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Privacy Policy

Privacy Policy

At QuoteLab, privacy is a top priority, and we are committed to protecting the personal information of our customers. This Privacy Policy provides details on how we treat any personal information you may submit to us.

This Privacy Policy applies to this website, QuoteLab.com (the “Site”), which is made available by QuoteLab, LLC. ("we" or “us”). Please note that this Privacy Policy applies only to information collected through the Site and not to websites maintained by other companies or organizations to which we link.

Information We Collect and Use

We will collect and use personal information about you to respond to your request for products and services offered through the Site. Specifically, we collect information provided by you in connection with obtaining quotes for insurance products and services. For example, you will be asked to provide your full name, address, telephone number, email, and other information in order to be matched to insurance carriers and agents who may provide you a quote for their insurance services.

We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other online or offline sources and may add that information to your existing account.

Information Sharing and Disclosure

We share personal information about you under the following circumstances: Insurance Quote Requests. If you submit a request on the Site for quotes for insurance products or services, we will share the personal information contained in your request form (such as your full name, address, telephone number, email, information about your cars, etc.) with third parties, which include insurance agents, insurance carriers, lead aggregators, and other insurance service providers (“Service Providers”) in our network to process and fulfill your request for insurance quotes. In some circumstances, we may obtain additional information about you and/or share that information with Service Providers in our network.

All Service Providers in our network have entered into agreements with us, which require them to secure any personal information provided through the Site and limit how they can use such information. These Service Providers are also required to comply with federal and state privacy regulations. By submitting your request to us, you understand that Service Providers may contact you by telephone (including through automated calling or on a recorded line), email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of QuoteLab or one of these Service Providers. If one of the Service Providers contacts you and you wish not to be contacted again by that Service Provider with respect to your inquiry, then you should specifically make a request to that Service Provider. Please note that the Service Providers may maintain the information you provided whether or not you elect to use their services.

Aggregate, Non-Personal, or De-identified Information. We may share aggregated information (i.e., information about you and other users collectively, but not specifically identifiable to you) and other non-personal, de-identified, or anonymous information we collect with third parties, including our affiliates, to develop and deliver targeted advertising on our Site and on the websites of third parties and our affiliates.

As Required by Law. We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances whenever we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Use, or as otherwise required by law.

Business Transfer. As with any other business, it is possible that we could in the future enter into a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale. If such a transaction occurs, the successor company would have access to the information maintained by us, including your personal information, but would continue to be bound by this Privacy Policy unless you consent otherwise as provided herein.

Information Collection Technologies

To better serve our users and Service Providers and increase the response time of the Site, we use various technologies to collect information about our users, such as:

Cookies. Cookies are small bits of code, usually stored on a user's computer hard drive, which enable a Website to "personalize" itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used the Site. Additionally, we may capture click-stream data on some of our partner's websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners. We also may use cookies to deliver targeted advertising (or allow third parties to deliver targeted advertising) on our website and the websites of our affiliates and third parties.

Log Files. We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Clear Gifs. We employ a software technology called clear gifs (a.k.a. Web Beacons) that help us better manage content on our site and in our HTML emails by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users' personally identifiable information. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.

Emails

By providing your contact information to us through the Site, you are registering to receive communications from us directly, on our website or through a third party. We will periodically send you newsletters and other e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to QuoteLab Customer Care at info@quotelab.com. You may also opt-out by clicking on the unsubscribe link in our emails.

Third Party Advertisers

Please note that we can only control our own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services. In addition, if you provide your personal information to a Service Provider in our network, any use of your information by that Service Provider will be subject to their privacy policies and procedures. You would need to contact these parties directly in order to stop receiving their email communications.


Confidentiality and Security

The security of your personal information is very important, and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who assist us in providing requested products and services to you and maintain physical, electronic, and procedural safeguards that comply with or exceed federal standards to guard personal information about you.

Third Party Links

This Privacy Policy applies to all information that you provide on the Site. However, when you visit websites to which QuoteLab.com links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party's privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.

A Special Note about Children's Privacy

You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians. Please see our Terms of Use for more information.

Updating, Obtaining or Removing Your Information

Upon request via email or mail, we will provide you a summary of personal information retained by us. We will only send your personal records to your email address or postal address that we have on file for you. To modify, correct, change, update or remove your personal record from our database, please send your request via email to info@quotelab.com.

Special Notice to California Residents

We will not share any personal information about you with other companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law. California residents may, no more than once per calendar year, request information about our disclosures of certain categories of personal information to third parties for direct marketing purposes. To be valid, requests must be submitted to us at info@quotelab.com. Within thirty days of receiving this request, we will provide a list of the categories of personal information disclosed for direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of the third parties.

Visitors outside the United States

This Privacy Policy is intended to cover collection of information on our Site from residents of the United States. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By visiting our site or using our Services, you acknowledge and agree that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy, regardless of the laws of your residence country.

Questions and Suggestions

If you have any questions, concerns or suggestions about our Privacy Policy, you may contact us by sending an email to: info@quotelab.com.

Changes to this Privacy Policy

We reserve the right to make changes to this Privacy Policy at any time. If there are material changes to this Privacy Policy or in how we will use your personal information, we will prominently post notice such changes on the Site. However, you should check this Privacy Policy each time you use the Site to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of our Site after we have posted any Privacy Policy changes indicates your agreement to the changes unless you notify us otherwise.

Your Agreement

By using the Site, you signify your assent to this Privacy Policy. If you do not agree to this policy, please do not use any portion of the Site. When you request insurance quotes or other information through the Site, you are authorizing us to share information with our business partners, who may contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly.

Updated April 2012

QuoteLab, LLC
700 S. Flower St., Suite 640,
Los Angeles, CA 90017

HealthPlans.com is operated by Quotelab, LLC, which is an independent broker and is not a federal or state Marketplace website. This website is owned and operated by QuoteLab, LLC, a licensed insurance agency, NPN #19911386. Invitations for application for health insurance on QuoteLab, LLC, only where licensed and appointed. License numbers are available upon request and are provided where required by law. QuoteLab's license information can be found at https://www.quotelab.com/licenses.html.

Federal Contracting Statement: Plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal with Medicare.

We do not offer every plan available in your area. Currently we represent zero organizations which offer zero products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options. We connect you with licensed agents that do have Medicare Advantage Plans and they will tell you how many plans and products they offer in your service area.

This website may not display all data on Qualified Health Plans being offered in your state through the Marketplace website or the federal Medicare program. This is not a complete listing of plans available in your service area. To see all available data on Qualified Health Plan options in your state, visit your state Marketplace website, go to the Health Insurance Marketplace website at https://www.healthcare.gov or consult https://www.medicare.gov.

Submitting this form does NOT affect your current enrollment, nor will it enroll you in a Medicare Advantage plan, Medicare Prescription Drug plan, Medicare Supplement Plan, or any other Medicare plan. QuoteLab, LLC is independent of the Medicare program and is neither associated with nor endorsed by The Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

The plans represented on HealthPlans.com are Medicare Advantage HMO, PPO and PFFS organizations and stand-alone prescription drug plans with a Medicare contract. Enrollment in any plan depends on contract renewal. If you are paying Medicare Part B premium, you must continue to pay it to maintain coverage.

Not all plans offer all of these benefits. Benefits may vary by carrier and location. Limitations and exclusions may apply.

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

Part B Premium give-back is not available with all plans. Availability varies by carrier and location. Actual Part B premium reduction could be lower. Deductibles, copays and coinsurance may apply.

Based on median Medicare Advantage benefit amounts for dental available across multiple plans and metro areas. Not all benefits available in specific plans or regions.

This information is not a complete description of benefits. Contact the plan for more information.

Limitations, copayments, and restrictions may apply.

[Benefits, premiums and/or copayments/coinsurance] may change on January 1 of each year.

Advertised Pricing:

There are several factors that impact your monthly premium; including your age, geographical location, annual income, dependents, and the type of plan you choose. Monthly premiums do not include out-of-pocket costs.

The advertised price may not be typical. It was generated using the Kaiser Family Foundation's subsidy calculator that was accessed on September 16, 2020. The following parameters were used: 21 year old adult, non-tobacco user, annual income of $24,700 in 2020, no children, and no available coverage through a spouse's employer. The resulting monthly premium was $30 per month (or $360 per year after $2,751 in subsidies) for a Bronze Plan. Even when using the same parameters, the resulting premium and subsidy calculations may be subject to change.