CENTRAL RESERVE LIFE INSURANCE COMPANY	CONTINENTAL GENERAL INSURANCE COMPANY	PROVIDENT AMERICAN LIFE AND HEALTH INSURANCE COMPANY

PRIVACY NOTICE AND NOTICE OF INSURANCE INFORMATION PRACTICES

THIS NOTICE DESCRIBES HOW MEDICAL AND FINANCIAL INFORMATION ABOUT YOU MAY BE
USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE
REVIEW IT CAREFULLY.

We are required by law to maintain the privacy of your Personal Information (PI), which consists of medical and financial information, and to provide you with this Notice of our legal duties and our privacy and information practices. This Notice is designed to inform you of the types of PI we collect and how we protect, use and disclose your PI.

We must abide by the terms of this Notice, which is effective July 1, 2006. We are required to provide this Notice at least once each year. We reserve the right to change the terms of this Notice and to make any new Notice provisions effective for all PI that we maintain. We will notify you within 60 days if we make any material change to our privacy and information practices as outlined in this Notice. Any future Notices will be sent by U.S. mail to your last-known address.

How We Collect Information:
We collect PI from you or anyone you have authorized to disclose your PI. PI is obtained from your application for insurance, from other related forms or through a phone call with you. We may also obtain PI from: your agent; physicians; hospitals or other medical personnel; your employer; other transactions with our company or our affiliates; other insurers; and the Medical Information Bureau or other consumerreporting agencies. PI collected may relate to your: personal characteristics; employment; health; avocations; finances; account information; salary; and transactions with us or our affiliates. The PI we collect may include your: name; address; Social Security Number; phone number; date of birth; medical and family history; dependent information; other insurance benefits and premium; claim data; or any similar information.

How We Protect Collected Information:
We maintain physical, electronic and procedural safeguards to protect the PI we have about you. These safeguards help us to prevent unauthorized access to your PI. We train all employees on our privacy practices and the importance of safeguarding your PI.

How We Use and Disclose Collected Information:
We do not use or disclose PI to affiliates or non-affiliates outside of what is permitted by law. We use and disclose only the minimum PI necessary for us to conduct or service our business. PI may be used or disclosed during the insurance-application process, while you are insured, or after your insurance terminates. The following categories describe different ways that we use and disclose PI. Not every use or disclosure in a category is listed. However, all of the ways we are permitted or required to use and disclose your PI fall within one of these categories. Unless otherwise indicated or prohibited by law, these uses and disclosures do not require your authorization.

Treatment, Payment and Health-Care Operations
We may use and/or disclose your PI as follows:

• To help manage your health care, for purposes such as talking to your provider to suggest a disease management or wellness program;
• For payment purposes, such as verifying benefits with your provider to help pay your medical bills;
• For claims adjusters, to process your claims;
• For underwriters, to evaluate your request for insurance;
• For consultants, third-party administrators, provider networks and healthcare clearinghouses, to assist us in our business;
• To your employer, if you receive health benefits through an employer-sponsored plan, for purposes such as reporting claims experience or auditing;
• To affiliates, whose only use of the PI is in connection with an audit of the company or agent; or
• With your authorization, in connection with an insurance-support organization. If a report is required, you may ask to be interviewed and request to receive a copy of the report. The PI obtained may be kept by the organization and disclosed to others.

Business Associates
We may disclose your PI to your agent or our other business associates to help us conduct our business. All business associates with whom we share PI enter into a written agreement to maintain the same high standards of privacy and confidentiality that we require of our own employees and affiliates.

Other Uses and Disclosures
We are permitted or required by law to make certain other uses and disclosures of your PI. Although we do not expect to use or disclose your PI for most of the purposes listed below, the law requires that this Notice list each of the uses and disclosures that we are permitted or required to make. We may:

• Disclose PI to public-health or legal authorities charged with preventing or controlling disease, injury or disability;
• Use or disclose PI to respond to a court order or subpoena;
• Disclose PI to state and federal agencies, such as the U.S. Department of Health and Human Services and state insurance departments, as required;
• Use or disclose PI to avert a serious threat to health or safety;
• Disclose PI to law-enforcement authorities for purposes such as locating a suspect or missing person;
• Disclose PI to a government agency if we suspect child abuse, neglect or domestic violence;
• Use or disclose PI if you are a member of the military, as required by the armed services, or disclose PI for other specialized government activities, such as national security and intelligence;
• Disclose PI to workers’ compensation agencies for purposes such as job-related injuries;
• Disclose PI to an oversight agency, if authorized by law, for purposes such as audits or investigations;
• Disclose PI to a funeral director, coroner or medical examiner to carry out their duties consistent with the law;
• Disclose PI to law-enforcement authorities, another insurer, insurance-support organization, agent or self-insurer, to detect or prevent criminal activity or fraud;
• Use or disclose PI to conduct audits and actuarial or underwriting studies;
• Use or disclose PI to contact you with information about alternative medical treatments and programs or about health-related products and services in which you may be interested;
• Use or disclose PI for the purpose of organ and tissue donation or transplant;
• Use or disclose PI for research purposes, but only as permitted by law;
• Under certain circumstances, disclose your relevant PI to an individual involved with your care, or the payment of your care; or
• Use or disclose PI for any purpose permitted or required by law.

We do not disclose PI subject to the Fair Credit Reporting Act, except as permitted or required by law. Additionally, uses and disclosures of your PI may be expanded, prohibited or materially limited by other applicable federal or state law.

Marketing Communications
We will not use or disclose your health information for marketing purposes, except for: face-to-face communications; identifying individuals who would receive a promotional gift of nominal value; or for marketing our health-plan products and services to you. 

We may disclose to our business associates a policy number, access number or access code for use in telemarketing, direct-mail marketing, or other marketing through electronic mail to market our products or services, as long as our business associates are not authorized to directly initiate charges to the account. We may also disclose this information to our agents for marketing our own products and services.

We may disclose other collected financial information (as described in “How We Collect Information”) to business associates who perform marketing services on our behalf or to other financial institutions with whom we have a joint marketing agreement. We may also disclose collected financial information relating to our own transactions or experience to an affiliate for marketing purposes. The law does not allow you to restrict this disclosure.

When required by law, we will give you the opportunity to opt out of the disclosures of your PI for marketing purposes. We do not make disclosures of PI to any other entity that may want to sell their products or services to you.

Your Authorization
Except as outlined above, we will not use or disclose your PI unless you have signed a form authorizing the use or disclosure. You have the right to revoke that authorization, in writing, except to the extent that we have taken action in reliance upon the authorization. You may revoke an authorization at any time upon submission of written notice to the Home Office.

Your Rights:
You have the right to request, in writing, restrictions on certain uses and disclosures of your health information. We are not always required to agree to the restriction you have requested. You may make a request for a restriction (or termination of an existing restriction) by writing to our Privacy Officer at the address below.

You have the right to request, in writing, to receive your health information through a reasonable alternative means or location. We are required to accommodate reasonable requests if you inform us that disclosure of all, or part, of your information could place you in danger. Requests for confidential communications must be in writing, signed by you or your representative, and sent to our Privacy Officer at the address below.

You have the right to request an accounting of certain disclosures of health information. To be considered, your accounting request must be in writing and signed by you or your representative. Accounting-request forms are available from us at the address below. The first accounting in any 12-month period is free; however, we may charge a fee for each subsequent accounting you request within the same 12-month period.

You have the right of access to certain PI maintained by our company. To be considered, your access request must be in writing and signed by you or your representative. Access-request forms are available from us at the address below. We may charge a reasonable fee for this service. You may ask us to correct or change our records regarding your PI by submitting a written request, to include the reason for the change. If we agree, we will make the correction or change. If we do not agree, you may submit a short statement of dispute, which we will include in any future disclosure of the disputed information. Further information regarding access and amendment to your PI can be requested from our Privacy Officer.

You may request a copy of our Privacy Notice and Notice of Insurance Information Practices at any time.

Contacts and Complaints
For further information, or to submit a complaint, about this Privacy Notice and Notice of Insurance Information Practices and how we handle your PI, you may contact our Privacy Officer by calling 1-866-459-4272 or through the mail at PO Box 26580, Austin, TX 78755-0580. You will not be retaliated against for filing a complaint.

Your privacy-related complaints regarding health information may also be directed to the Secretary at the U.S. Department of Health and Human Services.

AEF-0520 REV 04/25/06