Care Designed
Around You

Last Updated: Current Version

Health Assure Now ("Health Assure Now," "we," "us," or "our") is committed to protecting the privacy and security of your personal and health information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use our website, mobile application, and healthcare services across the United States.

1. Information We Collect

1.1 Personal Identification Information: We collect your full name, date of birth, Social Security Number (when required for insurance purposes), mailing address, email address, and phone number when you register for an account, book appointments, or communicate with us.

1.2 Health Information: As a healthcare provider, we collect Protected Health Information (PHI) including your medical history, current medications, allergies, lab results, diagnostic reports, treatment plans, prescription records, and physician notes as part of your care.

1.3 Insurance Information: We collect your insurance provider name, policy number, group number, subscriber information, and insurance ID cards to facilitate claims processing and coverage verification.

1.4 Payment Information: We collect credit/debit card numbers, bank account details (for ACH payments), billing addresses, and payment history when you pay for services or set up payment plans.

1.5 Technical Data: We automatically collect your IP address, browser type and version, operating system, device type, screen resolution, pages visited, time spent on pages, referring URLs, and click patterns through cookies and similar technologies.

1.6 Communication Data: We record all communications between you and our care team, including phone call recordings (with consent), chat transcripts, email correspondence, and telehealth video session logs.

2. How We Use Your Information

2.1 Healthcare Delivery: We use your health information to provide, coordinate, and manage your medical care, including diagnosis, treatment planning, prescription management, specialist referrals, and follow-up care.

2.2 Appointment Management: We use your contact information to schedule, confirm, remind, and reschedule appointments via SMS, email, or phone notifications.

2.3 Insurance Processing: We submit your health and insurance information to your insurance carrier for prior authorization, claims submission, and payment reconciliation.

2.4 Payment Processing: We use your payment information to process fees, copayments, deductibles, and outstanding balances through our PCI-DSS compliant payment processor.

2.5 Communication: We use your email address and phone number to send transactional messages (appointment confirmations, lab results, prescriptions) and promotional messages (health tips, service offers, newsletters) as per your subscription preferences.

2.6 Website Optimization: We use technical data to analyze usage patterns, fix bugs, improve website performance, personalize content, and enhance your overall user experience.

3. How We Share Your Information

3.1 Healthcare Providers: We share your PHI with physicians, specialists, nurses, and other care team members involved in your treatment within our network.

3.2 Insurance Companies: We disclose necessary health information to your insurance company for claims adjudication, utilization review, and coverage determination as required by your policy.

3.3 Business Associates: We share data with HIPAA-compliant business associates including our payment processor, cloud hosting provider (AWS), EHR system, lab partners, and pharmacy networks under strict Business Associate Agreements.

3.4 Legal Requirements: We may disclose your information when required by federal or state law, court order, subpoena, or regulatory investigation.

3.5 Public Health: We may report certain health information to public health authorities for disease reporting, immunization registries, and adverse event tracking as mandated by law.

3.6 No Sale of Data: We do not sell, rent, or trade your personal information or PHI to any third party for marketing or commercial purposes under any circumstances.

4. Data Security Measures

4.1 Encryption: All data in transit is encrypted using TLS 1.3, and all data at rest is encrypted using AES-256 encryption, meeting or exceeding HIPAA Security Rule requirements.

4.2 Access Controls: We implement role-based access controls (RBAC) ensuring only authorized personnel can access PHI based on their job function and need-to-know basis.

4.3 Authentication: We require multi-factor authentication (MFA) for all staff accessing patient records and offer MFA for patient portal access.

4.4 Network Security: Our infrastructure includes enterprise-grade firewalls, intrusion detection and prevention systems (IDS/IPS), DDoS protection, and regular vulnerability scanning.

4.5 Physical Security: Our data centers are SOC 2 Type II certified with 24/7 security personnel, biometric access controls, and environmental monitoring.

4.6 Incident Response: We maintain a comprehensive incident response plan and will notify affected individuals within 60 days of a breach as required by the HIPAA Breach Notification Rule.

5. Your Rights

5.1 Right to Access: You have the right to request and receive a copy of your PHI and personal information we maintain about you.

5.2 Right to Amendment: You may request corrections or amendments to your health records if you believe they contain errors or are incomplete.

5.3 Right to Restriction: You may request restrictions on certain uses or disclosures of your PHI, subject to our legal and treatment obligations.

5.4 Right to Confidential Communications: You may request that we communicate with you through alternative means or at alternative locations (e.g., calling a different phone number).

5.5 Right to an Accounting: You may request a list of certain disclosures we have made of your PHI for purposes other than treatment, payment, or healthcare operations.

5.6 Right to a Paper Copy: You have the right to obtain a paper copy of this Privacy Policy and your electronic health records upon request.

5.7 Right to Breach Notification: You have the right to receive written notification if there is a breach of your unsecured PHI.

5.8 Right to Complain: You may file a complaint with us or with the U.S. Department of Health and Human Services (HHS) Office for Civil Rights if you believe your privacy rights have been violated. Filing a complaint will not affect your care.

6. Cookies and Tracking

6.1 Essential Cookies: We use strictly necessary cookies for session management, authentication, and security features. These cannot be disabled.

6.2 Analytics Cookies: We use Google Analytics (anonymized) to understand website usage patterns. You may opt out through browser settings.

6.3 Marketing Cookies: We may use remarketing pixels from approved platforms. These are only activated with your explicit consent.

7. Children's Privacy

We do not knowingly collect personal information from children under 13 without verifiable parental consent. For patients under 18, a parent or legal guardian must consent to data collection and treatment.

8. International Transfers

While our primary operations are within the United States, some of our service providers may process data internationally. All such transfers are covered by Standard Contractual Clauses or equivalent safeguards ensuring HIPAA-level protection.

9. Data Retention

We retain your health records for the minimum period required by applicable state and federal laws (typically 7–10 years for adult patients, longer for minors). Technical data is retained for 26 months. You may request earlier deletion subject to legal holds.

10. Changes to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via email notification and/or a prominent notice on our website. Your continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us

For privacy-related questions, requests, or complaints, contact our Privacy Officer:
Email: privacy@healthassurenow.info
Phone: +1 412-905-8150
Address: 3009 Limer Street Warrenton, GA 30828

Last Updated: Current Version

Welcome to Health Assure Now. These Terms and Conditions ("Terms") govern your use of our website (healthassurenow.info), mobile application, and all healthcare, wellness, and insurance services provided by Health Assure Now and its affiliates. By accessing or using our services, you agree to be bound by these Terms.

1. Service Usage

1.1 Eligibility: You must be at least 18 years of age (or accompanied by a legal guardian for minors) to use our services. You must be a resident of the United States or its territories.

1.2 Account Registration: You must provide accurate, current, and complete information during registration. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account.

1.3 Permitted Use: Our services are intended for legitimate healthcare and wellness purposes. You agree not to use the platform for any unlawful purpose, including but not limited to fraud, harassment, solicitation, or obtaining prescriptions through deception.

1.4 Telehealth Acknowledgment: Telehealth services are not a substitute for in-person emergency care. If you are experiencing a medical emergency, call 911 immediately. Telehealth consultations may not be appropriate for all conditions, and our providers reserve the right to recommend in-person evaluation.

1.5 Scope of Services: Health Assure Now provides healthcare coordination, access to licensed providers, wellness programs, and insurance brokerage services. We do not guarantee specific health outcomes. Individual results vary based on numerous factors.

2. Payments and Billing

2.1 Service Fees: All fees for services are listed on our website and confirmed at the time of booking. Fees are subject to change with 30 days' notice. Existing appointments will be honored at the originally quoted rate.

2.2 Insurance Copayments: If you are using insurance, your copayment, coinsurance, and deductible amounts are determined by your insurance plan, not by Health Assure Now. We collect these amounts at the time of service.

2.3 Self-Pay: For uninsured patients, full payment is due at the time of service unless a payment plan has been pre-approved in writing. Payment plans require a minimum balance of $500 and are subject to credit assessment.

2.4 Payment Methods: We accept Visa, Mastercard, American Express, Discover, HSA/FSA cards, ACH bank transfers, and Apple Pay/Google Pay. All payments are processed through our PCI-DSS Level 1 compliant payment gateway.

2.5 Outstanding Balances: Balances not paid within 30 days of the due date may be subject to a late fee of 1.5% per month (18% annually). We may refer delinquent accounts to a collection agency, which may affect your credit score.

2.6 Refunds: Refund requests must be submitted within 14 days of the service date. Refunds for services already rendered are evaluated on a case-by-case basis. Processing takes 7–10 business days.

3. Insurance Services

3.1 Brokerage Disclosure: Health Assure Now acts as a licensed insurance broker/agent for health and life insurance products. We are not the insurer. Insurance products are offered through affiliated carriers, and coverage is subject to the terms of the individual insurance policy.

3.2 Plan Recommendations: Our insurance recommendations are based on the information you provide and are meant to assist your decision-making. We strongly recommend reviewing all plan documents carefully before enrollment.

3.3 Enrollment: Insurance enrollment through Health Assure Now is subject to carrier approval, open enrollment periods, and qualifying life events. We do not guarantee enrollment approval by any insurance carrier.

3.4 Commission Disclosure: Health Assure Now receives compensation from insurance carriers for policies sold through our platform. This compensation does not affect the premium you pay and is standard industry practice.

4. Liability Limitations

4.1 Medical Disclaimer: The information provided on our platform is for general informational purposes and does not constitute medical advice. Always consult with a qualified healthcare provider for medical decisions.

4.2 Limitation of Liability: To the maximum extent permitted by law, Health Assure Now's total liability for any claim arising from or related to our services shall not exceed the total amount you paid to Health Assure Now in the 12 months preceding the claim.

4.3 Indemnification: You agree to indemnify and hold harmless Health Assure Now, its officers, directors, employees, and affiliates from any claims, damages, losses, or expenses arising from your violation of these Terms or your use of our services.

4.4 Provider Independence: Healthcare providers on our platform are independent practitioners. Health Assure Now is not liable for the medical advice, diagnosis, or treatment provided by these independent providers.

4.5 Technology Limitations: We are not liable for service interruptions, internet connectivity issues, device compatibility problems, or data loss caused by factors beyond our reasonable control.

5. Cancellation Policy

5.1 Patient Cancellations: Appointments may be cancelled or rescheduled free of charge up to 24 hours before the scheduled time. Cancellations within 24 hours incur a $25 fee. No-shows are charged the full consultation fee.

5.2 Provider Cancellations: If a provider cancels an appointment, we will notify you immediately and offer a rescheduled appointment at your convenience or a full refund.

5.3 Insurance Plan Cancellations: Insurance policy cancellations are governed by the terms of the specific insurance policy and applicable state laws. Contact our insurance team for assistance with policy cancellations during the appropriate window.

5.4 Subscription Cancellations: Wellness program subscriptions may be cancelled at any time. You will retain access until the end of your current billing period. No prorated refunds are provided for partial months.

5.5 Emergency Exceptions: Cancellation fees are waived for documented medical emergencies, severe weather events, and other circumstances beyond your control. Documentation may be required.

6. Intellectual Property

6.1 Ownership: All content, branding, logos, design elements, software, and proprietary technology on the Health Assure Now platform are owned by Health Assure Now and protected by US and international intellectual property laws.

6.2 Restricted Use: You may not reproduce, distribute, modify, create derivative works from, or commercially exploit any content from our platform without prior written consent.

7. Dispute Resolution

7.1 Informal Resolution: You agree to first attempt to resolve any dispute with us by contacting our support team. Most issues can be resolved within 30 days.

7.2 Arbitration: Any dispute not resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, conducted in USA.

7.3 Class Action Waiver: You agree to resolve disputes individually and waive any right to bring or participate in class actions, collective actions, or representative proceedings.

8. General Provisions

8.1 Governing Law: These Terms are governed by the laws of the State of USA, without regard to conflict of law principles.

8.2 Severability: If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.

8.3 Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Health Assure Now regarding the use of our services.

8.4 Contact: For questions about these Terms, contact us at legal@healthassurenow.info or +1 412-905-8150.