Privacy Policy

Effective Date: May 16, 2026

Texas Health Advisors ("we," "us," or "our") operates the website txhealthadvisor.com and provides life and Medicare health insurance brokerage services. This Privacy Policy describes how we collect, use, protect, and disclose your personal and sensitive information when you use our website or engage our services for insurance consultations and enrollment.

As a licensed insurance professional in the State of Texas, protecting your privacy and securing your personal health and financial information is our highest priority.

1. Information We Collect

To assist you with life and Medicare insurance options, we must collect certain personally identifiable information (PII) and protected health information (PHI). We collect this information directly from you during face-to-face appointments, phone consultations, or via our website contact forms.

Personal Identification Information

• Name, date of birth, and gender.

• Contact information (street address, email address, phone number).

• Social Security Number (SSN) or Medicare Beneficiary Identifier (MBI) (collected only when required for formal plan enrollments).

Health & Medical Information

• Current health status, medical history, and prescription medication lists (necessary to determine plan eligibility and accurately compare Medicare Advantage, Part D, or life insurance policies).

Financial Information

• Income details (to determine eligibility for subsidies or specific programs).

• Banking information (only if you choose to set up automatic premium payments with an insurance carrier).

2. How We Use Your Information

We use the information we collect solely to conduct our business operations as your insurance agent. Specifically, we use your data to:

• Verify your eligibility for Medicare, Medicaid, or specific life insurance products.

• Analyze, compare, and recommend insurance policies tailored to your health and financial needs.

• Assist you in completing and submitting official enrollment applications to insurance carriers.

• Communicate with you regarding your policies, upcoming enrollment periods, or to answer your inquiries.

• Comply with state and federal legal obligations, including Texas Department of Insurance (TDI) and Centers for Medicare & Medicaid Services (CMS) regulations.

3. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for marketing purposes. Your information is only shared under the following strict circumstances:

• With Insurance Carriers: We submit your information directly to the insurance companies you select for coverage to process your enrollment application.

• As Required by Law: We may disclose your information to comply with applicable laws, regulations, legally served subpoenas, or government audits (such as requests from the Texas Department of Insurance or CMS).

4. Information Security

We implement rigorous physical, electronic, and procedural safeguards to protect your personal information:

• Solo Access: As a solo agency, your files and information are handled exclusively by your licensed agent, reducing the risk of internal data exposure.

• Secure Storage: Digital information, including data gathered or referenced via txhealthadvisor.com, is stored on encrypted, password-protected systems and secure customer relationship management (CRM) platforms.

• Physical Security: Any physical paperwork or notes taken during face-to-face appointments are securely stored in locked filing cabinets and are shredded immediately once no longer legally required.

5. Cookies and Website Tracking

Our website, txhealthadvisor.com, may use basic "cookies" to enhance your browsing experience, analyze website traffic, and ensure our site functions properly. Cookies do not extract private health or financial data from your computer. You can choose to disable cookies through your browser settings, though some website features may not function optimally as a result.

6. Your Rights and Choices

You have the right to review, update, or correct the personal information we have on file for you. If you wish to review or amend your information, or if you would like to restrict how we communicate with you, please contact us directly using the information below.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. The "Effective Date" at the top of this page will indicate when the policy was last revised.

8. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or how your data is handled, please contact us:

• Business Name: Texas Health Advisors

• Website: txhealthadvisor.com

• Location: Texas, USA