Privacy Policy
Introduction
Welcome to https://www.aultimateassurance.com, DBA Laurie Aultman.
Your privacy is very important to us and we will make every reasonable effort to safeguard any information we collect. The purpose of this Internet Privacy Policy is to let you know how we handle the information we receive from you through this Website. This Internet Privacy Policy does not apply to information collected through other means such as by telephone or in-person, although that information may be protected by other privacy policies.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
HIPAA Notice of Privacy Practices
The Health Insurance Portability and Accountability Act of 1996 (HIPAA) Privacy Rule allows members the right to receive a notice that describes how individual health information may be used and/or disclosed and how to acquire access to this information. To read more about our privacy practices regarding health and medical information under HIPAA, please see our Website. In the event of any conflict between the requirements and/or permitted uses of covered health and medical information under our HIPAA Notice of Privacy Practices and this Internet Privacy Policy, the terms of our HIPAA Notice of Privacy Practices shall control.
What Information Do We Collect
Information may be collected in two ways on our Website. You may elect to establish an account on our Website so that you can gain additional access to on-line service applications, health tools health information, subscriptions or other services where it is important for us to know who you are in order to best meet your needs. Personal information will not be collected from you without your knowledge.
Providing this personal information is always voluntary. Second, we may use "cookies" to help us improve our Website by tracking your navigation habits and to store some of your preferences. A cookie is a small file created by an Internet site to store information on your computer. This cookie does not allow other Websites to gain access to information on your computer. Only our Website can read this cookie.
Linking to Other Websites
From time to time we will provide links to other Websites, not owned or controlled by us. We do this because we think this information might be of interest or use to you or where, as a member, we can provide you with value added services. While we do our best to ensure your privacy, we cannot be responsible for the privacy practices of other sites. A link to an external Website does not constitute or imply endorsement by us. Additionally, we cannot guarantee the quality or accuracy of information presented on external Websites. We encourage you to review the privacy practices of any Website you visit.
Use of Electronic Mail
Most E-mail, including the E-mail functionality on our Website, does not provide a completely secure and confidential means of communication. It is possible that your E-mail communication may be accessed or viewed inappropriately by another Internet user while in transit to us. If you wish to keep your information completely private, you should not use E-mail.
Other Online Communications
We may send electronic newsletters, notification of account status, and other communications such as information marketing other products or services, on a periodic basis to various individuals and organizations. To opt-out of any specific electronic communication you're receiving, click on the opt-out button associated with the specific communication.
Changes to This Privacy Policy
We may change this Privacy Policy or our Terms of Use from time to time. If we do so such change will appear on this page of our Website. It is your responsibility to review the Privacy Policy when you use this Website. By continuing to use this Website you consent to any changes to our Privacy Policy or Terms of Use. This statement is not intended to and does not create any contractual of other legal right in or on behalf of any party.
For questions or comments please contact [email protected]
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Frequently Asked Questions
Common Questions Answered for your convenience.
What is Medicare, and who is eligible for it?
Medicare is a federal health insurance program primarily for individuals aged 65 or older, but it also covers certain younger people with disabilities or those with End-Stage Renal Disease (ESRD). Eligibility is based on age or specific qualifying conditions.
What is the difference between Medicare Part A and Part B?
Medicare Part A covers hospital stays, skilled nursing facilities, hospice care, and some home health services. Part B covers outpatient care, doctor's visits, preventive services, and medical supplies. Part A is often premium-free if you've paid Medicare taxes, while Part B has a monthly premium.
What is Medicare Advantage (Part C)?
Medicare Advantage (Part C) is an alternative to Original Medicare. It is offered by private insurance companies and includes all benefits of Part A and Part B, often with additional benefits like prescription drug coverage, dental, vision, and wellness programs. It typically comes with different out-of-pocket costs and provider networks.
What is the enrollment period for Medicare?
The Initial Enrollment Period (IEP) is a seven-month window that begins three months before your 65th birthday, includes your birthday month, and ends three months after. There is also an Annual Enrollment Period (AEP) from October 15 to December 7, during which you can make changes to your plan.
What happens if I don’t enroll in Medicare on time?
If you miss your Initial Enrollment Period, you may face late enrollment penalties. For example, for Part B, you could pay a 10% higher premium for every 12 months you were eligible but didn’t sign up, unless you qualify for a Special Enrollment Period due to circumstances like continuing employer coverage.
What is life insurance, and why do I need it?
Life insurance is a way to make sure your loved ones are financially protected if something happens to you. It provides a lump sum payment they can use to cover daily living expenses, pay off debts, handle mortgage payments, or plan for future needs like college tuition. By having life insurance, you give your family the security to maintain their lifestyle and the freedom to focus on healing rather than financial stress.
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