To protect
from unauthorized access, a secure infrastructure utilizing a defense-in-depth strategy is used to safeguard the data that you provide. Please note, users should be aware that there is always a risk in sending information over the Internet and data transmitted by e-mail is vulnerable to security breaches.

Notice of Privacy Practices for Protected Health Information

If you are using this Website to enroll in PHP Medicare or to access information and services related to your membership with PHP Medicare, the Notice of Privacy Practices will give you specific
information and details about how we can use and disclose your protected health information and financial information when administering your benefits. The Notice of Privacy Practices will also
explain all the rights you have concerning the privacy of your health information and how you can exercise those rights. The Notice of Privacy Practices is available by clicking the link below. Please see the link to the Notice Of Privacy Practices below.

Notice of Privacy Practices

Terms of Use

By accessing and using this website, you acknowledge that you have read, understand, and agree to be bound by these terms and conditions of use, and that you will comply with all applicable laws
and regulations. Use of this Website is at your own risk and discretion. As used herein, “Company”, “we” or “our” refers to PHP Medicare and its affiliate entities.

Company reserves the right at its discretion to modify the Terms and Conditions and Website Privacy Policy from time to time. Your continued use of the website after any such modifications shall
constitute your agreement to be bound by any such changes. Company may modify, suspend, or discontinue all or any portion of its website without notice or liability.

Informational Purposes Only

Company provides the information contained within this website for informational purposes only. No warranty is made that the information provided is error-free. The information contained within the web pages may be, at any time, outdated and may include inaccuracies and/or errors.

Visitors should not construe this information as an offer for medical services or as advice on medical treatments. The information presented is general in nature and is not a substitute for
professional health care. Consult a physician or other qualified health care professional before making health related decisions.

The information presented by this website describes the products and services offered by Company. Some specific information may be provided but, overall, the information presented may not
contain all the applicable terms, conditions, limitations, or exclusions necessary to fully describe the products and services.

Claims, Benefits and Medical Management

The information provided with our website does not represent a guarantee of coverage or specific payment. All health plan benefits are subject to the terms, conditions and limitations of the
specific policy issued, including, but not limited to, eligibility, pre-certification, exclusions and limitations, and medically necessity requirements. For further information on a policy and its
limitations, please contact our Customer Service Department.

Links to Other Sites

This website may provide links or references to other sites. These links are provided for your convenience and Company is not responsible for the content of these other sites, does not make any
representations or gives any warranties with respect to any information contained in or at these other sites, and shall not be liable for any damages or injury arising from the content of these other
sites. Company reserves the right to terminate any link at any time.

When leaving Company’s website to visit another website, we recommend that you review that third party’s terms and conditions and privacy policy.

Notification of Changes

Company reserves the right to change the content within the Website and within the Website Privacy Statement and Terms of Use at any time, without notice.

No Warranty

The materials, information, and services provided on this website are provided “as-is” without any warranty of any kind, either expressed or implied, including, but not limited to, an implied
warranty of merchantability, fitness for a particular purpose, or infringement. There is no warranty that use of this website will be error-free or that it will not interfere with your use and enjoyment of other information or services.

Intellectual Property

The Website and its entire contents (including but not limited to all information, software, text, images, video, and audio) and other intellectual property (including trademarks, service marks and
copyrights) on this Website are owned by Company, its licensors, or other providers of such material and are protected by intellectual property laws. You may not use Company logos, trademarks,
service marks or copyrights without the prior written permission of Company. You may use the Website and its contents solely for your personal, non-commercial use and no ownership interest is
transferred to you by virtue of making the Website or any intellectual property on the Website available.

Contact Information

If you have any questions concerning the Privacy Statement or Terms of Use, please direct them to:

HIPAA Privacy Offcer
1400 E. Michigan Avenue
Lansing, MI 48912
Phone: 517.364.8384
Fax: 517.364.8406

Important Disclaimers

*8 a.m. to 8 p.m., seven days a week. You may reach a messaging service on weekends from April 1 through Sept. 30 and holidays. Please leave a message, and your call will be returned the next business day.

PHP Medicare is an HMO-POS plan with a Medicare contract. Enrollment in a PHP Medicare plan depends on contract renewal. All PHP Medicare plans include Part D drug coverage.

To enroll in a PHP Medicare plan, you must have both Medicare Parts A and B and reside in the plan service area. You must continue to pay your Medicare Part B premium. Enrollment in a PHP Medicare plan may be limited to specific times of the year.

Out-of-network/non-contracted providers are under no obligation to treat PHP Medicare members, except in emergency situations. Please call our Customer Service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

Every year, Medicare evaluates plans based on a 5-star rating system.

PHP Medicare complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability or sex.

ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al 844.529.3757 (TTY: 711).

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