Quikcard Solutions Inc. ("Quikcard" "we" "us" and "our") designs and administers dental, medical, prescription drug, and vision care plans ("health care spending accounts" or "plans") that are an alternative to traditional group health insurance. We provide these services to employers across the country from our head office in Edmonton, Alberta and through an office located in Bedford, Nova Scotia. Quikcard also provides administrative services in support of government and private health insurance and benefit providers. As such, the collection, use and disclosure of personal information is a critical part of Quikcard's business.
In the course of its business, Quikcard collects, uses, retains and in some instances when required, discloses personal information about individuals. Typically the individuals about whom we collect information are either: (i) plan participants; (ii) one or more members of a plan participant's family; (iii) health care practitioners who provide services that are covered by the plans we administer; and (iv) principals in a business who have retained us to administer a plan established for the benefit of the business' employees.
Why We Collect and Use Personal Information
We collect, use and disclose personal information primarily for benefit administration purposes and also for optional marketing purposes. Collectively we refer to the benefit administration purposes and the optional marketing purposes as the "purposes".
Benefit Administration Purposes
Benefit administration purposes include:
- processing enrolment in a plan;
- processing a claim for reimbursement under a plan;
- integrating benefits with another benefit plan administered or provided by another organization; and
- investigating, preventing and deterring abuse and fraud.
Benefit administration purposes may also include:
- assessing the reputation and credit-worthiness of an organization (including its principals) seeking to do business with us; and
- debt collection and enforcement.
Subject to legal and contractual restrictions an individual may decline to consent, or revoke his or her consent, to the collection, use and disclosure of personal information for these benefit administration purposes but in that case we may decline to process claims for plan benefits.
Optional Marketing Purposes
From time to time, subject to any legal and contractual restrictions, we may also collect, use and disclose basic information about an individual, such as their contact information, to offer or inform individuals of upgraded or additional products and services (the "marketing purposes").
These marketing purposes are entirely optional and any individual who does not wish us to collect, use or disclose their personal information for these optional marketing purposes may contact us as indicated in the section below - Contacting the Quikcard Privacy Officer. An individual's preference in this regard does not affect our administration of covered benefits and claims.
How We Obtain Consent
At Quikcard we obtain consent from individuals for the collection, use and disclosure of their personal information, unless inappropriate.
We try to obtain consent to the collection, use and disclosure of personal information directly from the individual to whom information relates. However, when a claim for reimbursement under a plan is made by a participant in connection with services provided to a family member we may have to rely on the plan participant to provide consent on behalf of such family member. When a participant gives consent, whether express or implied, on behalf of a family member, the participant is presumed to act on behalf of, and is representing that he or she has the authority to act on behalf of, the family member.
Collection, Use, Disclosure of Personal Information
We collect information from and about participants and family members for benefit administration and marketing purposes. For benefit administration purposes we also collect information from other sources, such as, health care professionals, facilities and providers, other private and government benefit plan administrators and insurers and employers and we also disclose information to these other sources for benefit administration purposes.
We also provide aggregated data about claims and plan performance to those employers and organizations who retain us to provide administrative services. However, we do not provide employee specific information, like a diagnosis or claim details, to employers.
The plans we administer often extend to both a participant and one or more family members. Accordingly, it is a reality of our business that participants and family members may have access to some information about each other when they submit or seek information about a claim or request access to information we hold about them. The consent of participants and family members to this sharing of personal information, to the extent necessary for benefit administration purposes, or to respond to a request for access, is implied as a consequence of enrolment or submission of a claim.
We also share information to combat and deter fraud and abuse, when permitted or required by law; or at the request of governmental authorities.
Safeguarding Personal Information
We restrict access to personal information to those of our employees, authorized administrators, and consultants who need to know that information for legitimate business purposes. We protect personal information by applying physical security measures and barriers to our premises, by adopting policies and procedures to protect information, and technologically, where appropriate, by the use of security measures, including passwords, encryption, firewalls and other software security solutions. Please review our Internet Security Statement for information about the security steps we have taken.
In many cases our benefits administration platform is software supported and Internet-based. The Internet is not an entirely secure medium where absolute security can be guaranteed. Individuals acknowledge the reality of this risk and agree to accept it when they enroll in a plan or submit a claim.
The Personal Information We Retain
Access to Information
With satisfactory identification and proof of entitlement, an individual may request to access and, if applicable, request that we correct, personal information about them in our possession.
An individual must make this request in writing. Requests should be directed to our Chief Privacy Officer as indicated in the section below - Contacting the Quikcard Privacy Officer.
Individuals should be aware that the right to access the personal information we hold about them is not absolute. For example there is no right to access and we may decline a request for access, if the information requested is subject to a legal privilege.
We do not provide personal health information directly to individuals unless the individual provided it directly to us. Instead we provide access to personal health information through the individual's health care professional.
We may charge a reasonable fee in advance for copying and sending information requested and to which there is a right of access.
Contacting the Quikcard Privacy Officer.
If an individual:
- Wishes to request access to or a correction of personal information; or
The Chief Privacy Officer
Quikcard Solutions Inc.
200 Quikcard Centre
17010 103 Avenue
Edmonton, AB T5S 1K7
Or Call Toll Free: (800) 232-1997