Privacy Policy

Privacy Policy for Covered by Tara

Effective Date: 08/03/2026

At Covered by Tara, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information — including health-related information and phone number — in connection with our services helping individuals enroll in Marketplace (ACA) and Medicare health plans.

Covered by Tara is licensed to sell Medicare Advantage, Medicare Part D, and related plans, and is therefore classified by the Centers for Medicare & Medicaid Services (CMS) as a Third-Party Marketing Organization (TPMO). Sections of this policy specific to Medicare marketing reflect that status.

Information We Collect

We may collect the following categories of personal information when you use our services or interact with our website:

Name, date of birth, and contact information (address, phone number, email address)
Phone number, for communication and SMS purposes
Health-related information necessary for plan eligibility and enrollment, which may include Protected Health Information (PHI) such as current coverage, Medicare/Medicaid status, prescription drug needs, and provider information
Social Security number or Medicare Beneficiary Identifier (MBI), when required for enrollment
Information you provide through our website, such as through contact forms
Website usage data collected through cookies or analytics tools (see Section 8)

How We Use Your Information

We use your information to:

Assess your eligibility for and enroll you in ACA Marketplace or Medicare plans
Communicate with you about your enrollment, coverage options, and account
Respond to your inquiries and provide customer support
Comply with carrier, state, and federal recordkeeping and reporting obligations
Send SMS updates and notifications related to your enrollment (see Section 4)

Protected Health Information (PHI) and Medicare Data

Because our services involve helping you enroll in health coverage, we may collect and use health information that qualifies as Protected Health Information. We handle this information consistent with HIPAA principles and CMS requirements, including:

Using PHI only as necessary to assess eligibility, recommend plans, and complete enrollment
Not selling PHI or using it for purposes unrelated to your enrollment without your consent
Recording certain sales and enrollment-related calls for Medicare plans, as required by CMS, and retaining those recordings for a minimum of 10 years
Limiting internal access to PHI to those directly involved in assisting with your enrollment

If you have questions about how your health information is used, you may contact us using the information in Section 10.

Phone Number, SMS, and TCPA Consent

Your phone number is collected to provide effective communication about our services, including:

Sending SMS updates and notifications related to your healthcare enrollment
Responding to your inquiries and providing customer support

By providing your phone number, you consent to receive calls and/or SMS communications from Covered by Tara related to your inquiry or enrollment. Standard messaging and data rates may apply.

Consistent with current TCPA requirements:

Consent you provide to Covered by Tara is specific to Covered by Tara. We do not share your contact information with, or obtain consent on behalf of, unrelated organizations, and your consent is not transferred to any other Third-Party Marketing Organization (TPMO) without your separate, written authorization.
You may opt out of SMS or call communications at any time, using any reasonable method — including replying STOP to a text, telling us directly by phone or email, or another clear statement of your intent to opt out. You are not limited to using specific keywords.
We will process opt-out requests within 10 business days, and will make reasonable efforts to do so sooner.

Medicare Marketing Disclosures (TPMO Disclaimer)

As required by CMS, if Covered by Tara does not represent every Medicare Advantage or Part D plan available in your area, the following disclaimer applies to our marketing materials, website, and Medicare-related sales conversations:

“We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.”

This disclaimer is provided during Medicare sales calls and is available on request in writing.

Sharing of Information

Your personal information, including your phone number and health-related information, is not sold and is shared only as necessary to deliver our services, including with:

Insurance carriers (such as Florida Blue, Aetna, Devoted Health, Freedom Health, and VIPCare) for the purpose of processing your enrollment
Third-party service providers who assist us in operating our business (e.g., scheduling, e-signature, or communication platforms), under confidentiality obligations
Regulatory bodies, including CMS and state departments of insurance, as required by law

We do not sell or share your consent to receive communications with other TPMOs or unrelated third parties.

Data Security

We take reasonable administrative, technical, and physical measures to protect your personal information from unauthorized access, use, or disclosure, including:

Implementing security protocols to safeguard data, including PHI
Limiting access to personal and health information to those who need it to assist with your enrollment
Regularly reviewing our data practices and security measures

Website Data and Cookies

Our website may use cookies or similar tracking technologies (such as analytics tools) to understand site usage and improve our services. These tools may collect information such as your IP address, browser type, and pages visited. You can control cookies through your browser settings. We do not use website tracking data to make eligibility or coverage decisions.

Data Retention

We retain personal information, including health-related information, only as long as necessary to:

Fulfill the purpose for which it was collected (such as completing and servicing your enrollment)
Meet carrier, CMS, and state recordkeeping requirements (for example, call recordings related to Medicare sales are retained for a minimum of 10 years, as required by CMS)
Comply with other applicable legal, tax, or regulatory obligations

When information is no longer needed for these purposes, we take reasonable steps to securely delete or de-identify it.

Your Rights

You have the right to:

Access and review the personal information we hold about you
Request corrections to any inaccuracies in your personal information
Withdraw your consent for us to use your phone number for calls or SMS communications
Ask us questions about how your health-related information is used

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any significant changes by posting the updated policy on our website with a new effective date.

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Covered by Tara