Office Hours
9:00 AM - 5:00 PM
Our Location
Dacula, GA
Call Us Now
770-314-7648
Privacy Policy
Protecting your private information is our priority. This Statement of Privacy applies to
Frankly-Health.com
, and Frankly Health and FRANK AMATO INSURANCE GROUP and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Frankly Health include
Frankly-Health.com
and
http://Frankly-Health.com
and FRANK AMATO INSURANCE GROUP. The Frankly Health website is a educational approach to health and life insurance site. By using the Frankly-Health website, you consent to the data practices described in this statement.
Collection of your Personal Information
In order to better provide you with products and services offered, Frankly-Health may collect personally identifiable information, such as your:
– First and Last Name
– Mailing Address
– E-mail Address
– Phone Number
Frankly-Health may also collect anonymous demographic information, which is not unique to you, such as your:
– Age
– Gender
– Household Income
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include: (a) registering for an account; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.
Use of your Personal Information
Frankly-Health collects and uses your personal information to operate and deliver the services you have requested.
Frankly-Health may also use your personally identifiable information to inform you of other products or services available from Frankly-Health and its affiliates.
Sharing Information with Third Parties
Frankly-Health may sell, rent, or lease customer information to third parties for the following reasons:
I help individuals, families, small businesses, and employees navigate health and life insurance policies.
frankly-Health may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Frankly-Health, and they are required to maintain the confidentiality of your information.
Frankly-Health may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Frankly-Health or the site; (b) protect and defend the rights or property of Frankly-Health; and/or (c) act under exigent circumstances to protect the personal safety of users of Frankly-Health, or the public.
Opt-Out of Sale of Personal Information to Third Parties
In connection with any personal information we may sell to a third party for a business purpose, you have the right to know:
The categories of personal information about you that we sold and the categories of third parties to whom the personal information was sold.
You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt-out of the sale of your personal information. If you exercise your right to opt-out of the sale of your personal information, we will refrain from selling your personal information, unless you subsequently provide express authorization for the sale of your personal information. To opt-out of the sale of your personal information, visit this Web page _________________.
Tracking User Behavior
Frankly-Health may keep track of the websites and pages our users visit within Frankly-Health, in order to determine what Frankly-Health services are the most popular. This data is used to deliver customized content and advertising within frankly-Health to customers whose behavior indicates that they are interested in a particular subject area.
_________________
Automatically Collected Information
Information about your computer hardware and software may be automatically collected by Frankly-Health. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the frankly-Health website.
Use of Cookies
The frankly-Health website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize frankly-Health pages, or register with Frankly-Health site or services, a cookie helps Frankly-Health to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Frankly-Health website, the information you previously provided can be retrieved, so you can easily use the Frankly-Health features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Frankly-Health services or websites you visit.
Links
This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of any other site that collects personally identifiable information.
Right to Deletion
Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:
Delete your personal information from our records; and
Direct any service providers to delete your personal information from their records.
Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:
Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
Debug to identify and repair errors that impair existing intended functionality;
Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
Comply with the California Electronic Communications Privacy Act;
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
Comply with an existing legal obligation; or
Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
Children Under Thirteen
Frankly-Health does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.
E-mail Communications
From time to time, Frankly-Health may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Frankly-Health or click on a link therein.
If you would like to stop receiving marketing or promotional communications via email from Frankly-Health, you may opt out of such communications by “replying STOP” or “replying STOP”.
External Data Storage Sites
We may store your data on servers provided by third party hosting vendors with whom we have contracted.
Changes to this Statement
Frankly-Health reserves the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our website, and/or by updating any privacy information. Your continued use of the website and/or Services available after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy; and (b) agreement to abide and be bound by that Policy.
Contact Information
Frankly-Health welcomes your questions or comments regarding this Statement of Privacy. If you believe that Frankly-Health has not adhered to this Statement, please contact Frankly-Health at:
Frankly-Health
425 Beckenham Walk Dr
Dacula Ga 30019
Email Address:
Telephone number:
+1 (770) 314 7648
Effective as of April 21, 2022
Reviews
Simmons Law Cleveland OH
★★★★★
Our Law Practice recently experienced a significant 45% rate increase for an EPO plan without preventative coverage. This led to exorbitant premiums and a decrease in participation from 25 to 9 participants. Thanks to Frankly Health, we were able to reduce our rates by 36% before the rate increases. We greatly appreciate the exceptional benefits and PPO networks provided by Frankly Health, as well as their availability to answer calls day or night,
Jace White Atlanta GA
★★★★★
Not sure if it's appropriate, but I have to mention how incredibly helpful Frank was. My son was diagnosed with autism and Frank, who also has an autistic child, guided me through the IEP process. He connected me with a Parent advocate without trying to sell me anything. I'm grateful for his honesty and integrity. God bless him.
Frequently Asked Questions
SMALL BUSINESS FAQ
OUR HIGH CLAIMS MAKES OUR RATES HIGH?
We regularly solve this common issue with our comprehensive plans for cancer, MS, surgeries, and expensive RX claims. Our goal is to find the best plan for each team member's unique situation, saving money for the company and employees. We also prevent one employee's unfortunate circumstances from affecting their colleagues' rates.
ARE SMALL GROUP PLAN FROM MARKETPLACE BEST?
Small business marketplace plans often come with exorbitant costs and inadequate coverage. These plans typically offer subpar benefits, such as 50% coinsurance for most services, limited networks, high deductibles, high maximum out-of-pocket expenses, and most importantly, they are extremely expensive. Our aim is to find guaranteed renewable plans that eliminate the need for yearly shopping. For those who are better off on the marketplace, that's where they should remain. But we can show how to save on marketplace plans as well
WE JUST RENEWED OUR PLAN SO I GUESS WE ARE STUCK
Actually, the outcome depends on the tax structure. For example, if healthcare expenses are paid after taxes, we can increase the benefits the next month. If there is no minimum participant requirement in your plan, we can reduce it to one user and notify the other employees. There are many other ways to address this issue.
MARKETPLACE IS NOT AN OPTION OPEN ENROLLMENT IS CLOSED
Actually, if we were to substitute the employer plan, it would result in a special enrollment period, thereby granting access to all available options, including the marketplace.
INDIVIDUAL | FAMILY FAQ
ISN'T MY EMPLOYER PLAN THE BEST OPTION?
Employer plans are frequently expensive and provide unsatisfactory benefits. Without Frankly Health managing the benefits, you would end up contributing towards others' claims in the group. For instance, a 32-year-old male with High Blood Pressure and Hypothyroidism would pay $45 per week for a comprehensive plan with no annual deductible, no copay, including preventative, MD Live, accident protection, Hospital confinement protection, and critical illness protection.
I ALREADY PICKED A MARKETPLACE PLAN SO I CAN'T CHANGE
Actually you can change your marketplace plan at anytime. We would shop options and get our approval before making the change in benefits. Then you can start saving and getting better benefits.
WHAT IS THE DIFFERENCE BETWEEN NETWORKS?
Preferred Provider Organization (PPO): A type of health plan where you pay less if you use providers in the plan’s network. You can use doctors, hospitals, and providers outside of the network without a referral for an additional cost.
Point of Service (POS): A type of plan where you pay less if you use doctors, hospitals, and other health care providers that belong to the plan’s network. POS plans require you to get a referral from your primary care doctor in order to see a specialist.
Health Maintenance Organization (HMO): A type of health insurance plan that usually limits coverage to care from doctors who work for or contract with the HMO. It generally won't cover out-of-network care except in an emergency. An HMO may require you to live or work in its service area to be eligible for coverage. HMOs often provide integrated care and focus on prevention and wellness
Exclusive Provider Organization (EPO): A managed care plan where services are covered only if you use doctors, specialists, or hospitals in the plan’s network (except in an emergency).
(Healthcare.gov 1/15/2024- Source)
MARKETPLACE WILL BE CHEAPER BECAUSE OF THE SUBSIDY
Actually marketplace plans can cost 75% more for similar coverage elsewhere. So if you get $100 subsidy every month but your plans rate is $525 originally and we can replace your plan with a $179 a month plan that has no copays for services and doesn't have a $9100 deductible and 50% coinsurance
MARKETPLACE PLAN IS GREAT COVERAGE
Most are very surprised. It may but lets actually open the plan details and compare your benefits. Most people are surprised to find they have to pay 50% of the bill even after paying s high deductible.
I HAVE VERY EXPENSIVE MEDICATION SO I NEED MARKETPLACE
Actually, being enrolled in a subsidized plan disqualifies you from numerous savings on costly medications. Frequently, you can obtain more affordable and superior coverage outside the Marketplace. Consequently, you become eligible to receive those expensive medications at no cost or have them delivered for $100-400 annually.
MARKETPLACE PLANS PROTECT BEST FOR HOSPITALIZATIONS
Actually most people are surprised when we read the details. We have plans that offer 3k Max out of Pocket protection But marketplace after paying your High Deductible you could have a $2000 Emergency Room COPAY, $3,000 a per DAY COPAY or 50% Co-insurance
I HAVE SHORT_TERM COVERAGE BUT ITS GOOD FOR 3 YEARS
In those three years, you might lose eligibility for significantly improved coverage. Short-term plans won't be renewable after April 2024 due to alterations in insurance legislation.
We offer plans with a $2,500 deductible, a maximum out-of-pocket expense of $4,500, and first-dollar benefits that are guaranteed until the age of 65. Frequently, this PPO plan has a similar or lower premium cost.
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