Privacy Policy

Privacy Policy

Trek Insurance Solutions — Last Updated April 2026

1. Information We Collect

Trek Insurance Solutions collects the following categories of information to assist you with your insurance needs:

• Personal information: name, date of birth, address, phone number, email

• Medicare information: Medicare Beneficiary Identifier (MBI), Part A/B effective dates, current plan details

• Health information: prescriptions, doctors, pharmacies, hospitals

• Household information: household members, income (for ACA subsidy calculations)

• Device information: IP address, browser type, device type (for security and compliance logging)

2. How We Use Your Information

• To assist with Medicare, ACA, and insurance plan selection

• To communicate with you about your coverage options via phone, email, and text message

• To comply with CMS (Centers for Medicare & Medicaid Services) regulatory requirements

• To generate Scope of Appointment documentation and compliance records

• To coordinate with insurance carriers for enrollment processing

• To send appointment reminders, renewal notifications, and plan updates

3. How We Protect Your Information

• All personal health information (PHI) is handled in accordance with HIPAA

• Data is encrypted in transit (TLS/SSL) and at rest

• Digital signatures and compliance records include timestamps and IP addresses for audit purposes

• Access to client data is restricted to your assigned licensed insurance agent and authorized staff

• Compliance documents are retained for a minimum of 10 years per CMS requirements

4. Information Sharing

• We do NOT sell your personal information

• We share information with insurance carriers only as necessary to process your enrollment

• We may share information with technology partners who maintain Business Associate Agreements (BAA) for HIPAA compliance

• We may disclose information as required by law or regulatory authority

5. Text Messaging

• If you opt in, Trek Insurance Solutions may send text messages regarding your health insurance options, appointment reminders, and plan updates

• Message frequency: up to 10 messages per year

• Message and data rates may apply

• Reply STOP to opt out of text messages at any time

• Reply HELP for assistance

• Opting out of text messages does not affect your insurance coverage or our services

6. Your Rights

• You may request a copy of your personal information at any time

• You may request correction of inaccurate information

• You may revoke your permission to contact at any time by notifying your agent in writing

• You may opt out of text messages by replying STOP

7. Contact Us

Trek Insurance Solutions

Email: info@trekis.net

Phone: 888-960-0442

Website: www.trekis.net