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Our Q1Medicare Online Privacy Statement

Our Privacy Policy
Updated: Thursday, December 1, 2022

Thank you for visiting our Q1Medicare.com website.

At Q1Group LLC, our goal is to provide you with the best online experience possible and your trust is key to our success.

Accordingly, your privacy and the protection of your personal data is very important to us.

We want our Q1Medicare.com site to easily serve your needs and, in certain areas of our site, you may be able to provide personal data (such as an email address) to receive an electronic copy of the online Medicare Part D or Medicare Advantage plan information or prescription drug information that you are viewing, to ask us a question, to subscribe to our free Newsletter, or to subscribe to our annual Reminder Service.

We will only use the data that you provide to us for the purpose related to the request - such as sending plan information, answering questions, or sending our Newsletter.

We do not sell or rent or distribute your personal data (including your name or your email address) to anyone - unless required to do so by law.

Questions? If you have any questions about our Privacy Policy or how your data is used within any Q1Group site, please:
  • send us an email at: Team@q1group.com
  • or send us a letter: Q1Group LLC P.O. Box 840007, Saint Augustine, Florida 32080-0007
Changes to Our Privacy Policy: We may change our Privacy Policy from time to time, and we encourage you to return here on occasion so that you can keep current with changes to our Privacy Policy. The new Privacy Policy will be effective when posted online.

Site Use and Our Privacy Policy: If you do not agree with our Q1Group Privacy Policy, you should immediately stop the use of our Q1Medicare.com site. By continuing to access or make use of our Q1Medicare.com site, you agree to be bound by the Q1Group Privacy Policy.

Updated: This policy was updated on December 22, 2019 (in response to the California Consumer Privacy Act - CCPA (https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180AB375). And this privacy policy was modified on May 14, 2018 (in response to the European Union's General Data Protection Regulation - GDPR (www.eugdpr.org/gdpr-faqs.html) and other legal authority).
A note on the California Consumer Privacy Act of 2018 (CCPA)

As per the CCPA (Cal. Civ. Code Section 1798.140 definition of "business"), Q1Group LLC provides free online educational resources on all of our websites, including Q1Medicare.com. Our annual revenues are below the 25 million dollar per year CCPA threshold, and we do not buy, receive, or share any personal user information for commercial purposes or otherwise. (As reference, please see the CCPA text (as amended) at: https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180AB375.) However, regardless of your state of residency, we will remove any personal data from our database in response to a legitimate data-removal email request to team@q1group.com. Please refer to the section below "Protecting Your Data and Your Data Choices" should you wish to remove your information from our database.

Our Use of Cookies

A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed. Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

Cookies may be used for the following purposes:

(a) advertising - our advertisers may use cookies to help display advertisements that will be relevant to you; and

(b) analysis - we use cookies to help us to analyze the use and performance of our website and services;

We use Google Analytics to analyze the use of our website. Google Analytics gathers information about website use by means of cookies. The information gathered relating to our website is used to create reports about the use of our website. Google's privacy policy is available at: www.google.com/policies/privacy/

Most browsers allow you to refuse to accept cookies and to delete cookies. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:

(a) https://support.google.com/chrome/answer/95647?hl=en (Chrome);

(b) https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences (Firefox);

(c) http://www.opera.com/help/tutorials/security/cookies/ (Opera);

(d) https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);

(e) https://support.apple.com/en-gb/guide/safari/sfri11471/mac (Safari); and

(f) https://privacy.microsoft.com/en-us/windows-10-microsoft-edge-and-privacy (Edge).

Please note that blocking cookies may have a negative impact on the functions of many websites, including our Site. Some features of the Site may cease to be available to you.

Data We Collect and How the Data is Used

  • Anonymous data. You do not need to provide any data to visit or browse our Q1Medicare.com site. As you move through our site, we may collect anonymous data about browsing patterns and use of the website - however, you will remain anonymous. We use general or anonymous browsing data to improve the online experience and to enhance our online offerings (for example, we may see that more people are now browsing with their mobile devices and work to further optimize our page content for mobile devices). General browsing data is summarized on an aggregate basis and may include the type of browser (such as, Firefox, Chrome, Edge, or Safari), technology platform (such as, mobile, tablet, or PC), or preferred languages used by our site visitors.

  • Personal data. When you submit an email address to us or ask to join our Newsletter, we will use this data to process your request (for example, to send you an email of the page you are viewing, to answer your question, or to send you a Newsletter). However, your email or other personal data will remain protected under the terms of this Privacy Policy (that is, not shared with anyone). As we mention in more detail below in "Data Included When Submitting a Question to Us directly or through our Help Desk", when you submit a question to us you may include your name, Medicare plan name, medication, and where you live. This data is only used to answer your question.

  • Third-Party Sites. Our Q1Medicare.com site may contain links to other websites (such as to a specific Medicare plan provider's site). Please note that when you click on one of these links you are being re-directed from our site to another company's website. When you leave our Q1Medicare.com site, we are not responsible for the privacy practices or the content shown on these other websites - these websites are not subject to our Privacy Policy. Please be sure to read the privacy policies applying to these other websites to learn about their privacy practices.

    When you participate in various social media forums like Facebook, Twitter, Yammer, Pinterest, Instagram, LinkedIn, etc., you should be familiar with and understand the tools provided by those sites that allow you to make choices about how you share the personal data in your social media profile(s).

  • Children's Privacy. Our Q1Medicare.com site is dedicated to issues related to people over 65 or people who are eligible for Medicare and we do not knowingly collect personal data from children under 16 - even when Medicare eligible.

  • Site Users Outside of the United States. Our Q1Medicare.com site is operated in the United States for the benefit of people who are eligible for the Medicare program provided by the United States government. If you are located in the European Union or elsewhere outside of the United States, please be aware that any data you provided to us will be transferred to the United States. By using Q1Medicare.com or providing us with your data, you consent to this data transfer.

  • Data Disclosure Required by Law. As noted above, we reserve the right to disclose your personal data as required by law - or to comply with a judicial proceeding, court order, or legal process.

A note on personal data from EEA (European Economic Area) residents

We may collect your email address, but only if you voluntarily provide it to us. This may occur, for example, if you sign up to receive an email newsletter, or ask a question. If you have provided your email address to us, we use your email address only for the purposes for which it is provided (for example, to answer your question or send you our newsletter or reminder email). We will not use your email address to contact you for unrelated reasons.

Additional Rights of EEA (European Economic Area) Residents

If you are a resident of a country in the EEA, you have the rights, among others, to:

(i) access your personal data

(ii) ensure the accuracy of your personal data

(iii) the right to have us delete your personal data

(iv) the right to restrict further processing of your personal data, and

(v) the right to complain to a supervisory authority in your country of residence in the event that data is misused

If you believe that our processing of your personal information infringes data protection laws, you have a legal right to lodge a complaint with a supervisory authority responsible for data protection. You may do so in the EU member state of your residence, your place of work or the place of the alleged infringement.

You may exercise any of your rights in relation to your personal data by contacting us:
  • send us an email at: team@q1group.com
  • or send us a letter: Q1Group LLC P.O. Box 840007, Saint Augustine, Florida 32080-0007
  • or call: 904.461.8994

Data Included When Submitting a Question to Us

When you submit a question to our Help Desk you will receive a confirmation of the question, including the original question text, to the email address supplied. We will make every effort to answer your question and will respond to the email address provided. When you submit a question to us you should provide only data relevant to your question. This may include your Medicare plan name, medication, location (city, state or ZIP), and/or other data that would be necessary to answer your question. (We do not need your birth date (unless you have a question about enrollment periods), your Medicare number, your MBI, or your Social Security number. Remember, we are not Medicare and we cannot access any of your personal information.) We usually only need basic Medicare plan information only to answer your question. If you do not provide specific data about where you live, then we will randomly choose a location (usually Saint Johns County, Florida) and provide instructions how you can learn more about your coverage in your particular area. If we cannot find your referenced medication, we will try to find an alternate spelling or use an example medication (however, we are not pharmacists). Please note that we find that many people have similar questions during certain times of year and so we may write a Frequently Asked Question, online article, or Newsletter article about the topic of a particularly important question. However, should we write about a question you may have submitted, your personal data will be removed. To ensure anonymity, when necessary, we will change the facts of the question before publication.

Protecting Your Data and Your Data Choices

  • Data Security over the Internet. We strive to implement commercially reasonable technology to protect the data you submit and guard against unauthorized system access. When you submit a request through Q1Medicare.com, your personal data is transmitted via Secure Socket Layer (SSL) technology. However, regardless of these efforts, no data transmission over the Internet can be guaranteed to be 100% secure.

  • Data Security and Storage. Your personal data is stored on a secure server and is only accessible to a limited number of persons who have special access rights to such systems, and are required to keep the data confidential.

  • Unsubscribing from our Newsletter. As noted on every copy of our Newsletter, we do not send unsolicited emails, but sometimes people mistype their email address when subscribing and an unintended subscription arises. When you sign up for our Newsletter, we will send you a confirmation email that also provides information on how to "unsubscribe" from our Newsletter. If you no longer wish to receive our Medicare Part D Newsletter, simply reply to the Newsletter with “unsubscribe” in the subject line of your email or send an email to Team@Q1Group.com with the email address used to receive the Newsletter.

  • Unsubscribing from our annual Reminder Service. If you have subscribed to our annual Reminder Service, and no longer wish to receive these emails, you can respond to the email with "unsubscribe" in subject line or send an email to Team@Q1Group.com with the email address used to receive the Reminder Service email. The Reminder Service ends every year on December 8th and you must sign up again to receive the Reminder Service for the following year.

  • Removal of your Personal Data. When you use our site, you do so anonymously. We do not ask you to register as a site user, so there is no profile (personal data) that you can access, change, or delete. If you would like us to remove all data associated with your email address, please send an email to team@q1group.com or the physical address above and include your name, state, ZIP code, email address used on our Q1Medicare.com site, and a brief explanation of who you are and what you are requesting. We will require you to verify or validate your identity by sending a return email with additional questions. We will respond to your request in English. We will retain a record of your removal request to verify the fulfillment of your request.

A Few Words About Advertising

This Site is affiliated with CMI Marketing, Inc., d/b/a CafeMedia ("CafeMedia") for the purposes of placing advertising on the Site, and CafeMedia will collect and use certain data for advertising purposes. To learn more about CafeMedia’s data usage, go to https://www.cafemedia.com/publisher-advertising-privacy-policy.

A Few Words About Google Advertising

Often our sites offer Google Advertising to users. These ads are chosen by Google based on the content of our web pages and advertisers can specify to place their Google ads on our site. Google controls the algorithm that selects the ads. In the past, these ads where chosen based on ad targeted keywords matching words within the page content. The assumption being that ads with the same target keywords would be of interest to the reader.

Google, in an effort to improve the user experience, chose to alter this algorithm. Google will not only supply ads based on target keywords, but also based on the interests of the person reading the page. Google states, "Interest-based advertising will allow advertisers to show ads based on a user's previous interactions with them, such as visits to advertiser website and also to reach users based on their interests (e.g. "sports enthusiast"). To develop interest categories, we [Google] will recognize the types of web pages users visit throughout the Google content network. As an example, if they visit a number of sports pages, we will add them to the "sports enthusiast" interest category."

Read more about how Google manages data in its ads products.

What does this mean to the people like you?
We, and Google, hope that you will see advertisements on our Q1Medicare.com pages that you find interesting and relevant.

How will Google do this?
Google, as a third party vendor, uses cookies to serve ads on our Sites. Google's use of the DART cookie enables it to serve ads to you based on your visit to our Site and other sites on the Internet. Remember, a cookie is not a program, it cannot hurt your computer. The DART cookie simply stores a piece of information which can only be used by Google.

Can I Opt-out of interest-based ads?
Yes, you may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy. This means that Google will NOT store the cookie on your machine and will not create interest categories for you.

Can I control my interests?
Yes, you can create and manage your Google interest profile online by altering your http://www.google.com/ads/preferences. You can also opt-in or opt-out on the ad preferences page.

Sale of Business or Assets

In the event that the Site or substantially all of its assets is sold or disposed of as a going concern, whether by merger, sale of assets or otherwise, or in the event of an insolvency, bankruptcy or receivership, the information we have collected about you may be one of the assets sold or merged in connection with that transaction.

Do you have a question about our Privacy Policy?

If you would like to contact us and/or ask questions about our Privacy Policy, please use the link below that will take you to our Help Desk.

Tips & Disclaimers
  • Q1Medicare®, Q1Rx®, and Q1Group® are registered Service Marks of Q1Group LLC and may not be used in any advertising, publicity, or for commercial purposes without the express authorization of Q1Group.
  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
  • Medicare has neither reviewed nor endorsed the information on our site.
  • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
  • We are an independent education, research, and technology company. We are not affiliated with any Medicare plan, plan carrier, healthcare provider, or insurance company. We are not compensated for Medicare plan enrollments. We do not sell leads or share your personal information.
  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDPCompare.com and MACompare.com provide highlights of annual plan benefit changes.
  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
  • Limitations, copayments, and restrictions may apply.
  • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
    Statement required by Medicare:
    "We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options."
  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.