In order to purchase insurance through the MNsure system, an applicant will have to create an online account. This account access is granted subject to compliance with law and the terms and conditions for use. Users are responsible for maintaining confidentiality of their personal account information. By using the MNsure system, applicants certify that the information provide is true and accurate. For data submitted on behalf of household members or others, the individual providing or receiving the data must have consent from household members to view private data and must agree to safeguard it. Providing false information or using information obtained through the system for unauthorized purposes is a violation of law and may subject you to criminal and/or civil penalties. Fraud, waste, abuse, and any attempt to breach the security of the system are strictly prohibited, and any suspected misuse, fraud, waste, or abuse should be reported to firstname.lastname@example.org.
The MNsure system is the property of the State of Minnesota and is subject to the Minnesota Government Data Practices Act. By using this system, you are representing yourself as an authorized user, and as such, you agree to use the system for authorized purposes only and in compliance with state and federal law. Users of the system who have the ability to see the personal information of participants, including state employees, contractors, community assistance partners, and other system users, must adhere to rules of behavior for protection of private participant information. These rules are consistent with and in addition to the privacy and security policies and procedures for MNsure, including the Minnesota Department of Human Services (DHS) Information and Technology Policies and Procedures, and the Appropriate Use of Electronic Communication and Technology Policy (applicable only to state employee users). Non-compliance with the rules and associated security policies may be cause for disciplinary actions including suspension and/or termination of access privileges, employment consequences, and/or civil and criminal legal action.
System and equipment use are subject to monitoring to ensure proper performance of applicable security features or procedures. Such monitoring may result in the acquisition, recording and analysis of all data being communicated, transmitted, processed or stored in this system by a user. If monitoring reveals possible evidence of criminal activity, such evidence may be provided to Law Enforcement Personnel.
Users have an obligation to protect the system and information from unauthorized access, use, modification, destruction, theft, or disclosure by maintaining security and control over devices accessing the system, refraining from sharing account information, and using secure methods of access, storage, and transmission of system information.
Users must immediately report any lost or stolen equipment, known or suspected security incidents or breaches, known or suspected policy violations, or suspicious activity in accordance with established procedures. Known or suspected security incidents involve the actual or potential loss of control or compromise, whether intentional or unintentional, of authenticator, password, or sensitive information maintained or in possession of MNsure or information processed by contractors and third parties on behalf of MNsure.
MNsure has taken a number of steps to safeguard the integrity of its data and prevent unauthorized access to information that is maintained in agency computer systems. These measures are designed and intended to ensure the integrity of information that is transmitted, to block unknown or unauthorized access, and to provide reasonable protection of private information within the system.
When you visit the MNsure public website and browse or download information, we automatically collect and store information about your visit, including the Internet Protocol (IP) address and domain name used, the type of browser and operating system used, the date and time you visited this site, the pages or services you accessed, and the website you visited prior to coming to this website. This information is not readily identifiable to an individual and is used to analyze web traffic and improve our web service.
We use “cookies” to customize your browsing experience with the MNsure public website. A cookie contains unique tracking information for lists of pages you have visited and the date when you last looked at a specific page, to identify your session, distinguishing among visitors. You can refuse the cookie or delete the cookie file from your computer, and cookies do not contain any personally identifying information.
This notice tells how protected information about you may be used and disclosed and how you can get this information. Please review it carefully.
As part of evaluating your eligibility for purchasing coverage through MNsure, we collect information including your name, address, citizenship status, residence, household members (if purchasing coverage for household members), contact information, Social Security number, and other private data. If you are seeking financial assistance to pay for insurance coverage, we also collect income information. All data submitted by an applicant through MNsure is classified as private data under the Minnesota Government Data Practices Act. Minn. Stat. § 62V.06, subd. 3. MNsure does not collect, use, maintain, or store medical records or genetic information.
When you enter the MNsure application through your user log-in, information is collected and stored pursuant to the MNsure general retention schedule. Privacy warnings throughout the application system inform you about the purpose and use of the information that is being collected consistent with state and federal law. These privacy warnings are as follows:
In order to verify your identity, MNsure collects private data, including your name, address, Social Security number, and birthdate, and you will be prompted to answer identity verification questions based on your credit history and federal sources. You are not legally required to provide this information, but it is not possible to create a MNsure account without it. Providing false information is a violation of law and may subject you to criminal or civil penalties. This data will be used within MNsure by staff whose job assignments reasonably require access, and it will only be shared with individuals authorized by state or federal law.
MNsure Individual Eligibility Determination:
In order to verify your eligibility to participate in MNsure and purchase a qualified health plan, MNsure collects private data and verifies this information against state and federal sources. MNsure is required to collect this information to confirm that you reside in Minnesota, are lawfully present in the United States, and are not incarcerated. If you choose not to answer the questions, you will be unable to proceed with your purchase. This data will be used within MNsure by staff whose job assignments reasonably require access, and it will only be shared with individuals authorized by state or federal law.
MNsure Income Assistance and Subsidy Eligibility:
In order to verify your eligibility for Medicaid, cost-sharing reductions, and advanced payment of premium tax credits, MNsure collects private data, including household size and income, and verifies this information against state and federal sources. MNsure will also collect information to confirm that you reside in Minnesota, are lawfully present in the United States, and are not incarcerated. MNsure is required to collect the information in order to determine eligibility for Medicaid, cost-sharing reductions and advanced payment of premium tax credits. If you choose not to answer the questions, you will not be eligible for income assistance programs, but you may proceed with purchasing a qualified health plan without supplying the requested information. For information you provide for income assistance programs, the Department of Human Services is also authorized to view and use the information you provide pursuant to Minn. Stat. § 13.46. By continuing, you attest that you have consent to provide and view information on all the people who will be covered under your household. Providing false information is a violation of law and may subject you to criminal or civil penalties.
MNsure SHOP Employee Eligibility:
In order to verify your eligibility to participate in MNsure and purchase a qualified health plan, MNsure collects private data and verifies this information against state and federal sources. MNsure is required to collect this information to confirm that you reside in Minnesota, are lawfully present in the United States, and are not incarcerated. MNsure also needs to verify that you are an employee of the designated employer. If you choose not to answer the questions, you will be unable to proceed with your purchase. This data will be used within MNsure by staff whose job assignments reasonably require access, and it will only be shared with individuals authorized by state or federal law.
MNsure SHOP Employer Eligibility:
In order to verify your eligibility to participate in MNsure and purchase a qualified health plan for your employees, MNsure collects private data and verifies this information against state and federal sources. MNsure is required to collect this information to confirm that your business is located in Minnesota, that you have 50 or fewer employees, and are not a sole proprietor. If you choose not to answer the questions, you will be unable to proceed with your purchase. This data will be used within MNsure by staff whose job assignments reasonably require access, and it will only be shared with individuals authorized by state or federal law.
Qualified Health Plan Enrollment:
In order to proceed with purchasing and enrolling in a qualified health plan, MNsure collects private data, including your name, Social Security number, date of birth, and private health information, and sends this information to your selected health plan. MNsure does not collect or retain any credit card or banking information. If you choose not to provide the information, you will be unable to proceed with your purchase. This data will only be shared with individuals authorized by state or federal law.
We need to tell you apart from other people with the same or similar name, to decide what you are eligible for, to help you enroll in health insurance programs, to make reports, conduct audits and research, to evaluate our programs, to investigate fraud, and to collect money from the state or federal government for the services we provide.
We need your Social Security number to tell you apart from other people, to prevent duplication of state and federal benefits, and to verify income, resources or other information that may affect your eligibility and benefits. You do not have to give us a Social Security number for persons in your home who are not applying for coverage or if you have religious objections. If you are permanently living in the U.S. without permission or approval from the U.S. Citizenship and Immigration Services, you do not need to provide your Social Security number, but you may not be eligible to enroll in benefits or plans offered on MNsure. Immigration information you give to us is used to see if you are eligible to get coverage. We only share it when the law allows it or requires it. You do not have to give us immigration information about yourself if you are helping someone else apply or about anyone in your household who is not applying for coverage. For Medicaid, you do not have to provide immigration information if you are applying for emergency medical care only or are a pregnant woman living in the U.S.
We ask for income information to determine eligibility for public assistance programs and tax credits, and we verify this income information against state and federal sources including the IRS and SSA. We do not share income information outside of the eligibility process except as authorized by law. It may be shared with state and local government entities to determine eligibility for other assistance programs, with our own staff to provide customer service, as part of the appeals process if you are challenging an eligibility determination, or with state and federal revenue agencies to reconcile tax credits. If you do not want to seek a subsidy or tax credit, you do not have to provide income information. You are solely responsible for any tax consequences that result from your report of income or acceptance of subsidies and tax credits.
We will only share information about you as needed and as allowed or required by law. We may share your information with agencies or persons who need the information to do their jobs, such as MNsure employees, investigators and auditors, community assistance partners you are working with, law enforcement officials, other state, federal and local governmental agencies, your health care insurer, agency, managed care organization or others who pay for your care, and anyone else authorized by law to receive the information.
You and people you have given permission to may see and copy private information we have about you. This is called a data practices request. If you request data held by MNsure, you may view and inspect at no charge, or if you request copies, you may have to pay copy costs as outlined below.
If you believe the information we have about you is not correct, please send your concerns in writing along with an explanation of the information you do not agree with. Within 30 days, MNsure will either (1) correct the data found to be inaccurate or incomplete and attempt to notify past recipients of inaccurate or incomplete data; or (2) notify you that MNsure believes the data to be correct. If there is a request to disclose data in dispute, MNsure will attach your statement of disagreement to the disclosed data. You can appeal MNsure’s determination according to Minn. Stat. § 13.04, subd. 4. You also have the right to see a record of the people or organizations with which we have shared your information. You must ask for a copy of this record in writing to our Privacy and Security Manager.
The MNsure website provides a large variety of public information about MNsure, its contracts and funding, and commonly-asked questions related to enrolling in health insurance coverage through MNsure. You may request to inspect or obtain copies of additional data held by MNsure pursuant to the Minnesota Government Data Practices Act (Minnesota Statutes Chapter 13). Your request should be in writing and submitted to:
MNsure Privacy and Security Manager
81 East Seventh Street, Suite 300
St. Paul, MN 55101
You may have to pay for copies of information that you request. MNsure may charge for time spent searching and retrieving when the request is by someone other than the subject of the data. Searching and retrieving is time spent identifying and reviewing files, databases, or other storage devices (paper or electronic) to locate data or to determine whether data exist to respond to a request, and retrieving the relevant data. Retrieving data also includes creating, specifying, and executing a data warehouse query, reviewing the results for accuracy, and putting the data into a readable format. There is no charge to view or inspect data.
(1) Requests for copies are charged at $.25 per page for requests involving fewer than 100 pages. A two-sided paper copy counts as two copies.For electronic copies, the cost includes the cost of CD or disk.
(2) For data requests involving more than 100 pages, MNsure may charge the actual costs for searching and retrieving data, sorting data into a readable format, making, certifying and electronically transmitting or mailing the data, including the cost of employee time, in addition to the actual per page copy cost (which is set at $.08 per page). There is no charge for separating private data from public data, and there is no requirement to create summary data from existing public data. For calculation of staff time costs in responding to the request, MNsure uses the following rates:
Staff costs will be prorated when copies are requested, even when data was prepared for in-person inspection. For example, if 110 pages of public data are made available for review or inspection and 11 pages are requested for copies, the individual must pay 10 percent of the cost of searching and retrieving, certifying, sorting, and making copies.
(3) MNsure does not charge for viewing or inspecting public records or private records by the data subject, searching and retrieving costs when the requestor is the data subject, or when providing data to another government agency or the Legislature in the normal course of business or for law enforcement purposes. A MNsure participant who requests copies of his or her own eligibility or enrollment information for purposes of pursuing an appeal should work with the MNsure Appeals Office. MNsure has discretion to waive copy costs.
We must protect the privacy of your private information according to the terms of this notice. We may not use your information for reasons other than what is authorized by law and what is listed on this form. We will put changes to our privacy rules on our website at www.mnsure.org.
You may complain if you believe your privacy rights have been violated. You cannot be denied service or treated badly because you have made a complaint. If you believe that your medical privacy was violated by your doctor or clinic, a health insurer, a health plan, or a pharmacy, you may send a written complaint either to the county agency, the organization or to the federal civil rights office at: U.S. Department of Health and Human Services, Office for Civil Rights, Region V, 233 N. Michigan Avenue, Suite 240 - Chicago, IL 60601. If you think that MNsure has violated your privacy rights, you may send a written complaint to the U.S. Department of Health and Human Services at the address above or to: MNsure Privacy and Security Manager, 81 Seventh Street East, St. Paul, MN 55101-2211.
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