How we protect your health information under federal law
This Notice describes how McDonald Financial and Insurance Services, Inc. may use and disclose your protected health information (PHI) and your rights regarding this information. We are required by law to maintain the privacy of your health information and to provide you with this Notice.
PHI includes any health information that could identify you, such as medical conditions, treatment history, prescription medications, disabilities, and health insurance claims information. This applies to both our life insurance services (where we collect detailed health information) and health insurance claim assistance services.
We collect and use protected health information in two main situations:
We may use and disclose your health information for:
We will obtain your written authorization before using or disclosing your health information for any purpose not described in this notice. You may revoke your authorization at any time by contacting us in writing.
We may use or disclose your health information with your written permission for:
We may disclose your health information without your authorization only when required by law:
We will NOT use or disclose your health information for marketing purposes, sell your health information, or share it with unrelated third parties without your written authorization.
You have the following rights regarding your protected health information:
You have the right to request copies of your health information that we maintain. We will provide copies within 30 days of your request.
You have the right to request that we amend health information that you believe is incorrect or incomplete.
You have the right to request restrictions on how we use or disclose your health information. We are not required to agree to all restrictions, but we will accommodate reasonable requests.
You have the right to request that we communicate with you about your health information by alternative means or at alternative locations.
You have the right to request an accounting of disclosures of your health information that we have made for purposes other than treatment, payment, or healthcare operations.
You have the right to be notified if there is a breach of your unsecured health information.
We are required by law to:
We implement appropriate safeguards to protect your health information:
We reserve the right to change this Notice and our privacy practices. Any changes will apply to health information we already have about you as well as information we receive in the future.
If we make material changes to this Notice, we will:
If you believe your privacy rights have been violated, you have the right to file a complaint with us or with the U.S. Department of Health and Human Services.
Contact our Privacy Officer:
You may also file a complaint with the U.S. Department of Health and Human Services:
No Retaliation: We will not retaliate against you for filing a complaint.
If you have questions about this Notice or our privacy practices, or if you need to exercise any of your rights, please contact us:
(320) 448-8232
Monday - Friday: 8AM - 6PMinfo@mfisgroup.org
HIPAA-related inquiries welcomeEffective Date: January 2025
This HIPAA Notice of Privacy Practices is effective as of the date listed above and applies to all protected health information maintained by McDonald Financial and Insurance Services, Inc.