TOTAL BENEFIT SOLUTIONS, INC.

We Work for Your Benefit

SMS Privacy Policy, Security & HIPAA Compliance Statement

Effective Date: June 1, 2026

1. Overview

Total Benefit Solutions, Inc. (“TBS,” “we,” “our,” or “us”) is committed to protecting your privacy and maintaining the confidentiality and security of your personal and health-related information.

This policy explains how we collect, use, and safeguard your information when you opt in to receive SMS (text) communications, including messages sent via secure platforms such as Microsoft Teams SMS.

Message frequency may vary based on your interactions and service needs.

2. Information We Collect

  • Mobile phone number
  • Name (if provided)
  • Message content and communication history
  • Interaction data (opt-in/opt-out status)

In certain cases, communications may involve Protected Health Information (PHI) as defined under HIPAA.

Opt-In Methods:

You may opt in to receive SMS messages by submitting a website form, providing written or documented verbal consent, or by initiating communication with Total Benefit Solutions, Inc. and requesting a response via text message. All opt-in methods are recorded and maintained in accordance with applicable regulatory requirements.

3. How We Use Your Information

  • Respond to inquiries and service requests
  • Provide benefit and insurance-related information
  • Deliver Medicare-related educational information (upon request)
  • Send appointment reminders and updates
  • Maintain consent and communication records

Important:

  • SMS is informational and service-related only
  • We do not complete enrollments or applications via SMS

4. HIPAA Privacy & Security Compliance

Use and Disclosure of PHI

We use and disclose Protected Health Information only as permitted by HIPAA, including for treatment, payment, healthcare operations, and client-requested services.

Minimum Necessary Standard

We limit PHI use to the minimum necessary to accomplish the intended purpose.

Safeguards

  • Administrative: Training, policies, access controls
  • Technical: Encryption, secure systems, authentication
  • Physical: Controlled access and secure storage

SMS & HIPAA Considerations

SMS messaging is not always a fully secure communication method. By opting in, you acknowledge and accept these risks. TBS limits PHI shared via SMS and uses more secure channels when appropriate.

5. Medicare Compliance Notice

  • No unsolicited Medicare marketing messages
  • Plan discussions occur only after appropriate consent
  • SMS is not a full description of plan options
  • Submission does not constitute enrollment

For Medicare information:

Visit Medicare.gov
Call 1-800-MEDICARE

6. Sharing of Information

We do not sell, rent, or share your personal information or SMS opt-in data for marketing purposes.

We may share information with trusted service providers for:

  • Delivering SMS communications
  • System operations
  • Legal/compliance purposes

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, no system is completely secure.

8. Data Retention

Information is retained only as long as necessary to provide services and meet legal and regulatory requirements.

9. Your Rights & SMS Opt-Out

  • Reply STOP to opt out at any time
  • Reply HELP for assistance
  • Call (215) 355-2121

After opting out, you will receive a confirmation message and no further texts unless you re-enroll.

10. Message & Data Rates

Message and data rates may apply. Wireless carriers are not responsible for delayed or undelivered messages.

11. Children’s Privacy

Services are intended for individuals 18 and older. We do not knowingly collect data from minors.

12. Policy Updates

We may update this policy periodically. Continued use of SMS services indicates acceptance of updates.

13. Contact Information

Total Benefit Solutions, Inc.
Phone: (215) 355-2121
Website: www.totalbenefits.net
Location: Feasterville, Pennsylvania

HIPAA Notice of Privacy Practices

Our Commitment

We protect your Protected Health Information (PHI) in accordance with HIPAA Privacy and Security Rules.

Your Rights

  • Access your health information
  • Request corrections
  • Request restrictions on use
  • Request confidential communications
  • Request disclosure history
  • File a complaint without retaliation

Our Responsibilities

  • Maintain privacy and security of your PHI
  • Provide notice of privacy practices
  • Notify you of breaches when required
  • Follow all stated policies

File a Complaint

U.S. Department of Health and Human Services (HHS)
Office for Civil Rights

SMS Communication Consent

By providing your mobile phone number and opting in, you agree to receive SMS messages from Total Benefit Solutions, Inc. related to your inquiry or services.

  • Message frequency may vary
  • Message and data rates may apply
  • Reply STOP to opt out
  • Reply HELP for assistance

Your consent is not a condition of purchase or enrollment.

HIPAA & Medicare Disclosure

SMS may not be fully secure and may include limited personal information. We limit sensitive data shared via SMS and follow HIPAA safeguards.

We do not send unsolicited Medicare marketing messages. Participation does not constitute Medicare plan enrollment.

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