Privacy Policy

Effective Date: July 28, 2026
Last Updated: August 31, 2026

National Choice Health Plans is owned and operated by KMG Ventures LLC.

KMG Ventures LLC, operating under the National Choice Health Plans brand (“National Choice,” “we,” “us,” or “our”), is committed to respecting your privacy and protecting the personal information you share with us.

This Privacy Policy explains how KMG Ventures LLC collects, uses, discloses, and protects information obtained through NationalChoiceHealthPlans.com, related webpages, online forms, telephone calls, text messages, emails, and other interactions with National Choice Health Plans.

By using our website or providing information to us, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

The information we collect depends on how you interact with us and the services you request.

Contact and Identification Information

We may collect:

• Name

• Email address

• Telephone number

• Mailing address

• ZIP code

• State of residence

• Preferred method of communication

Household and Eligibility Information

To help determine what health benefit options may be available, we may collect:

• Age or date of birth

• Marital status

• Household size

• Information about a spouse or dependents

• Employment or self-employment status

• Current benefit or coverage information

• Requested effective date

• Budget and benefit preferences

When you provide information concerning a spouse, dependent, or other person, you represent that you are authorized to provide that information.

Health and Medical Information

When reasonably necessary to review eligibility or available benefits, we may collect information such as:

• General health history

• Medical conditions or diagnoses

• Prescription medications

• Recent treatments, procedures, or hospitalizations

• Tobacco use

• Pregnancy status

• Preferred doctors, hospitals, or healthcare facilities

• Other information relevant to eligibility, underwriting, or benefit selection

We ask that you provide only the information reasonably necessary for the requested benefits review.

Communications and Enrollment Information

We may collect:

• Information provided during calls, texts, emails, or appointments

• Notes relating to your questions, needs, and preferences

• Appointment and follow-up information

• Applications, authorizations, acknowledgments, and enrollment records

• Records of communications and consent

Calls may be recorded or monitored where permitted by law and after any legally required notice or consent.

Website and Device Information

When you visit our website, we or our service providers may automatically collect:

• IP address

• Browser and device type

• Operating system

• Pages viewed

• Referring website

• Date, time, and duration of visits

• Approximate location derived from an IP address

• Cookie identifiers and similar online activity information

2. How We Collect Information

We may collect information:

• Directly from you through forms, calls, texts, emails, or appointments

• From a spouse, parent, guardian, or authorized representative

• Automatically through cookies and similar technologies

• From referral partners or lead providers when permitted by law

• From benefit administrators, enrollment platforms, or service providers involved in a transaction you requested

• From publicly available or legally permitted sources

3. How We Use Information

We may use personal information to:

• Respond to inquiries and schedule benefit reviews

• Learn about your household, budget, medical needs, and benefit priorities

• Determine what benefit packages you may be eligible to consider

• Compare available benefits, provider access, member costs, exclusions, and limitations

• Check provider or prescription information

• Assist with applications, eligibility reviews, underwriting, or enrollment when you request it

• Communicate with you regarding appointments, applications, enrollment, or service matters

• Provide customer service and respond to questions

• Maintain records and comply with legal, regulatory, contractual, licensing, and compliance obligations

• Prevent fraud, misuse, security incidents, or unlawful activity

• Improve our website, services, communications, and user experience

• Send marketing communications where permitted by law and consistent with your communication preferences

We do not use health information to create advertising profiles or target advertising based on a person’s medical condition, diagnosis, medications, or treatment history.

4. How We Disclose Information

We may disclose information only as reasonably necessary for the purposes described in this Privacy Policy.

Benefit and Enrollment Organizations

At your request or as reasonably necessary to evaluate or complete an application, information may be disclosed to:

• Benefit program administrators

• Insurance carriers and related administrators

• Plan sponsors

• Third-party administrators

• Underwriting or eligibility organizations

• Enrollment platforms

• Provider-network or prescription-search services

• Other organizations involved in offering or administering the benefit package you are considering

We will not submit an application or enrollment request without your direction or authorization.

Service Providers

We may disclose information to companies that perform services for KMG Ventures LLC or National Choice Health Plans, including providers of:

• Website hosting and maintenance

• Customer relationship management systems

• Scheduling and communications

• Email and text-message delivery

• Data storage and security

• Analytics

• Compliance and recordkeeping

• Professional, legal, accounting, and technology services

These providers are permitted to use information only for authorized services or as otherwise allowed by law.

Legal and Safety Purposes

We may disclose information when reasonably necessary to:

• Comply with a law, subpoena, court order, regulatory inquiry, or other legal process

• Protect our rights, customers, personnel, systems, or property

• Prevent or investigate fraud, security incidents, or illegal activity

• Enforce our agreements

• Respond to an emergency involving health or safety

Business Transactions

Information may be transferred as part of a merger, acquisition, financing, restructuring, sale of assets, transfer of ownership, or similar business transaction, subject to applicable privacy requirements.

5. Sale and Advertising Use of Information

We do not sell personal information or consumer health information for money.

We do not sell, rent, or disclose mobile telephone information or text-message consent records to third parties for their independent marketing or promotional purposes.

We do not disclose health or eligibility information for cross-context behavioral advertising or targeted advertising.

We may use analytics or advertising technologies that receive limited online identifiers, such as cookie IDs, IP addresses, device information, or website activity. These technologies are not intended to receive information entered into health-history, eligibility, application, or enrollment fields.

Where applicable law treats certain cookie-based disclosures as a “sale,” “sharing,” or targeted advertising, you may exercise an applicable opt-out request using our cookie controls or by contacting us.

6. Consumer Health Data

Where applicable law defines information we collect as “consumer health data,” we collect and use that information only as reasonably necessary to:

• Provide the benefit review or service you requested

• Evaluate possible eligibility

• Compare health benefit options

• Assist with underwriting, enrollment, or administration

• Communicate with you about your request

• Maintain security and prevent fraud

• Comply with applicable law and regulatory requirements

Consumer health data may come directly from you, your authorized representative, your device, or organizations assisting with a transaction you requested.

We may disclose consumer health data to the organizations identified in Section 4 only when reasonably necessary to provide the requested service, complete a transaction, comply with law, or when otherwise authorized by you.

We do not sell consumer health data.

Where required by law, you may have the right to request access, correction, deletion, withdrawal of consent, or a list of certain third parties or affiliates that received your consumer health data.

7. Cookies and Similar Technologies

Our website may use cookies, pixels, tags, and similar technologies to:

• Keep the website functioning properly

• Remember preferences

• Understand website usage

• Measure website and advertising performance

• Prevent fraud and improve security

You may adjust cookie preferences through any cookie-management tool provided on the website or through your browser settings. Blocking cookies may affect some website functions.

Where required by applicable law, we process legally recognized browser-based opt-out preference signals, such as Global Privacy Control, for applicable sales, sharing, or targeted-advertising activities.

8. Telephone, Text, and Email Communications

When you provide a telephone number or email address, you may receive communications relating to your inquiry, appointment, benefits review, application, enrollment, customer service, or other services you requested.

Where you separately consent to marketing communications, we may also contact you regarding products, services, or available benefit options.

Consent to receive marketing calls or text messages is not a condition of purchasing or enrolling in any benefit package.

You may:

• Reply STOP to stop text messages

• Reply HELP for text-message assistance

• Use the unsubscribe link provided in marketing emails

• Ask us during a call to update your communication preferences

• Contact us using the information provided in Section 17

Message and data rates may apply. Message frequency may vary.

Telephone numbers, text-message opt-in information, and consent records will not be shared with third parties or affiliates for their independent marketing or promotional purposes.

Information may be provided to telecommunications, software, and messaging providers solely as reasonably necessary to deliver communications you requested or authorized.

9. Data Retention

We retain information only for as long as reasonably necessary to:

• Provide requested services

• Maintain application, enrollment, and communication records

• Meet legal, regulatory, contractual, licensing, and compliance requirements

• Resolve disputes

• Prevent fraud

• Protect our legal rights

Retention periods may vary based on the nature of the information, whether you enrolled in a benefit package, applicable legal requirements, and the purpose for which the information was collected.

When information is no longer reasonably necessary, we may delete, anonymize, aggregate, or securely dispose of it.

10. Information Security

KMG Ventures LLC uses reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

These safeguards may include access controls, authentication measures, secure systems, staff training, vendor controls, and encryption where appropriate.

However, no website, transmission method, storage system, or security measure can be guaranteed to be completely secure.

Please do not send Social Security numbers, financial account information, complete medical records, or other highly sensitive documents through ordinary email or an unsecured website field unless you are specifically instructed to use an approved secure method.

11. HIPAA and Medical Care

KMG Ventures LLC, through National Choice Health Plans, is not a healthcare provider and does not provide medical advice, diagnosis, or treatment.

HIPAA applies only in circumstances involving an organization that qualifies as a HIPAA-covered entity or business associate.

Information submitted directly through the National Choice Health Plans website is not automatically protected health information under HIPAA merely because it concerns health or medical matters.

Information may become subject to HIPAA or another privacy law after it is received by a benefit program, insurance carrier, plan administrator, healthcare provider, or other organization legally subject to those requirements.

12. Your Privacy Rights

Depending on your state of residence and applicable law, you may have the right to request:

• Confirmation of whether we process your information

• Access to personal information we maintain about you

• Correction of inaccurate information

• Deletion of information

• A portable copy of certain information

• A list of categories of information collected, used, or disclosed

• Withdrawal of consent for certain processing

• Opt-out of sale, sharing, targeted advertising, or certain profiling

• Limitation of certain uses of sensitive information

• Appeal of a denied privacy request

We will not unlawfully discriminate against you for exercising an applicable privacy right.

To submit a request, contact us using the information in Section 17.

We may need to verify your identity before completing your request. An authorized agent may submit a request where permitted by law, but we may require reasonable proof of authorization and identity verification.

13. California Privacy Disclosures

If the California Consumer Privacy Act or other applicable California privacy law applies to KMG Ventures LLC, California residents may have rights to know, access, correct, delete, and obtain information concerning the collection and disclosure of their personal information.

During the preceding 12 months, we may have collected the categories of personal information described in Section 1, from the sources described in Section 2, and used or disclosed that information for the purposes described in Sections 3 and 4.

We do not knowingly sell or share the personal information of consumers under 16 years of age.

California residents may submit a request using the contact information below.

Where required, we will recognize applicable opt-out preference signals and provide any legally required “Do Not Sell or Share My Personal Information” mechanism.

14. Children and Dependent Information

Our website and services are directed to adults.

We do not knowingly collect personal information directly from children under 13.

A parent, legal guardian, or authorized adult may provide limited information about a dependent child when reasonably necessary to evaluate household benefits.

If you believe a child has directly submitted information without appropriate authorization, please contact us so we can review and delete the information where required.

15. Third-Party Websites and Services

Our website may contain links to benefit administrators, insurance carriers, provider networks, scheduling platforms, social-media services, enrollment systems, or other third-party websites and services.

KMG Ventures LLC does not control the privacy, security, or data-handling practices of those third parties.

When you visit or provide information through a third-party website, platform, or system, that third party’s privacy policy and terms may apply.

16. Changes to This Privacy Policy

We may update this Privacy Policy as our business, services, technology, vendors, or legal obligations change.

When changes are made, we will update the “Last Updated” date at the top of this policy.

Material changes may be communicated through the website or by other appropriate means where required.

17. Contact Us

Questions, concerns, or privacy requests may be directed to:

KMG Ventures LLC
Owner and Operator of National Choice Health Plans

National Choice Health Plans
Mailing Address: 1200 Lake St Louis PKWY, Lake St Louis, MO 63367
Email: [email protected]
Telephone: 314.246.9425