Privacy Policy
Trek Insurance Solutions — Last Updated April 2026
1. Information We Collect
- Personal information: name, date of birth, address, phone number, email
- Medicare information: Medicare Beneficiary Identifier (MBI), Part A/B effective dates, current plan details
- Health information: prescriptions, doctors, pharmacies, hospitals
- Household information: household members, income (for ACA subsidy calculations)
- Device information: IP address, browser type, device type (for security and compliance logging)
2. How We Use Your Information
- To assist with Medicare, ACA, and insurance plan selection
- To communicate with you about your coverage options via phone, email, and text message
- To comply with CMS (Centers for Medicare & Medicaid Services) regulatory requirements
- To generate Scope of Appointment documentation and compliance records
- To coordinate with insurance carriers for enrollment processing
- To send appointment reminders, renewal notifications, and plan updates
3. How We Protect Your Information
- All personal health information (PHI) is handled in accordance with HIPAA
- Data is encrypted in transit (TLS/SSL) and at rest
- Digital signatures and compliance records include timestamps and IP addresses for audit purposes
- Access to client data is restricted to your assigned licensed insurance agent and authorized staff
- Compliance documents are retained for a minimum of 10 years per CMS requirements
4. Information Sharing
- We do NOT sell your personal information
- We share information with insurance carriers only as necessary to process your enrollment
- We may share information with technology partners who maintain Business Associate Agreements (BAA) for HIPAA compliance
- We may disclose information as required by law or regulatory authority
5. Text Messaging
- If you opt in, Trek Insurance Solutions may send text messages regarding your health insurance options, appointment reminders, and plan updates
- Message frequency: up to 10 messages per year
- Message and data rates may apply
- Reply STOP to opt out of text messages at any time
- Reply HELP for assistance
- Opting out of text messages does not affect your insurance coverage or our services
6. Your Rights
- You may request a copy of your personal information at any time
- You may request correction of inaccurate information
- You may revoke your permission to contact at any time by notifying your agent in writing
- You may opt out of text messages by replying STOP