Purpose-limited collection
We collect information needed to respond to your request, compare coverage, support enrollment, service policies, and meet legal obligations.
Privacy and data practices
Privacy Policy
This policy explains what information Lakeland Health Insurance collects, why it is used, when it may be shared, how it is protected, and the choices available to you.
Effective April 9, 2026 · Last updated
No sale of personal information
We do not sell personal information to data brokers or unrelated marketers. Service providers may process data for defined business purposes.
Independent communication choices
Phone, email, and SMS preferences are handled separately. SMS consent is not a condition of purchasing insurance and is not shared for third-party marketing.
Who we are and what this policy covers
Lakeland Health Insurance is the public-facing business name used by David Huff, a licensed Florida insurance broker (FL License #W371813; NPN 18213932), through HealthMarkets. Lakeland Health Insurance is not an insurance carrier, a government agency, or the federal Health Insurance Marketplace.
We help individuals, families, and small businesses evaluate insurance options, including ACA Marketplace, Medicare Advantage, Medicare Part D, Medicare Supplement, fixed-indemnity, dental, vision, life, and other ancillary insurance products.
This policy applies to information handled through this website, requested phone or video conversations, text messages, email, in-person meetings, enrollment support, and third-party platforms used to provide those services. David provides local assistance in Lakeland and Polk County and remote assistance across Florida. Product and plan availability still depends on ZIP code, county, eligibility, appointment or certification where applicable, and plan year.
Important distinction: General website inquiries are not secure enrollment channels. Do not send a Social Security number, Medicare ID, financial account number, or detailed medical records through a general contact form, ordinary email, or text message unless you are specifically directed to an approved secure workflow.
Medicare and TPMO notice
We do not offer every plan available in your area. Currently we represent organizations that offer products in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options.
For scheduled personal marketing appointments involving Medicare Advantage, Medicare prescription drug, or cost-plan products, CMS generally requires a documented Scope of Appointment at least 48 hours in advance. CMS rules include exceptions for inbound calls and certain unexpected attendees. When a Scope of Appointment is required, it identifies the product types authorized for discussion and does not obligate you to enroll.
Information we collect
The information collected depends on how you interact with us and which service you request.
| Contact and identity | Name, address, email address, telephone number, date of birth, household details, and identity-verification information. |
|---|---|
| Coverage and eligibility | Current coverage, requested coverage, ZIP code or county, household size, tax-filing information, estimated income, and qualifying-life-event details. |
| Health and enrollment | Doctors, prescriptions, medical needs, policy or member identifiers, and other information needed for plan comparison or enrollment. Sensitive identifiers are requested only when necessary and through an appropriate workflow. |
| Communications | Messages, call details, appointment information, communication preferences, consent records, and recordings of covered Medicare marketing, sales, or enrollment calls. |
| Website activity | IP address, approximate location, browser and device information, referring page, pages viewed, interactions, and campaign or conversion data collected through analytics and advertising technologies. |
Information from other sources
When authorized and relevant to the requested service, we may receive information from insurance carriers, HealthMarkets, CMS systems, HealthCare.gov or Marketplace systems, communication providers, scheduling tools, and other service providers. We use that information only for the applicable business, service, compliance, or enrollment purpose.
How information is used
We may use information to:
- Respond to an inquiry and provide requested insurance information.
- Compare plan availability, benefits, provider networks, formularies, eligibility, and estimated costs.
- Support applications, enrollment, renewals, policy service, and coverage changes.
- Verify identity, authorization, eligibility, and required consent.
- Schedule appointments and communicate about an active request or existing coverage.
- Maintain compliance records, prevent fraud, protect systems, and meet legal or regulatory obligations.
- Measure website performance, diagnose technical issues, and improve user experience.
- Send marketing communications through channels for which the required permission exists; each channel remains subject to its own opt-out process.
Phone, text, and email communications
Phone calls
When you request a call or separately agree to telephone contact, we may call about that request or the insurance products and services covered by your permission. Consent to marketing contact is not a condition of purchasing an insurance product. You may ask us not to call, and channel-specific consent may be revoked using the contact methods below.
Medicare call recording
CMS requires TPMOs to record Medicare marketing, sales, and enrollment calls, including the audio portion of web-based calls, in their entirety. Calls that do not involve marketing, sales, or enrollment are not subject to that CMS recording requirement. A recording disclosure is provided when applicable. Covered recordings are retained as required by CMS, the applicable plan sponsor, or other governing requirements.
Text and SMS messages
If you separately opt in to SMS, messages may concern an insurance request, appointment reminders, policy information, or other subjects described at opt-in. Message frequency varies. Message and data rates may apply. Reply STOP to opt out or HELP for assistance. SMS consent is not a condition of purchase.
Mobile information is not shared for third-party marketing: We do not sell, rent, or transfer a mobile number, SMS opt-in status, or text-messaging consent to third parties or affiliates for their own promotional or marketing purposes. Providers that help deliver or administer the SMS program may process mobile information only for those operational purposes.
Review the complete SMS Terms of Service and Privacy Policy for supported keywords, opt-out instructions, carrier disclaimers, and program-specific data practices.
Commercial email includes sender identification, a valid postal address, and an unsubscribe method as required by the CAN-SPAM Act. Requests to stop marketing email are processed within the legally required period. Transactional or relationship messages about an application, enrollment, policy, or requested service may continue when needed.
Security practices
We use administrative, technical, and physical safeguards designed for the nature of the information handled. These measures include encrypted HTTPS transmission for this website, access restrictions, secure service providers and enrollment platforms, authentication controls where available, and procedures for handling sensitive records.
No transmission, platform, or storage system can be guaranteed completely secure. If a breach involving Florida residents triggers notice obligations under the Florida Information Protection Act, notice will be provided as expeditiously as practicable and within the period required by law, subject to legally permitted delays or exceptions.
Insurance and health-related information is protected under the laws and contractual requirements that apply to the specific organization, transaction, and data. This policy does not represent that every record handled by Lakeland Health Insurance is protected health information subject to HIPAA.
Data retention
Information is kept only as long as reasonably necessary for the purposes described in this policy, including service, recordkeeping, dispute resolution, fraud prevention, contract, carrier, and legal requirements. Retention periods vary by record type:
- Medicare records: Call recordings, Scope of Appointment records, permission-to-contact documentation, and other records are retained for the period required by CMS, the applicable plan sponsor, carrier agreements, or governing rules—commonly 10 years for covered records.
- Enrollment and policy records: Retained according to carrier, regulatory, contractual, and policy-service requirements.
- Communication consent and opt-out records: Retained as needed to document permission, honor preferences, resolve disputes, and meet applicable requirements.
- Inquiry and prospect records: Retained while an inquiry is active and for a reasonable follow-up and compliance period, unless a longer period is required or a valid deletion request applies.
- Website and analytics data: Retained according to configured provider settings and legitimate measurement, security, and operational needs.
When information no longer needs to be retained, it is deleted, de-identified, or disposed of using measures appropriate to the record and system.
Your privacy choices
Depending on where you live, the information involved, and applicable exemptions, you may have rights to request access, correction, deletion, or a copy of certain personal information; opt out of certain targeted advertising or data sharing; appeal a denied request; or use an authorized agent.
You may also:
- Ask to stop marketing calls and be added to our internal do-not-call list.
- Reply STOP to opt out of SMS messages.
- Use the unsubscribe link in a marketing email.
- Revoke permission for future Medicare marketing contact, subject to communications needed for an active request or existing coverage.
- Ask questions about the categories of information maintained and the organizations involved in an authorized application or service.
Submit a privacy request
Email: dhuff@healthmarkets.com
Phone: (863) 640-3102
Use the subject line “Privacy Request” and describe the request without including sensitive identifiers.
Verification and response
We may need to verify identity and authority before acting. Requests are handled within the period required by applicable law. Some information may be retained when required for legal, carrier, enrollment, security, or recordkeeping purposes.
Children’s privacy
This website and our services are not directed to children under 13, and we do not knowingly collect personal information online directly from children under 13. Information about a dependent may be provided by a parent, guardian, or authorized applicant when needed for household eligibility, quoting, or enrollment. Contact us if you believe a child submitted information without appropriate authorization.
Third-party links and services
This website links to external services such as Medicare.gov, HealthCare.gov, carrier websites, scheduling platforms, communication providers, and social networks. Those organizations operate under their own privacy notices, security practices, and terms. Review the applicable notice before submitting information directly to a third party.
Changes to this policy
We may update this policy to reflect changes in law, technology, vendors, or business practices. The effective and last-updated dates at the top of the page identify the current version. When required, material changes will receive additional notice or renewed consent.
Contact and complaints
Lakeland Health Insurance
David Huff, Licensed Florida Insurance Broker
FL License #W371813 · NPN 18213932
dhuff@healthmarkets.com
(863) 640-3102
External complaint resources
- Florida insurance concerns: Florida Department of Financial Services, Division of Consumer Services · (877) 693-5236.
- Medicare concerns: Medicare.gov · 1-800-MEDICARE (1-800-633-4227).
- HIPAA concerns involving a HIPAA-regulated organization: HHS Office for Civil Rights.
Regulatory references
- CMS Plan Year 2027 Agent and Broker Training and Testing Guidelines
- Florida Statutes § 501.171 — Security of confidential personal information
- FTC CAN-SPAM Act compliance guide
This policy describes our practices and is not legal advice or a contract for insurance coverage.
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