Updated April 30, 2021
Thank you for your interest in American Better Health Organization, Inc. (“ABHO”, “Association”, “we”, “us”, or “our”). This Privacy Policy (“Policy”) applies to the following websites operated by the Association, and our other websites where we post this document as the applicable Privacy Policy, along with any related websites, networks, applications, agent and representative services, and communication channels (including online chat and telephone call centers), and other services provided by us:
You can learn more about our commitment to privacy with this Policy describing how we collect, use, share, and secure the personal information you provide to the Association. This Privacy Policy also describes your choices regarding use, access, and correction of your personal information.
Your use of these websites is governed by the Legal Agreement, located at https://www.abho.org/legal, which is incorporated here by reference.
If you are a Member as defined in the Membership Terms located at https://www.abho.org/memberterms, your use of the ABHO website and ABHO’s benefits and services is also subject to the Membership Terms, which are incorporated here by reference.
To provide you with ABHO’s benefits and services, we will ask you to voluntarily provide us with personal information about you and, if applicable, your family members. We use your personal information to help enroll you in ABHO’s benefits and services, answer your requests for information, and process your membership plan application. The use of “personal information” also fully incorporates the meanings of “Individually Identifiable Health Information”, “Protected Health Information” and “Non Public Personal Information” as defined in regulations promulgated under the Health Insurance Portability and Accountability Act of 1996 and the Gramm Leach Bliley Act of 1999 respectively.
If you provide information directly to one of our partners or any other third-party, then your information would be governed by such other party’s privacy policy.
Your privacy is the Association’s number one priority. The Association asks you for specific pieces of personal information when you enroll. Each piece of information we collect is vital to provide you with excellent service and accurate pricing. We will not disclose, sell, rent or otherwise distribute any personally identifiable information regarding our customers to any third party, except those specifically involved in the processing of your request for information. We may also use and share aggregated information when it enables us to improve and enrich our product offerings.
Service Providers
We may disclose your personal information to other companies that help us to process or service any quote, or enrollment you begin, process, or submit through us, or to correspond with you. For example, we may provide your personal information to a service provider to verify the validity or credit limit of your credit card. Please be assured that the individuals and companies we hire and/or contract with to process or service your application or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.
Legal Obligations
There may be limited circumstances in which the Association may be required by law to provide your personal information without your authorization in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. For instance, the Association may disclose your personal information to comply with a subpoena, or similar legal process. The Association may also disclose or report your personal information when it believes, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities, to resolve customer disputes, to protect our rights, to protect your safety or the safety of others, to investigate fraud, or to otherwise respond to a government request. Again, the Association will never sell your information to any individual or organization.
Business Transactions
If Company is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.
ABHO’s enrollment process is not intended to be initiated by minors under the age of 18. The Association will never knowingly collect information for or about those under the age of 18 in connection with ABHO’s services without parent or guardian consent.
So that the Association can provide you with the accurate pricing and enroll you as a member, the Association collects personally identifiable information. The Association collects this information through the ABHO websites and via telephone, including during the enrollment process.
During the enrollment process, we may collect your name, address, zip code, Social Security number, date of birth, gender, email, telephone number, and payment information. We may also collect additional information pertinent to processing your enrollment. If you enroll as a member, the payment information that you voluntarily provide will be used to process the one-time membership enrollment fee as well as the monthly membership fee.
The information you provide us is on a strictly voluntary basis. If we collect your Social Security number, it will be protected in the same manner as other personally identifiable information. Additionally, your Social Security number will only be accessed by individuals necessary to effectuate the services requiring it. If we are required to transmit your Social Security number over the Internet, we will provide a secure connection or have the number encrypted. The Association will never print your Social Security number on a card or mail unless required to reenroll you in a requested service as part of the ABHO membership plan application or unless required by state or federal law.
The Association will record your IP address for statistical use of the ABHO website, as well as to protect against fraudulent use of the ABHO website. IP addresses are not used to track a user's behavior. It is only used to help us determine traffic to specific areas of our site and to prevent fraud. We will NOT disclose, sell, rent or otherwise distribute your IP address.
The Association has implemented numerous security features to prevent the unauthorized release of personal information. Any time you enter or provide personal information and sensitive information (such as credit card number and social security number) in our website, we encrypt it using Secure Socket Layer (“SSL”) technology. SSL protects information as it crosses the Internet. To support this technology, you need an SSL-capable browser. Association recommends using encryption at least as strong as the 128-bit encryption available in browsers such as recent versions of Microsoft’s Internet Explorer or Google’s Chrome browser. These browsers will activate SSL automatically whenever you begin shopping for a plan on our website and when you return to our website to complete an application.
In most browsers, you will see either a locked padlock or a key icon to indicate your session connection is taking place via a secure server. This icon indicates you are visiting a secure area within a website.
If you need a strong encryption browser, you can go to the Microsoft website or the Google website to download the latest Internet Explorer or Chrome browser. We do not recommend the use of beta browser versions.
No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us at Privacy@ABHO.org.
Any data collected from you will be destroyed in a secure fashion according to industry standards, including shredding and destruction where applicable.
If you have questions or concerns regarding our privacy policy or practices, please contact us by email at Privacy@ABHO.org or by mail at:
Privacy, Privacy@ABHO.org
665 Union Blvd
Allentown, PA 18109.
Your password and other security information
The password you enter when you access your online account at www.ABHO.org is your private entry key into member portal. You should never share it with anyone. You are responsible for safeguarding your login and password information and are fully responsible for activities that are conducted under your username and password, whether or not you authorize such activities. You agree to (a) immediately notify us of any unauthorized use of your username or password of which you become aware, and (b) ensure that you exit from your account at the end of each session to safeguard your personal information.
If you forget your password, we can send your password through email (provided that you gave us your email address as your user ID when you created an account on our website) or we can help you retrieve your password by calling us toll free at 1-855-SURE-MED.
Security risk of using non-approved automated software applications
For security reasons to guard the safety of your data, access to www.ABHO.org is limited to SSL-capable browsers such as recent versions of Microsoft’s Internet Explorer or Google’s Chrome. Under no circumstance should you use any software, program, application or any other device to access or log-in to the Association website, or to automate the process of obtaining, downloading, transferring or transmitting any content to or from our computer systems, website or proprietary software.
Access and ability to correct personal data:
Upon request by via mail or phone (during regular business hours and after verifying identity) the Association will provide to you a summary of any personally identifiable information retained in connection with your ABHO account. You may modify, correct, change or update personally identifiable information that the Association has collected through the enrollment process and may cause their personal information to be removed from the data base.
If your personal information changes, or if you otherwise want to correct, update or delete your personal information held by us, you may contact us by email at Privacy@ABHO.org or by mail at
Privacy, Privacy@ABHO.org
665 Union Blvd
Allentown, PA 18109.
Company will respond to such requests within thirty (30) calendar days. If additional time is needed, we will inform you of the delay in writing within thirty (30) days, including the reason for the delay, and the date response will be provided, which will be no later than sixty (60) days from the original request.
Additionally, you may update your name, email address, and password by clicking on the “Login” link on this website and signing in using your email address and password. We will respond to your request to access within a reasonable timeframe.
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Please note that once your application has been submitted to your chosen health insurance company, association, membership, or any other relevant party (such as the federal government in the case of an application involving advanced premium tax credits) you may have to contact the company or such other party directly to update your application.
Collection and use of third-party information:
You may also provide personal information about other people, such as their name, date of birth and gender, for the purposes of enrollment. This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided. The third party may contact us at Privacy@ABHO.org to request that we remove this information from our database.
You acknowledge and agree that the Association may, in its sole discretion, modify, add or remove any portion of this Privacy Policy at any time and in any manner. If a revision, in our sole discretion, is material, the Association will notify you. It is your responsibility to check periodically for any changes we make to the Privacy Policy. Your continued use of the ABHO website means you accept these changes. No changes to this Privacy Policy occurring after a dispute between you and the Association arises will apply retroactively.