Website Disclaimer
Effective Date: 04/28/2025
The information provided by Horizon Senior Benefits, Inc. (“we,” “us,” or “our”) on https://horizonseniorbenefits.com (the “Website”) is for general informational purposes only. All information on the Website is provided in good faith; however, we make no representation or warranty regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information.
1. Professional Disclaimer
Horizon Senior Benefits, Inc. is a licensed life insurance agency. The information on this Website is not intended as legal, medical, or financial advice. For specific advice, please consult with a licensed professional in the appropriate field.
2. No Guarantee of Results
Insurance rates, coverage options, and policy availability are subject to underwriting review and approval by insurance carriers. Submitting a quote request or application does not guarantee coverage. Rates and coverage amounts are subject to change based on underwriting criteria and other factors.
3. External Links Disclaimer
The Website may contain links to other websites or content originating from third parties. We do not investigate, monitor, or endorse the accuracy or reliability of such external websites.
4. Testimonials Disclaimer
Testimonials appearing on the Website are individual experiences and may not reflect the experiences of all customers. Results may vary.
5. Limitation of Liability
Under no circumstances shall Horizon Senior Benefits, Inc. be liable for any loss or damage of any kind incurred as a result of the use of the Website or reliance on any information provided.
6. Contact Us
If you have questions about this Disclaimer, please contact us at:
Horizon Senior Benefits, Inc.
7600 Grand River Ave Ste. 295
Brighton, MI 48114
Phone: 800-862-4020
Email: [Insert Contact Email]
HIPAA Notice of Privacy Practices
Effective Date: 04/28/2025
This HIPAA Notice of Privacy Practices describes how your Protected Health Information (“PHI”) may be used and disclosed by Horizon Senior Benefits, Inc. and how you can access this information.
We are committed to maintaining the privacy and security of your PHI in accordance with the Health Insurance Portability and Accountability Act (HIPAA).
1. Our Responsibilities
We are required by law to:
- Maintain the confidentiality of your PHI.
- Provide you with this Notice regarding our legal duties and privacy practices.
- Abide by the terms of this Notice.
2. How We May Use and Disclose PHI
We may use and disclose your PHI for the following purposes:
- To Provide Services: To assist you in applying for insurance products, including underwriting and policy servicing.
- Payment: To obtain premiums or to facilitate billing processes.
- Health Care Operations: To improve internal business processes and ensure service quality.
- As Required by Law: To comply with any applicable law or legal requirement.
We do NOT sell or share your PHI with unauthorized third parties.
3. Your Rights
You have the right to:
- Inspect and copy your PHI.
- Request restrictions on certain uses and disclosures.
- Request communications via alternative methods.
- Amend your PHI if you believe it is incorrect or incomplete.
- Receive a list of certain disclosures we have made of your PHI.
Requests must be submitted in writing to the contact information below.
4. Security of Your Information
We use industry-standard security practices to protect your PHI, including encryption, secure servers, and access control measures.
5. Changes to This Notice
We reserve the right to update this HIPAA Notice at any time. Revisions will apply to all PHI we maintain.
6. Complaints
If you believe your privacy rights have been violated, you may file a complaint with us or with the U.S. Department of Health and Human Services. Filing a complaint will not affect your services or benefits.
7. Contact Us
For questions about this Notice or to exercise your rights, contact:
Horizon Senior Benefits, Inc.
7600 Grand River Ave Ste. 295
Brighton, MI 48114
Phone: 800-862-4020
Email: bbarber@horizonseniorbenefits.com