Confidentiality Agreement

We protect the confidentiality of our members’ personal financial and health information as required by law and our internal policies and procedures. This client Confidentiality Statement explains your rights, our legal duties and privacy practices.

Your Financial Information

In order to conduct health insurance/benefits activities, we collect and use several different types of financial information. This includes information that you provide directly to us on applications or other such forms (census), such as your name, address, occupation, salary, age, and information about dependents. We also may accumulate information about your transactions with insurance companies such as policy coverage, premiums, claims data, and premium payment history.

We use physical, electronic, and procedural safeguards to protect your confidential information. We make it available only to our employees or others who need it to service or maintain your policy, to conduct insurance transactions and functions or for other legally permitted or required purposes.

For payment: We may use or disclose information about you in managing your account or benefits. For example, we maintain information about your premium and coverage election. We may also provide information to a doctor’s office to confirm your eligibility for benefits or the coverage provided under your certificate.

For Operations: With your written approval via group level risk assessment or broker of record letter, we may use or disclose health information on a group level basis about your account for the purpose of insurance/benefits transactions and operations. Without this information, we would be unable to accurately and effectively market your account to the various financial markets needed to meet your objectives.

Consistent with the above, all current and future employees and business associates are required to sign and uphold our confidentiality agreement. Should you have any questions concerning this agreement or how we protect your private information, please do not hesitate to contact our office.

Carolina Benefit Specialists, Inc. is an independent authorized producer/agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (BCBSNC). The content contained in this site is maintained by Inspire Creative Studios, Inc. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ® and SM Marks of the Blue Cross and Blue Shield Association.