Privacy Statement

Kentucky Health Cooperative

​​​​​​​​​​Kentucky Health Cooperative, Inc. is committed to appropriately protecting and managing any personal information you share with us on this Site. We provide this Privacy Statement to describe our online information practices and the choices you can make about the way your information is collected and used.

Personal information collected on the Kentucky Health Cooperative website will be stored and processed in the United States. By using this Site or a service offered on this Site, you consent to any such use or collection of your personal health or financial information. Kentucky Health Cooperative complies with the U.S. Commerce Department's Safe Harbor Framework and certifies its adherence to the Safe Harbor Privacy Principles. More information about the Safe Harbor Program can be found at:

What Information We Collect

This Privacy Statement applies to all personal information collected by or submitted to Kentucky Health Cooperative (or carefully selected third parties acting on Kentucky Health Cooperative’s behalf)."Personal information" is data that reasonably can be used to identify or describe an individual. You do not need to provide us with personal information simply to browse our Site.

Kentucky Health Cooperative collects personal information when:

  • you enroll in a health insurance plan;
  • you register online for seminars or special events;
  • you request customer support;
  • you create a user account (login username and password);
  • you request information or materials (e.g., whitepapers or newsletters);
  • you participate in surveys and evaluations;
  • you apply for a job or submit your resume; or
  • you submit questions or comments to us.​

The types of personal information collected may include (but are not limited to):

  • your first and last name;
  • your title and your company's name;
  • your home, billing, or other physical address (including street name, name of a city or town, state/province, postal code);
  • your email address;
  • your telephone number;
  • (for job applicants submitting electronic information) your educational background, employment experience, and job interest;
  • any other identifier that permits Kentucky Health Cooperative to make physical or online contact with you; or
  • any information that Kentucky Health Cooperative collects online from you and maintains in association with your account, such as your Kentucky Health Cooperative username and password.​

In addition, Kentucky Health Cooperative automatically gathers general statistical information about the site and visitors, such as IP addresses, browsers, pages viewed, number of visitors, goods and services purchased, etc., but in doing so, Kentucky Health Cooperative does not reference you by individual name, e-mail address, home address, or telephone number.  Kentucky Health Cooperative uses this data in the aggregate to determine how much users use parts of the Site so that Kentucky Health Cooperative can make improvement to the site.  Kentucky Health Cooperative may provide this statistical information to third parties, but when doing so Kentucky Health Cooperative does not provide personally-identifying information without your permission.

As part of Kentucky Health Cooperative's services, it uses cookies to store and sometimes track information about you.  Some features of the site may be available only through the use of a cookie.  A cookie is a small amount of data that is sent to your browser from a web server and stored on your computer's hard drive.  Generally, Kentucky Health Cooperative uses cookies to remind us who you are and to enable us to access your account information so you do not have to re-enter it, gather statistical information about usage by registered or unregistered users to research visiting patterns and to help target advertisements based on user interests, assist our retail partners to track visits and process orders, and track progress and participation in promotions and other services.  Preference and options configurations in your browser determine if and how a cookie will be accepted.  You can change those configurations on your computer if you desire.  By changing your preferences, you can accept all cookies, you can be notified when a cookie is sent, or you can reject all cookies.  If you do so and cookies are disabled, you may be required to re-enter your information more often, and certain features of our site may be unavailable.

In addition, our retail partners, advertisers, and other third parties appearing at the site or linked to the Site may use their own cookies and may collect personally-identifiable information, including credit card information, in connection with your use of their Web sites.  The privacy policy of such third parties may differ from the policy of Kentucky Health Cooperative.  We encourage you to read the third party's privacy policy before responding to the offer to determine how the personally-identifiable information is used by that third party.

How We Use Your Information

Kentucky Health Cooperative collects and uses your personal information to operate and improve its Site, to fulfill your requests for information, to enroll you in a health insurance plan or program, to process your job application, to provide you educational materials, to provide service and support, and to carry out the transactions you have requested. These uses may include providing you with more effective customer service, making the Sites or services easier to use by eliminating the need for you repeatedly to enter the same information, performing research and analysis aimed at improving our products and services, and displaying content customized to your interests and preferences.

We also use your personal information to communicate with you. We may send certain mandatory service communications such as welcome letters, billing specifics, information on technical service issues, and enrollment announcements. Some Kentucky Health Cooperative services may send periodic member letters that are considered part of the service.

Personal information collected online may be combined with information you provide Kentucky Health Cooperative in other ways, such as through new member welcome calls, flu shot reminder calls, etc.

Kentucky Health Cooperative may use your IP address to help diagnose problems with our server, to manage the Site, and to enhance the Site based on usage pattern data received by Kentucky Health Cooperative.

How We Share Your Information

Kentucky Health Cooperative keeps your personal information confidential. We will not sell, rent, or lease your personal information to others. Unless we have your permission, we will not use or share your personal information in ways unrelated to the ones described at the time you provide the data. Kentucky Health Cooperative engages service providers and suppliers ("agents") to perform certain functions on Kentucky Health Cooperative's behalf. For example, these agents may provide health insurance plan service and support, maintain Kentucky Health Cooperative information technology systems, and assist Kentucky Health Cooperative with education and outreach and communication initiatives. Those agents will be permitted to obtain only the personal information they need to perform the services. They are required to maintain the confidentiality of the information received on Kentucky Health Cooperative’s behalf and are prohibited from using it for any other purpose.

We may access and/or disclose your personal information if we believe such action is necessary to: (a) comply with law or any legal process served on Kentucky Health Cooperative, (b) comply with requests for information from police or government authorities, (c) protect and defend the rights or property of Kentucky Health Cooperative (including the enforcement of our agreements), or (d) act in urgent circumstances to protect the personal safety of Kentucky Health Cooperative employees or members of the public.

Kentucky Health Cooperative will NEVER SHARE your protected health information unless you give us written permission for either of the following:

  • marketing purposes
  • sale of your information​

Your Choices

Kentucky Health Cooperative offers you the opportunity to choose whether your personal information is (a) to be disclosed to a non-agent third party or (b) to be used for a purpose other than the purpose for which it was originally collected or subsequently authorized by you. Kentucky Health Cooperative will provide you reasonable mechanisms to exercise your choices at the data collection point or by using other methods.

These choices are not applicable to communications from Kentucky Health Cooperative primarily for the purpose of support or other administrative and transactional notices.

How You Can Keep Your Information Accurate

Kentucky Health Cooperative strives to keep your personal information accurately recorded. We have implemented technology, management processes, and policies to help maintain data accuracy. Kentucky Health Cooperative provides individuals with reasonable access to review and correct their personal information. Contact us by sending an email request to We will make reasonable efforts to make necessary corrections. To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access to or making alterations to data we maintain.

Keeping Your Personal Information Secure

To protect against unauthorized access, misuse, disclosure, or alteration of your personal information, Kentucky Health Cooperative employs appropriate physical, technical, and administrative measures. Physical security is designed to prevent unauthorized access to database equipment and hard copies of documents. Electronic security measures, such as firewalls, access restrictions, and encryption provide protection from hacking or other unauthorized access. Kentucky Health Cooperative limits access to personal information to those persons in Kentucky Health Cooperation's organization, or to agents of Kentucky Health Cooperative, who have a specific business purpose for maintaining and processing personal information and data.

To use some of Kentucky Health Cooperative's services, you may be required to set up a password-protected account or profile on our Site.  Kentucky Health Cooperative recommends that you do not divulge your password to anyone.  It is your responsibility to keep your password protected.  Kentucky Health Cooperative's personnel will never ask you for your password in an unsolicited phone call or in an unsolicited e-mail.  Remember to sign out of your account, close your browser window, and delete your temporary Internet files when you have finished your session.  This helps ensure that others cannot access your personal information and correspondence if you share a computer with someone else or are using a computer in a public place where others may have access to it.

Whenever you voluntarily disclose personal information online -- for example, on message boards, through e-mail or in chat areas -- that information can be collected and used by others.

No data transmission over the Internet or any wireless network can be guaranteed to be perfectly secure.  As a result, while we try to protect your personal information, we cannot ensure or guarantee the security of any information you transmit to us, and you do so at your own risk.

Children Under 13

Kentucky Health Cooperative has no way of distinguishing the age of individuals who access the Site, and so Kentucky Health Cooperative carries out the same Privacy Policy for individuals of all ages.  If a child has provided Kentucky Health Cooperative with personally-identifying information without parental or guardian consent, the parent or guardian should contact us to remove the information and opt out of promotional opportunities or other applicable services.


Kentucky Health Cooperative will regularly review its compliance with this Privacy Statement. Please feel free to direct any questions or concerns regarding this statement or Kentucky Health Cooperative's treatment of personal information by contacting us at the link or address indicated below. When we receive written questions and concerns at this address, it is Kentucky Health Cooperative's policy to contact the individual user regarding his or her concerns. We will investigate and attempt to resolve concerns regarding use and disclosure of personal information in accordance with the principles contained in this statement.

Any concern that cannot be resolved through our internal processes will be settled by arbitration administered by the American Arbitration Association (AAA) in accordance with its applicable commercial rules and, as applicable, the Safe Harbor Principles. The exclusive location for such arbitration shall be Louisville, Kentucky. All decisions of the arbitrator(s) will be final and binding on the parties, which waive any right to further appeal the arbitration award, to the extent an appeal may be lawfully waived. By using this Site and disclosing any personal information to Kentucky Health Cooperative, you agree to adhere to and be bound by this dispute resolution process.

Links to Other Sites

Some pages on the Kentucky Health Cooperative website may contain links to third-party websites. Kentucky Health Cooperative does not endorse and has no control over the privacy practices or content of such websites. We recommend you carefully read the privacy policies of each Site you visit.

Contacting Us

If you have comments or questions regarding this Privacy Statement, please send them to or write to us at the following address:

Kentucky Health Cooperative, Inc.
Privacy Mailbox
9700 Ormsby Station Road, Suite 100
Louisville, KY 40223

Consent and Agreement

By using the Kentucky Health Cooperative website, you signify your agreement to the terms and conditions of this Privacy Statement. If you do not agree to these terms and conditions, please do not disclose any personal information to the Kentucky Health Cooperative website.

Changes to This Statement

If we change this Statement, we will post the revised statement here, along with the date of revision. If we make significant changes to the Statement, we may also post a notice on our home page. Any changes will apply only from date of the revision. Amended dispute resolution provisions will not apply to any dispute of which the parties had actual notice as of the date of the amendment.

Posted October 1, 2013