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Privacy and Conditions
To read MEBS privacy notice for members, please select this link to download the .PDF File THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY. About the MEBS Website The information contained in this Web site supplied by MEBS, users and third parties ("Content") is for general guidance on topics selected by MEBS, Inc. Such information is provided on a blind-basis, without any knowledge as to your industry, identity or specific circumstance. The information on this Web site is provided with the understanding that such information provided by MEBS and various authors and publishers does not constitute the rendering of medical, legal, accounting, tax, career or other professional advice or services.
All Content, including information supplied by MEBS may contain inaccuracies, misrepresentations or typographical errors. Accordingly, you agree that MEBS shall have no liability for any Content, including, but not limited to, any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of or reliance on any Content posted, emailed or otherwise transmitted or accessed via the Service.
MEBS shall have no obligation to review Content posted by Users or other third parties to the Service by users or by MEBS. MEBS shall have the right, but not the obligation, in its sole discretion, to correct any errors or omissions in any Content on the Service or to disclose any information as necessary to satisfy any law, regulation or government request, or to edit, modify, refuse to post or remove any Content, in whole or in part, that in MEBS's sole discretion is objectionable, inaccurate or in violation of this Agreement. MEBS may alter, suspend, or discontinue this Web site at any time for any reason, without notice or cost. The Web site may become unavailable due to maintenance or malfunction of computer equipment or other reasons.
You agree that you will not, except where explicitly authorized herein and on the Web site, reproduce or transmit any Content in any form, by any means, electronic or mechanical, including photocopying and recording, except that MEBS authorizes you to view, copy, download, and print MEBS documents (such as forms, news, data, and FAQs). Notwithstanding the foregoing, User may copy Content on the site subject to the following conditions:
The copy of the Content may be used solely for noncommercial, informational purposes.
Copyright, trademark, and other proprietary notices in the Content are not to be removed.
Nothing contained on this Web site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use this Web site or any documents displayed on this Web site, through the use of framing or otherwise, except: (a) as expressly permitted by these terms and conditions; or (b) with the prior written permission of Curl or such third party that may own the trademark or copyright of material displayed on this Web site.
The State of Michigan Content Release Policy MICHIGAN.GOV LINKS TO OTHER SITES
Michigan provides links to other organizations through this website. These links are provided for additional information as a service to our customers. In providing these links, Michigan does not endorse the content, products, services or viewpoints expressed by these external sites. Once you leave Michigan's website and link to an external site, the Michigan Internet policies no longer apply and you will be subject to the new site's policies.
Michigan provides links to the following types of organizations:
Links to Other Governmental Units & Educational Institutions - Michigan provides links to other federal, state, and local governmental units that provide additional services and information that users of Michigan's site may find of interest. Links are also provided to educational institutions including K-12 school districts, intermediate school districts (ISDs), community colleges, and universities.
Links to Private Organizations - Michigan provides links to private organizations if these organizations offer services that complement the information or services offered by Michigan. The determination of whether to establish links to a private organization's website is made on a case-by-case basis.
Links to Non-Profit Organizations - Michigan provides links to non-profit organizations that users of Michigan's site may find of interest. The determination of whether to establish links to non-profit organizations is made on a case-by-case basis.
LINKING TO MICHIGAN.GOV
Linking to the Michigan.gov portal is permitted under limited conditions. If you link to this site, you may not portray any person or subject in a false or misleading light. You must also refrain from creating frames, or using other visual altering tools, around the Michigan.gov pages. Lastly, you may not imply that the state of Michigan is endorsing your product or services.
Your Privacy with MEBS
The private records of your employees and those of their covered family members are safe with MEBS, Inc. MEBS has always maintained a policy of confidentiality regarding personal data. That personal data is necessary for us to administer insurance programs and to provide customer service. MEBS does not sell, lease, or give personal information regarding our customers to any other organization or business.
Confidentiality and Security: MEBS has stringent policies and procedures to protect the confidentiality of personal information. MEBS also maintains physical, electronic, and procedural safeguards to protect personal data from unauthorized access and unanticipated threats or hazards.
Information That May Be Collected: Personal information is provided in applications, claims, and other forms. In addition, MEBS may receive information from health care providers through the course of managing insurance transactions. MEBS also has personal information from transactions with our affiliates, and certain third parties with whom we have service or joint marketing agreements. These third parties may include our reinsurers, insurance administrators, consultants, agents, and insurance companies with whom we do business.
Generally, we receive information by telephone, in writing or through an electronic data interface (EDI). This generally includes personal information about your policies, premiums and claims of your employees, beneficiaries and other covered insureds. If we need more information from medical professionals or consumer reporting agencies, it will be requested only with proper authorization.
Independent Insurance Agents: Those independent insurance agents who are authorized to sell our products are not our employees. Since this agent is subject to the same privacy laws that govern us, this agent may have privacy obligations to you, which are independent of ours.
Information We May Disclose: MEBS regards all personal information as confidential. We will not disclose personal information unless we are allowed or required by law to make disclosure or if you tell us we can. We only make those disclosures as necessary to administer your insurance and pay claims and as necessary to effect transactions in the ordinary course of our business. Any disclosures are only made to our affiliates, agents, joint marketing partners, and certain third parties, such as insurance administrators, reinsurers, consultants, and regulatory or governmental authorities.
In some situations, MEBS works with our affiliates and other outside firms to help with services and marketing. As permitted by law, these firms may use certain identifying and non-medical information. Our affiliates are subject to the same policies regarding privacy of your information as we are. Our policy is to require outside firms to pledge to maintain the confidentiality of the personal information and abide by all applicable privacy laws. These firms are prohibited from using or disclosing personal information given to us for any purpose other than the work they are performing or as required by law.
Even if your relationship with MEBS ends, we pledge to maintain our privacy policy and practices so that privacy of personal information will always be protected.
YOUR PRIVACY WITH MEBS (GRAMM-LEACH-BLILEY ACT) |
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