Placer West Insurance Services

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Placer West Insurance Privacy Policy

Privacy Policy

Relationships are built on trust. One of the most important elements of trust is respect for an individual's privacy. We at Placer West Insurance Services, Inc. value our relationship with you, and we take your personal privacy seriously. This privacy notice explains how we manage the personal and health information we have obtained from you and how that information has been, or may be, collected. It also explains how your personal and health information is used in administering your plan. Please read this notice carefully.

Information We Collect About You

We collect nonpublic personal information ("Personal Information") about you or your family when you complete your enrollment application. We may also receive Personal Information about you from other sources, such as prior insurance companies, DMV records, credit bureaus, mortgage and/or title companies, as well as participants in the health care system, such as your doctor or hospital. This Personal Information we receive may include your name, address, telephone number, date of birth, Social Security Number, your employer, as well as premium payment history and other financial information.

Our records may also contain Personal and Health Information regarding your personal insurance or medical benefit plan, such as type of insurance coverage or medical benefit plan, benefits, claims history, driving records, mortgage information, and health risk assessments.

We may also receive from these sources information about your physical or mental health condition, health care provided to you, or your payments for health care. The health Information we receive may include health care providers you have seen, medical services rendered to you, charges for those services, and your medical diagnosis.

How Your Information Is Used

The Personal and Health Information Placer West Insurance Services, Inc. obtains and stores about you and your family is used to effectively administer your plan. We may share your Personal and Health Information with affiliated companies and nonaffiliated third parties, as permitted by law, as part of our administration of your plan. For example, Placer West Insurance Services, Inc. may provide your Personal and Health Information to the following types of third parties: other insurance companies to coordinate benefits; and other firms involved in assisting us in administering your plan or preparing quotes, such as title companies and medical facilities.

Safeguarding Your Personal and Health Information

We restrict access to your Personal and Health Information to those employees who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your Personal and Health Information.

Changes to Our Privacy Policy

We will supply you with a copy of our privacy policy annually. Placer West Insurance Services, Inc. occasionally reviews its privacy policy and reserves the right to amend it. If we make material changes to this policy, we will provide our current members with a revised Privacy Notice that describes our new policy before it becomes effective.

Federal Poverty Level (FPL) Chart

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HSA Contribution Limits

Please be aware of the 2016 annual HSA contribution limits listed below.

  • $3,350* - Maximum HSA Annual Contribution Limit (Self-only)
  • $6,650* - Maximum HSA Annual Contribution Limit (Family)
  • $1,000 - HSA Catch-up Contribution Limit
  • $1,300 - Minimum HDHP Annual Deductible (Self-only)
  • $2,600 - Minimum HDHP Annual Deductible (Family)
  • $6,450 - Maximum HDHP Annual Out-of-pocket (Self-only)
  • $12,900 - Maximum HDHP Annual Out-of-pocket (Family)
  • *For purposes of the full contribution rule an employee is treated as being eligible for the entire calendar year as long as he or she is eligible as of December 1 of that calendar year and continues eligibility throughout the following year. However, failure to maintain eligibility during the "testing period" will result in adverse tax consequences (including an additional excise tax). The testing period begins in December of the year in which the employee becomes eligible and ends the last day of December of the following year.

Copyright 2011 Placer West Insurance Services | Lic. # OD58581 | Privacy Policy | Site by Sibling Systems.