Our Focus
Your Health.

Effective Date: January 1, 2026  |  Last Updated: January 1, 2026

1. Introduction

Health Plan Guard ("we," "our," or "us") is committed to protecting your personal health information and privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our healthcare services. This policy is governed by applicable health data privacy laws including the Health Insurance Portability and Accountability Act (HIPAA) and applicable state privacy statutes.

2. Information We Collect

We may collect the following categories of personal and health-related information:

• Full name, date of birth, gender, and contact information
• Health insurance details and policy numbers
• Medical history, diagnoses, prescriptions, and treatment records (Protected Health Information — PHI)
• Payment and billing information processed through encrypted channels
• Website usage data including IP addresses, browser type, and navigation patterns
• Communications submitted through forms, email, or phone

3. How We Use Your Information

We use your information solely for the following purposes:

• Providing, coordinating, and managing your healthcare services
• Processing appointments, referrals, and medical billing
• Communicating treatment updates, health reminders, and appointment notifications
• Complying with legal and regulatory obligations under federal and state health law
• Improving the quality and safety of our services through internal analysis
• Sending newsletters or health content only with your explicit consent

4. HIPAA Compliance and Protected Health Information

We are a covered entity under HIPAA. Your Protected Health Information (PHI) is handled with the highest level of confidentiality. We maintain administrative, physical, and technical safeguards to prevent unauthorized access, use, or disclosure of PHI. You have the right to access, amend, and restrict the use of your PHI as provided by law.

5. Disclosure of Information

We do not sell your personal or health information. We may disclose information to:

• Healthcare providers directly involved in your treatment
• Health insurers for billing and reimbursement purposes
• Public health authorities as required by law
• Legal authorities when compelled by valid court order or subpoena

6. Data Retention

Medical records are retained in accordance with applicable state regulations and HIPAA guidelines, generally for a minimum of seven (7) years from the date of last service, or longer where required by law.

7. Your Rights

You have the right to: access your health records; request corrections to inaccurate data; receive an accounting of disclosures; request restrictions on use of your PHI; file a complaint with our Privacy Officer or the U.S. Department of Health and Human Services if you believe your rights have been violated.

8. Cookies and Website Data

Our website uses cookies and similar tracking technologies to improve user experience. You may disable cookies through your browser settings, though this may affect site functionality. We do not use marketing cookies without your prior consent.

9. Contact Our Privacy Officer

For privacy-related inquiries, requests, or complaints, please contact us at info@healthplanguard.info.

Effective Date: January 1, 2026  |  Last Updated: January 1, 2026

1. Acceptance of Terms

By accessing or using the Health Plan Guard website and services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must discontinue use immediately. These Terms are governed by applicable federal and state healthcare laws.

2. Healthcare Services Disclaimer

The information provided on this website is for general informational purposes only and does not constitute medical advice, diagnosis, or treatment. Always seek the advice of a qualified, licensed healthcare provider with questions you may have regarding a medical condition. Health Plan Guard services are provided by licensed healthcare professionals in compliance with applicable laws.

3. Eligibility

Our services are intended for individuals who are 18 years of age or older, or minors under the supervision of a parent or legal guardian. By using our services, you represent and warrant that you meet these eligibility requirements.

4. Appointment and Cancellation Policy

Appointments must be cancelled no less than 24 hours in advance to avoid a cancellation fee. Late cancellations or no-shows may be subject to charges as stated in your service agreement. We reserve the right to reschedule or cancel appointments due to unforeseen clinical circumstances.

5. Payment and Billing

Payment is due at the time of service unless prior arrangements have been made. We accept major insurance plans and various payment methods. Patients are responsible for understanding their insurance benefits and for any balances not covered by their plan. Billing disputes must be raised within 60 days of the statement date.

6. Telehealth Services

Where telehealth services are offered, they are subject to the same standards of care as in-person visits. Telehealth is not appropriate for all conditions. The patient acknowledges the limitations of remote care and consents to its use by engaging in a telehealth session.

7. Patient Responsibilities

Patients are expected to: provide accurate and complete medical and personal information; follow the treatment plans and recommendations provided; maintain respectful conduct with all staff; notify us promptly of changes to insurance, contact, or health information.

8. Intellectual Property

All content on this website including text, images, logos, and design elements are the exclusive property of Health Plan Guard and may not be reproduced, distributed, or used without prior written authorization.

9. Limitation of Liability

To the fullest extent permitted by law, Health Plan Guard shall not be liable for indirect, incidental, or consequential damages arising from the use of our website or services. Our total liability for any claim shall not exceed the amount paid for the specific service giving rise to the claim.

10. Anti-Discrimination Policy

Health Plan Guard does not discriminate in the provision of services on the basis of race, color, national origin, age, disability, or sex, in accordance with applicable federal civil rights laws. We provide services in compliance with Section 1557 of the Affordable Care Act and other non-discrimination statutes.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to this website. Continued use of our services after any modification constitutes your acceptance of the updated terms.

12. Contact Information

For questions about these Terms and Conditions, please contact us at info@healthplanguard.info.