Privacy Policy

New Gen Health Solutions LLC ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, submit a form, or otherwise interact with our agency and its licensed agents.

1. About Us

New Gen Health Solutions LLC is a licensed independent insurance agency (Agency NPN: 21313049) headquartered in Mt. Laurel, New Jersey, with licensed agents operating across more than 20 states. We assist consumers with Medicare Advantage, Medicare Supplement, Affordable Care Act (ACA) marketplace plans through state-based exchanges, and under-65 off-exchange health insurance products.

2. Information We Collect

We may collect the following categories of personal information:

• Name, email address, phone number, mailing address, date of birth, and state of residence
• Health coverage interests, current coverage status, and household information relevant to plan eligibility
• Medicare eligibility information such as Medicare Beneficiary Identifier (MBI), Part A and Part B effective dates, and enrollment period eligibility
• Income and household size information necessary for ACA subsidy determination
• SMS and messaging consent status
• Call recordings and transcripts collected during agent-assisted enrollment calls, as permitted by applicable law and with appropriate disclosure
• IP address, browser type, device information, and website usage data collected automatically

3. How We Use Your Information

We use the information we collect to:

• Contact you with personalized health insurance plan options
• Facilitate enrollment in health insurance plans through licensed carriers and state-based exchanges
• Record and review calls for quality assurance, agent training, and regulatory compliance purposes
• Send non-marketing SMS messages regarding appointment reminders, quote follow-ups, enrollment status updates, and service notifications
• Send marketing SMS messages regarding special offers, discounts, and service updates if you have opted in
• Comply with applicable federal, state, and CMS (Centers for Medicare & Medicaid Services) regulatory requirements
• Improve our services, website experience, and internal operations

4. SMS Messaging

By submitting our intake form and checking the applicable consent checkbox(es), you may agree to receive non-marketing text messages (regarding appointment reminders, quote follow-ups, enrollment status updates, and service notifications) and/or marketing text messages (regarding special offers, discounts, and service updates) from New Gen Health Solutions LLC at the phone number provided.

Message frequency varies. Message and data rates may apply.

To opt out of SMS messages at any time, reply STOP. For help, reply HELP, or contact us at [email protected] or (856) 630-6302.

SMS consent is not a condition of purchasing any product or service from New Gen Health Solutions LLC. Consent checkboxes are always optional and are never pre-selected.

Carriers are not liable for delayed or undelivered messages.

5. Call Recording

Calls with our licensed agents may be recorded for quality assurance and compliance purposes. You will be notified at the beginning of any recorded call. Recordings are stored securely and retained in accordance with CMS guidelines and applicable state law. You may request deletion of your call recordings by contacting us at the information below, subject to any regulatory retention requirements.

6. Sharing of Information

We do not sell, rent, or share your personal information with third-party data brokers or lead aggregators. We may share your information with:

• Licensed insurance carriers and their authorized representatives for the purpose of providing you with plan options and processing enrollments
• Government and regulatory agencies, including CMS, as required by law
• SMS and communication platform providers necessary to deliver messages (subcontractors in support services)
• Business operations service providers who assist in operating our business, under confidentiality obligations

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal and regulatory obligations (including CMS record retention requirements), and resolve disputes. Call recordings are retained in accordance with applicable CMS and state regulations.

8. Your Rights

Depending on your state of residence, you may have rights to access, correct, or delete your personal information. Residents of states with comprehensive privacy laws (such as New Jersey, Virginia, and others) may have additional rights including the right to opt out of certain data processing activities. To exercise these rights, contact us at the information below.

9. Cookies and Tracking

Our website may use cookies and similar tracking technologies to improve functionality, analyze usage, and support advertising campaigns. You may disable cookies through your browser settings or manage ad preferences through the relevant platform's settings.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.

11. Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, use, or disclosure. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this page periodically.

13. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about your personal information, contact us at: