Privacy Policy

OUTDOOR RECREATION INSURANCE

Underwritten by Security National Life Insurance Company

ACCIDENT INSURANCE NOTICE OF PRIVACY PRACTICES

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.

This Notice gives you information about the privacy guidelines and practices utilized by Security National Life Insurance Company ("Security National") in the administration of its single premium, non-renewable, accident-only insurance product, "Outdoor Recreation Insurance" or "O.R.I." This Notice applies only to "Outdoor Recreation Insurance" and not to information that our other programs maintain. The purpose of these privacy guidelines and Security National's related procedures and practices is to protect the privacy of your medical information that we maintain as an issuer.

O.R.I. accident-only insurance policies do not include, among other things, provisions requiring or recommending clinical management, pre-certification of medical services, pre-authorization or medical services or any other managed care-related exchange of personal health information. However, on a post-service basis, we may necessarily use and disclose your medical information in order to process and pay O.R.I. claims. To the extent the O.R.I. claimant is covered under a health plan or policy of health insurance, we request and rely upon related Explanations of Benefits (EOBs) in order to consider the claimant's proof of loss under the terms of the O.R.I. accident-only coverage. O.R.I. accident-only benefits are ordinarily paid directly to the insured. However, in the course of claims administration, the insured may request that benefits be paid to one or more medical providers for services that are covered under the terms and conditions of the applicable O.R.I. policy or certificate of insurance.

We will follow the terms of this Notice until we replace it. We reserve the right to change the terms of this Notice at any time. If we make changes to this Notice, we will revise it and make a new Notice available to all of our customers and the public at large. We reserve the right to make the new changes apply to all your medical information maintained by us before and after the effective date of the new Notice.

We may use and disclose your medical information for the following purposes:

  • Health Care Providers' Treatment Purposes: For example, we may disclose your medical claims information to your doctor, at the doctor's request, for your treatment by him.
  • Payment: For example, we may use or disclose your medical claims information to pay claims for covered health care services or to provide eligibility information to your doctor when you receive treatment.
  • Operations: For example, we may use or disclose your medical claims information (i) to conduct quality assessment and improvement activities, (ii) for underwriting, premium rating, or other activities relating to the creation, renewal or replacement of a contract of insurance, (iii) to authorize business associates to perform data aggregation services, and (iv) to manage, plan or develop our business. We may also disclose your medical information to another covered entity for health care fraud and abuse compliance activities of the entity that receives your medical information.
  • As required by law: For example, we may disclose your medical information as authorized by and to the extent necessary to comply with workers' compensation or other similar laws.
  • To Business Associates: We may disclose your medical information to business associates we hire to assist us. Each of our business associates must agree in writing to ensure the continuing confidentiality and security of your medical claims information.
  • To Group Policy Holder: If we provide health benefits to you under a group policy, we may disclose to the group policy holder, in summary form, claims history and other similar information. Such summary information does not disclose your name or other distinguishing characteristics ("non-distinguishing information"). We may also disclose to the group policy holder the fact that you are enrolled in, or disenrolled from the group policy. We may disclose non-distinguishing medical claims information to the group policy holder for administrative functions.

We may also use and disclose your medical claims information as follows:

  • To comply with legal proceedings, such as a court or administrative order or subpoena.
  • To law enforcement officials for limited law enforcement purposes.
  • To a family member, friend or other person, for the purpose of helping you with your medical or ambulance expenses, if you are in a situation such as a medical emergency and you cannot give your agreement to us to do this.
  • To your personal representatives appointed by you or designated by applicable law.
  • To a coroner, medical examiner, or funeral director about a deceased person.
  • To avert a serious threat to your health or safety or the health or safety of others.
  • To federal officials for lawful intelligence, counterintelligence and other national security purposes.
  • To public health authorities for public health purposes.
  • To appropriate military authorities, if you are a member of the armed forces.

Uses and Disclosures with Your Permission

We will use reasonable care, diligence and skill not use or disclose your medical claims information for any other purposes unless you give us your written authorization to do so. If you give us written authorization to use or disclose your medical claims information for a purpose that is not described in this Notice, then, in most cases, you may revoke it in writing at any time. Your revocation will be effective for all your medical claims information we maintain, unless we have taken action in reliance on your authorization.

Scope of Our Accommodations to You

You may make a written request to us to do one or more of the following concerning your medical claims information that we maintain:

  • To put additional restrictions on our use and disclosure of your medical information. We do not have to agree to your request.
  • To communicate with you in confidence about your medical claims information by a different means or at a different location than we are currently doing. We do not have to agree to your request unless such confidential communications are necessary to avoid endangering you and your request continues to allow us to pay claims. Your request must specify the alternative means or location. Even though you requested that we communicate with you in confidence, we may give subscribers cost information.
  • At your expense, to see and get copies of your medical claims information. We do not have to agree to your request.
  • To correct your medical claims information. In some cases, we do not have to agree to your request.

If you want to exercise any of these rights described in this Notice, please contact the Contact Office (below). We will give you the necessary information and forms for you to complete and return to the Contact Office. In some cases, we may charge you a nominal, cost-based fee to carry out your request.

Complaints

If you believe we have violated your privacy rights, you, you may file a complaint with us at our Contact Office (below). We will not retaliate against you if you choose to file a complaint.

Contact Office

To request additional copies of this Notice or to receive more information about our privacy practices or your rights, please contact us at the following Contact Office:

Security National Life Insurance Company
Attn: O.R.I. Privacy Officer
Security National Life
P.O. Box 57220
Salt Lake City, Utah 84123
Ph: (801) 264-1060
Toll: (800) 574-7117
Fax: (866) 397-9668