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Save up to 30% on medical expenses with an HSA. Learn more about maximizing your tax savings!
Save up to 30% on medical expenses with an HSA. Learn more about maximizing your tax savings!Apply Now
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April 15 is the last day to contribute towards the 2013 HSA contribution limit.Learn More
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You may have heard of the Heartbleed bug in the news. The SelectAccount website is not susceptible to the Heartbleed bug.Read More
Security is not a one-time event. Good security is not simple. It is our job to understand, select, and deploy a variety of risk mitigation safeguards. We use a complex set of interacting networks, application and operating system safeguards include: Firewalls, Intrusion Detection, Monitoring Alarms, Encryption, ID codes, Passwords, Digital Certificates, Authentication, Secure Messaging, Audits and Security Tests. When software security improvements are available, we promptly apply them as needed. When new threats are discovered, we evaluate and act. We have significant resources dedicated to Privacy, Integrity & Security Compliance Services. We work directly with law enforcement officials to pursue any individuals who either fraudulently access or attempt to access or use information.
We strive to maintain the highest standards of decency, fairness, and integrity in our operations. On the internet, we take a number of measures to authenticate your identity when you access our services. We also take steps to protect sensitive information as it traverses the internet to and from your desktop. We make sure sensitive information is as secure as possible against unauthorized access and use. We also review our security measures periodically. We remain strongly committed to safeguarding customer information.
ID and Password Authentication
We use different pieces of information, collectively known as a personal identifier, to properly identify and authenticate you before allowing you secure access to sensitive information. The first piece of information is an initial User ID that is created from personal information.
For further security, we store your User ID and password on an encrypted database that is isolated from the internet.
Encryption and Security
Our site uses the highest levels of Internet security. We require the use of a secure browser and take full advantage of its features such as data encryption-using Secure Sockets Layer (SSL) protocol, user names, passwords, digital certificates and other industry recognized encryption standards.
Please do not disclose your SelectAccount internet access information to anyone. If you feel your account login information has been compromised or you need to report known incidents of unauthorized account access, please contact SelectAccount Customer Service immediately.
For your protection
SelectAccount is committed to providing you with best in class products and services. As part of obtaining our products and services, we understand that you provide SelectAccount with personal, private information and we take this responsibility seriously. This notice is provided so that you will be aware of the measures we take to protect the privacy of your nonpublic personal information. It also describes information we collect and how we use this information to conduct our business. You should know that we are required by law to provide you this notice about our legal duties and privacy practices. We hope that this notice will clarify our responsibilities to you and provide you with a good understanding of your rights. This notice describes how your information may be used and disclosed, and how you can get access to this information. Please review this notice carefully.
How SelectAccount safeguards your protected health information
SelectAccount Compliance has the overall responsibility to implement and enforce privacy policies and procedures to protect your protected health information. You can be assured that every effort is taken to comply with federal and state laws — physically, electronically and procedurally — to safeguard your information. In some situations, where state laws provide greater protection for your privacy, we will follow the provisions of that state law. SelectAccount requires all of its employees, business associates, providers and vendors to adhere to federal and state privacy laws. Following are descriptions of how your protected health information is handled throughout our administration of your personal spending account.
Permitted handling of protected health information
At SelectAccount, your protected health information is handled in a number of different ways as we administer your personal spending account. The following examples show you the various uses we are permitted by law to make without your authorization:
Treatment. We can use your health information and share it with professionals who are treating you. This may include information about your visits with health care providers related to your personal spending account claims.
Payment. We can use and disclose your health information as we pay for your health services. This may include information about your financial transactions with us, such as your personal spending account information, your account balance, fees, payments, withdrawals, deposits and payment history.
Additional uses and disclosures. In certain situations, the law permits us to use or disclose your protected health information without your authorization. These situations include:
Required by law. We may use or disclose your protected health information, as we are required to do so by state or federal law, including disclosures to the U.S. Department of Health and Human Services. Also, we are required to disclose your protected health information to you in accordance with the law.
Public health issues. We may disclose your protected health information to an authorized public health authority for public health activities in controlling disease, injury or disability. For example, we may disclose your protected health information to the childhood immunization registry.
Abuse or neglect. We may make disclosures to government authorities concerning abuse, neglect or domestic violence as required by law.
Health oversight activities. We may disclose your protected health information to a government agency authorized to conduct health care system or governmental procedures such as audits, examinations, investigations, inspections and licensure activity.
Legal proceedings. We may disclose your protected health information in the course of any legal proceeding, in response to a court order or administrative judge and, in certain cases, in response to a subpoena, discovery request or other lawful process.
Law enforcement. We may disclose your protected health information to law enforcement officials. For example, disclosures may be made in response to a warrant or subpoena or for the purpose of identifying or locating a suspect, witness or missing persons or to provide information concerning victims of crimes.
Coroners, medical examiners, funeral directors and organ donations. We may disclose your protected health information in certain instances to coroners and medical examiners during their investigations. We may also disclose protected health information to funeral directors so that they may carry out their duties. We may disclose protected health information to organizations that handle donations of organs, eyes or tissue and transplantations.
Research. We may disclose your protected health information to researchers only if certain established measures are taken to protect your privacy. For example, we may disclose to a teaching university to conduct medical research.
To prevent a serious threat to health or safety. We may disclose your protected health information to the extent necessary to avoid a serious and imminent threat to your health or safety or to the health or safety of others.
Military activity and national security. We may disclose your protected health information to armed forces personnel under certain circumstances, and to authorized federal officials for national security and intelligence activities.
Correctional institutions. If you are an inmate, we may disclose your protected health information to your correctional facility to help provide you health care or to provide safety to you or others.
Workers’ compensation. We may disclose your protected health information as required by workers’ compensation laws.
Your employer. If your coverage is through your employer, we may disclose information to your employer to review group claims data or to conduct an audit. All information that could be used to identify specific participants is removed unless such identification is necessary.
Your Authorization. Any uses and disclosures not described in this notice, including the use and disclosure of protected health information for marketing purposes, and the sale of any protected health information, will require your written authorization except where permitted by law. Keep in mind that you may cancel your authorization in writing at any time.
Your rights. SelectAccount would like you to know that you have additional rights regarding your protected health information. Your additional rights are described below:
Your right to request restrictions. You have the right to request restrictions on the way we handle your protected health information for treatment, payment or health care operations as described in the “Permitted handling of protected health information” section of this notice. The law, however, does not require us to agree to these restrictions. If we do agree to a restriction, we will send you a written confirmation and will not use or disclose your protected health information in violation of that restriction. If we don’t agree, we will notify you in writing.
Your right to confidential communications. We will make every effort to accommodate reasonable requests to communicate with you about your protected health information at an alternative location. For our records, we need your request in writing. It is important that you understand that any payment or payment information may be sent to the original address in our records.
Your right to access. You have the right to receive (or request that a designated person receive), by written request, a copy of your protected health information that is contained in a “designated record set,” with some specified exceptions. For example, if your doctor determines that your records are sensitive, we may not give you access to your records. You also have the right to request an electronic copy of protected health information that is maintained electronically.
What is a Designated Record Set?
A Designated Record Set is a group of records used to administer your personal spending account, including:
Your right to amend your protected health information. You have the right to ask us to amend any protected health information that is contained in a “designated record set.” For our records, your request for an amendment must be in writing. SelectAccount will not amend records in the following situations:
If you have requested an amendment under any of these situations, we will notify you in writing that we are denying your request. You have the right to file a written statement of disagreement with us, and we have the right to rebut that statement. Please note that changes of addresses are not required in writing.
Your right to information about certain disclosures. You have the right to request (in writing) information about any times we have disclosed your protected health information for any purpose other than the following exceptions:
Your right to receive notifications of breaches of protected health information. In the event of any unauthorized acquisition, use or disclosure of your unsecured protected health information (a “breach”), SelectAccount will notify you of such breach, unless there is a low probability that your protected health information has been compromised.
Although SelectAccount follows the privacy practices described in this notice, you should know that under certain circumstances these practices could change in the future. For example, if privacy laws change, we will change our practices to comply with the law. Should this occur:
Questions & answers
Q: Will you give my protected health information to my family or others?
A. We will only share your protected health information with others if either of these apply: 1. You are present, in person or on the telephone, and give us permission to talk to the other person, or 2. You sign an authorization form. You should know, however, that state laws do not allow us to disclose certain information about minors – even to their parents.
Q: Who should I contact to get more information or to get an additional copy of this notice?
A: For additional information, questions about this Notice of Privacy Practices, or if you want another copy, please visit the SelectAccount Web site at www.int.selectaccount.com. You may also call us at 1-800-859-2144 with questions or to obtain forms.
Q: What should I do if I believe my privacy rights have been violated?
A: If you think that we may have violated your privacy rights, or you disagree with a decision we made about access to your protected health information, you may either:
Please be assured that we will not take retaliatory action against you if you file a complaint about our privacy practices either with us or HHS.
The content of this Web site, including, without limitation, text, graphics, images and other material, including software developed and licensed by us, which permits the access and use of this Web site (collectively the “Content”), is protected by intellectual property laws, including copyright laws. All rights, title and interest in and to the Content remains vested in us and shall not pass to you or any other user.
Trademarks and Service Marks
The trade names, trademarks, service marks, logos, and slogans contained in this Web site that are the trade names, trademarks, service marks, logos and slogans of MII Life, Inc. d/b/a SelectAccount (each a “Mark” and collectively the “Marks”). You are not authorized to use any Mark in any advertisement, publicity or in any other commercial manner without our prior written consent.
While efforts have been made to keep the information and Content on this Web site as accurate as possible, the information and Content may contain inaccuracies. Therefore, we do not guarantee the reliability, accuracy, completeness or appropriateness of any information or Content on this Web Site or make any representations about the results that may be obtained from the use of the information and/or Content on this Web site. The use of the information and Content on this Web site is at your own risk. The information and Content of this Web site is provided “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
Limitation of Liability
We shall not under any circumstances be liable to any person or entity for any special, incidental, indirect or consequential damages, including, without limitation, damages resulting from use of OR RELIANCE ON the information and Content on this Web site, loss of profits or revenues or costs of replacement products, even if informed in advance or otherwise aware of the possibility of such damages.
Information Cannot Be Construed as Advice
The information and content on this website is designed for your convenience to provide general information about SelectAccount and its products and services. SelectAccount cannot provide tax or investment advice. For specific tax filing questions, please consult your professional tax advisor. For investment advice, please consult your professional investment advisor.
Online Communications Security
We have taken precautionary measures to make all information from and to our online visitors as secure as possible against unauthorized access and use. However, no guarantee of 100% communications security can be made. You are also responsible for maintaining this security by taking reasonable measures such as keeping your ID and password private. If you believe your online security has been compromised or your communication is in regards to matters of a confidential nature, please contact SelectAccount directly by telephone at 800-859-2144 or write us at SelectAccount, P.O. Box 64193, St. Paul, Minnesota, 55164.
Disclaimer of Endorsement
References in this Web site to any third party products, services, processes, hypertext links to third parties or other information by trade name, trademark, manufacturer, supplier or otherwise does not necessarily constitute or imply its endorsement, sponsorship or recommendation by SelectAccount. Similarly, the fact that other third party sites may provide information about SelectAccount and/or provide links to this Web site does not necessarily constitute or imply the endorsement of such other third parties, their products or services by SelectAccount. We may also make forums, message boards and news groups available to you. Please understand that any information that is disclosed in these areas could become public information. We have no control over its use and you should exercise caution when deciding to disclose any personal information.
Links to Other Sites
This Web site and Content may contain links to web sites operated by third parties. These links are provided solely for convenience and reference purposes only. Please know that when you choose to use any of the links provided, you will be leaving this Web site and going to a new Web site. The inclusion of any such link does not imply that we endorse the content of any web site to which this Web site provides a link, nor are we liable for your reliance on or use of any information or materials contained in their site.
Governing Law and Forum for Disputes
By accessing, transmitting or viewing any information on this Web site, you agree to be subject to personal jurisdiction in the State of Minnesota. Any claim or dispute arising out of accessing, transmitting or viewing any information on this Web site shall be venued in Dakota County, Minnesota and governed by the laws of the State of Minnesota.
You are now leaving the SelectAccount Web site to connect with another health care resource. This Web site has been provided for your convenience only.
SelectAccount does not control or guarantee the accuracy, completeness, or appropriateness of the information, services or resources contained in any other Web site.
Please take the time to read the privacy statement at the new Web site.