UMHCS and the UMHCS logo are registered trademarks of UMHCS, Inc. and may not be used without written permission. UMHCS does not replace the existing primary care physician relationship. UMHCS operates subject to state regulation and may not be available in certain states. Medical services rendered by your physician are subject to their professional judgment. UMHCS is not responsible for, and expressly disclaims all liability for, damages of any kind arising out of use, reference to, or reliance on any information contained within the site. While the information contained within the site is periodically updated, no guarantee is given that the information provided in this Web site is complete, and up-to-date. The appearance on the Web site of advertisements and product or service information does not constitute an endorsement by UMHCS. Product information is based solely on material received from suppliers.

These terms and conditions of use govern your use of our online interfaces and properties (e.g., websites and mobile applications) owned and controlled by UMHCS, INC., including the website (the “Site”) and the services available to users through the site. Your compliance with these Terms of Use is a condition to your use of the site. If you do not agree to be bound by the Terms of Use, promptly exit the UMHCS site. Please also consult our Privacy Policy for a description of our privacy practices and policies, including how we collect and handle your personal health information and financial information.

Ownership of The Site and Related Materials

All pages within this site and any material made available for download are the property of UMHCS, or its licensors or suppliers, as applicable. The site is protected by United States and international copyright and trademark laws.

Electronic Communications

When you use any UMHCS service, or send e-mails, text messages, and other communications from your desktop or mobile device to us, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that (a) all agreements and consents can be signed electronically and (b) all notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such notices and other communications be in writing.

Site Access, Security and Restrictions; Passwords

If you create a subscriber account for the UMHCS site, you agree to complete the registration process by providing current, complete, and accurate information as required by UMHCS. You are responsible for all activities that occur under your account. In the event access to the site or a portion thereof is limited requiring a user ID and password (“Protected Areas”), you agree to access Protected Areas using only your user ID and password as provided to you by UMHCS. You agree to protect the confidentiality of your user ID and password, and not to share or disclose your user ID or password to any third party. You agree that you are fully responsible for all activity occurring under your user ID. Your access to the site may be revoked by UMHCS at any time with or without cause. You are prohibited from violating or attempting to violate the security of the site, including, without limitation, (a) accessing data not intended for such user or logging onto a server or an account which the user is not authorized to access; or (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; or (c) accessing or using the site or any portion thereof without authorization, in violation of these Terms of Use or in violation of applicable law.

If you are under 18, you may use the UMHCS services only with involvement of a parent or guardian. You may not use any scraper, crawler, spider, robot or other automated means of any kind to access or copy data on the site, deep-link to any feature or content on the site, bypass our robot exclusion headers or other measures we may use to prevent or restrict access to the site. Violations of system or network security may result in civil or criminal liability. UMHCS will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this site or any activity being conducted on this site.

Accuracy and Integrity of Information

Although UMHCS attempts to ensure the integrity and accurateness of the site, it makes no representations, warranties or guarantees whatsoever as to the correctness or accuracy of the site and content thereon. It is possible that the site could include typographical errors, inaccuracies or other errors, and that unauthorized additions, deletions and alterations could be made to the site by third parties. In the event that an inaccuracy arises, please inform UMHCS so that it can be corrected. Information contained on the site may be changed or updated without notice. Additionally, UMHCS shall have no responsibility or liability for information or content posted to the site from any non-UMHCS affiliated third party.

Links to Other Sites

UMHCS makes no representations whatsoever about any other website that you may access through this site. When you access a non-UMHCS site, please understand that it is independent from UMHCS, and that UMHCS has no control over the content on that website. In addition, a link to a non-UMHCS website does not mean that UMHCS endorses or accepts any responsibility for the content, or the use, of the linked site. It is up to you to take precautions to ensure that whatever you select for your use or download is free of such items as viruses, worms, Trojan horses, and other items of a destructive nature. If you decide to access any of the third party sites linked to this site, you do this entirely at your own risk.

User Information

If you submit, upload, post or transmit any health information, medical history, conditions, problems, symptoms, personal information, consent forms, agreements, requests, comments, ideas, suggestions, information, files, videos, images or other materials to us or our site, you agree not to provide any User Information that (1) is false, inaccurate, defamatory, abusive, libelous, unlawful, obscene, threatening, harassing, fraudulent, pornographic, or harmful, or that could encourage criminal or unethical behavior, (2) violates or infringes the privacy, copyright, trademark, trade dress, trade secrets or intellectual property rights of any person or entity, or (3) contains or transmits a virus or any other harmful component. You agree not to contact other site users through unsolicited e-mail, telephone calls, mailings or any other method of communication. You represent and warrant to UMHCS and its providers that you have the legal right and authorization to provide all User Information to UMHCS and its providers for use as set forth herein and required by UMHCS and the provider.

Claims of Copyright Infringement

We disclaim any responsibility or liability for copyrighted materials posted on our site. If you believe that your work has been copied in a manner that constitutes copyright infringement, please follow the procedures set forth below. UMHCS respects the intellectual property rights of others and expects its users to do the same. In accordance with the Digital Millennium Copyright Act (“DMCA”), we will respond promptly to notices of alleged infringement that are reported to UMHCS’s Designated Copyright Agent.

Disclaimer of Warranties

UMHCS does not warrant that access to or use of the site will be uninterrupted or error-free or that defects in the site will be corrected. This site, including any content or information contained within it or any site-related service, is provided “as is,” with all faults, with no representations or warranties of any kind, either expressed or implied, including, but not limited to, the implied warranties of merchantability, fitness for a purpose, quality of information, quiet enjoyment, and title/non-infringement. UMHCS does not warrant the accuracy, completeness or timeliness of the information obtained through the site. You assume total responsibility and risk for your use of this site, site-related services, and linked websites.

Limitation of Liability Regarding Use of Site

UMHCS and any third parties mentioned on this site are neither responsible nor liable for any direct, indirect, incidental, consequential, special, exemplary, punitive, or other damages whatsoever (including, without limitation, those resulting from lost profits, lost data, or business interruption) arising out of or relating in any way to the site, site-related services, content or information contained within the site, and/or any linked website, whether based on warranty, contract, tort, or any other legal theory and whether or not advised of the possibility of such damages. Your sole remedy for dissatisfaction with the site, site-related services, and/or linked websites is to stop using the site and/or those services.

Dispute Resolution

UMHCS will try to work in good faith to resolve any issue you have with site, including services ordered or purchased through the site, if you bring that issue to the attention of our customer service department. However, we realize that there may be rare cases where we may not be able to resolve an issue to a customer’s satisfaction. In the event, we cannot resolve a dispute between us, you agree that all matters related to any use or access of the site, the services or any other UMHCS site will be governed by the laws of the State of Maryland, without regard to its conflicts of laws rules. You hereby waive any objections to such jurisdiction or venue.

Force Majeure

We will not be deemed to be in breach of these terms or liable for any breach of these terms or our privacy policy due to any event or occurrence beyond our reasonable control, including without limitation, acts of God, terrorism, war, invasion, failures of any public networks, electrical shortages, earthquakes or floods, civil disorder, strikes, fire or other disaster.


You agree to defend, indemnify and hold UMHCS harmless from and against all third party claims, damages and expenses (including reasonable attorneys’ fees) against or incurred by UMHCS arising out of your breach of these Terms of Use or violation of applicable law, or access by anyone accessing the site using your user ID and password. Notwithstanding the foregoing or anything to the contrary herein, UMHCS shall only exercise its rights in this section after addressing applicable claims with your employer or health plan should you be accessing the site or services through your employer or health plan.

Right to Modify Revisions; General

UMHCS reserves the right to modify these Terms of Use at any time, effective upon posting. Any use of this website after such changes will be deemed an acceptance of those changes. You agree to review the Terms of Use each time you access this website so that you may be aware of any changes to these Terms. UMHCS uses Google Analytics, a third-party tracking service, which uses cookies to track non-personal identifiable information about our visitors to our main site in the aggregate to capture usage and volume statistics. UMHCS has no access to or control over these cookies. In the event that any of the Terms of Use are held by a court or other tribunal of competent jurisdiction to be unenforceable, such provisions shall be limited or eliminated to the minimum extent necessary so that these Terms of Use shall otherwise remain in full force and effect.

UMHCS, Inc. operates the website located at , other related websites and mobile applications (collectively, the “Site”). Through these sites, we operate various online services that enable members to receive healthcare. This Online Privacy Policy explains UMHCS’s privacy practices that apply to the services we provide through our sites.


Please read the Privacy Policy carefully so that you can understand how UMHCS collects, uses, and discloses information from and/or about you when you use the site or the services. This Privacy Policy is a part of the UMHCS Terms of Use so by accepting the Terms of Use, you are consenting to the use and disclosure of your personal information as outlined in this Privacy Policy. If you do not understand any aspect of our Privacy Policy, please feel free to contact using the information found at the end of the Privacy Policy.

UMHCS’s Commitment to Your Privacy

UMHCS is dedicated to maintaining the privacy of your protected health information (PHI). PHI is information about you that may be used to identify you (such as your name, social security number or address), and that relates to (a) your past, present or future physical or mental health or condition, (b) the provision of healthcare to you, or (c) your past, present, or future payment for the provision of healthcare. In conducting its business, UMHCS will receive and create records containing your PHI. UMHCS is required by law to maintain the privacy of your PHI and to provide you with notice of its legal duties and privacy practices with respect to your PHI.

UMHCS must abide by the terms of this notice while it is in effect. UMHCS reserves the right to change the terms of this notice at any time, if the changes are in compliance with applicable law. If UMHCS changes the terms of this notice, the new terms will apply to all PHI that it maintains, including PHI that was created or received before such changes were made. If UMHCS changes this notice, it will post the new notice on its web site and will make the new notice available upon request.

Uses and Disclosures of Your Protected Health Information (PHI)


UMHCS may use and disclose your PHI in the following ways:


  1. Treatment, Payment and Healthcare Operations – UMHCS is permitted to use and disclose your PHI for purposes of treatment payment, and healthcare operations
  2. Authorization – UMHCS is permitted to use and disclose your PHI upon your written authorization, to the extent such use or disclosure is consistent with your authorization. You may revoke any such authorization at any time.
  3. As Required by Law UMHCS may use and disclose your PHI to the extent required by law.
  4. UMHCS may use or disclose your PHI to improve the services offered – by performing quality reviews and similar activities.
  5. UMHCS may use or disclose your PHI to create De-Identified Information such as aggregate statistics relating to the use of the service.
  6. UMHCS may use or disclose your PHI to notify you when site updates are available.
  7. UMHCS may use or disclose your PHI to fulfill any other purpose for which you provide us personal information or for any other purpose for which you give us authorization.

Special Circumstances

The following categories describe unique circumstances in which UMHCS may use or disclose your PHI:

  1. Public Health Activities – UMHCS may disclose your PHI to public health authorities or other governmental authorities for purposes including preventing and controlling disease, reporting child abuse or neglect, reporting domestic violence and reporting to the Food and Drug Administration regarding the quality, safety and effectiveness of a regulated product or activity. UMHCS may, in certain circumstances disclose PHI to persons who have been exposed to a communicable disease or may otherwise be at risk of contracting or spreading a disease or condition.
  2. Health Oversight Activities – UMHCS may disclose your PHI to a health oversight agency for authorized activities such as audits, investigations, inspections, licensing and disciplinary actions relating to the healthcare system or government benefit programs.
  3. Judicial and Administrative Proceedings – UMHCS may disclose your PHI, in certain circumstances, as permitted by applicable law, in response to an order from a court or administrative agency, or in response to a subpoena or discovery request.
  4. Law Enforcement – UMHCS may, under certain circumstances, disclose your PHI to a law enforcement official, such as for purposes of identifying or locating a suspect, fugitive, material witness or missing person.
  5. Decedents – UMHCS may, under certain circumstances, disclose PHI to coroners, medical examiners and funeral directors for purposes such as identification, determining the cause of death and fulfilling duties relating to decedents.
  6. Organ Procurement – UMHCS may, under certain circumstances, use or disclose PHI for the purposes of organ donation and transplantation.
  7. Research – UMHCS may, under certain circumstances, use or disclose PHI that is necessary for research purposes.
  8. Threat to Health or Safety – UMHCS may, under certain circumstances, use or disclose PHI if necessary to prevent or lessen a serious and imminent threat to the health or safety of a person or the public.
  9. Specialized Government Functions – UMHCS, may in certain situations, use and disclose PHI of persons who are, or were, in the Armed Forces for purposes such as ensuring proper execution of a military mission or determining entitlement to benefits. UMHCS may also disclose PHI to federal officials for intelligence and national security purposes.

Your Rights Regarding Your Protected Health Information (PHI)


You have the following rights regarding the PHI maintained by UMHCS:

Confidential Communication

You have the right to receive confidential communications of your PHI. You may request that UMHCS communicate with you through alternate means or at an alternate location, and UMHCS will accommodate your reasonable requests. You must submit your request in writing to UMHCS by emailing us


You have the right to request restrictions on certain uses and disclosures of PHI for treatment, payment or healthcare operations. You also have the right to request that UMHCS restrict its disclosures of PHI to only certain individuals involved in your care or the payment of your care. You must submit your request in writing to UMHCS by emailing us at UMHCS is not required to comply with your request. However, if UMHCS agrees to comply with your request, it will be bound by such agreement, except when otherwise required by law or in the event of an emergency.

Inspection and Copies

You have the right to inspect and copy your PHI. You must submit your request by sending an email UMHCS may impose a fee for the costs of copying, mailing, labor and supplies associated with your request. UMHCS may deny your request to inspect and/or copy your PHI in certain limited circumstances. If that occurs, UMHCS will inform you of the reason for the denial, and you may request a review of the denial.


You have a right to request that UMHCS amend your PHI if you believe it is incorrect or incomplete, and you may request an amendment for as long as the information is maintained by UMHCS. You must submit your request in writing to UMHCS at and provide a reason to support the requested amendment.

Accounting of Disclosures

You have a right to receive an accounting of all disclosures UMHCS has made of your PHI. However, that right does not include disclosures made for treatment, payment or healthcare operations, disclosures made to you about your treatment, disclosures made pursuant to an authorization, and certain other disclosures. You must submit your request in writing to UMHCS and you must specify the time involved (which must be for a period less than six years from the date of the disclosure).

Breach Notification

You have the right to be notified if UMHCS (or a UMHCS Business Associate) discovers a breach of unsecured PHI.

Deletion of Information


You can close your online account by emailing us at If you close your account, we will no longer use your online account information or share it with third parties. We may, however, retain a copy of the information for archival purposes, and to avoid identity theft or fraud.

Report Violations

You should report any security violations to us by sending an email to


You may complain to UMHCS and to the Secretary of the Department of Health and Human Services if you believe that your privacy rights have been violated. To file a complaint with UMHCS, you must submit a statement in writing to UMHCS: 1231 Tech Court, Westminster, MD 21157. UMHCS will not retaliate against you for filing a complaint.

Information we Collect via technology

As you use the site or the service, certain information may be passively collected by Cookies, navigational data like Uniform Resource Locators (URLs) and third party tracking services, including:

  1. Site Activity Information: We may keep track of some of the actions you take on the site, such as the content of searches you perform on the Site.
  2. Access Device and Browser Information: When you access the site from a computer or other device, we may collect anonymous information from that device, such as your Internet protocol address, browser type, connection speed and access times.
  3. Cookies: A cookie is a small file containing a string of characters that is sent to your computer when you visit a website. When you visit the site again, the cookie allows that site to recognize your browser. Cookies may store unique identifiers, user preferences and other information. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent.
  4. Google Analytics: We use Google Analytics to help analyze how users use the site. Google Analytics use Cookies to collect information such as how often users visit the site, what pages they visit, and what other sites they used prior to coming to the site. We use the information we get from Google Analytics only to improve our site and services. Google Analytics collects only the IP address assigned to you on the date you visit the site, rather than your name or other personally identifying information. Security of Information Collected

We use industry standard physical, technical and administrative security measures and safeguards to protect the confidentiality and security of your Personal Information. Specifically, the site is protected by SSL 3.0 technology, the leading security protocol for data transfer on the Internet. However, since the Internet is not a 100% secure environment, we cannot guarantee, ensure, or warrant the security of any information you transmit to us. There is no guarantee that information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards. Even though there are many benefits to using this site, as with all electronic communications there are some risks such as (i) failure of hardware, software and/or Internet connections; we are not responsible for failures, distortions, delays, or other problems resulting from equipment configuration, connection, signal power, hardware, software or any equipment used to access the internet, This could result in your data becoming lost or intercepted during transmission. It is your responsibility to protect the security of your login information and to use good judgment before deciding to send information via the internet.

A Special Note about Children and Minors

UMHCS does not knowingly allow individuals under the age of 18 to create fully functional accounts that allow full access to our site or use the services. If you are below the age of 18, your access to this site is very limited.

Other Applicable Law


California Residents have special protections under state law regarding the access and use of personal information. CA Civil Code Sec. 1798.80-1978.84.

Questions and How to Contact Us


If you have any questions, concerns, complaints or suggestions regarding our Privacy Policy or otherwise need to contact us, please email us at, or contact us in writing to the following address:



Attn: Legal Department

1231 Tech Court

Westminster, MD 21157

Purpose: This Privacy Practices Notice presents the information about our health information privacy practices that we are required to give our enrollees by the Privacy Rule, 45 C.F.R. § 164.520.


Applicability: This Privacy Practices Notice needs to be customized to match the privacy practices of the particular health plan product to which it applies. For example, UMHCS may need different notice content when enrollees’ protected health information is disclosed to the employer or other sponsor of a group health plan we insure or administer, then the content for a notice for a group health plan whose sponsor receives no protected health information.

State and Other Law: UMHCS must check applicable state and other privacy laws that may apply to the product or plan to determine if they provide greater privacy protections or rights than the Privacy Rule. If so, our notice for the product or plan must reflect those greater protections or rights.



Summary of Our Privacy Practices


UMHCS may use and disclose your protected health information (“medical information”), without your permission, for treatment, payment, and health care operations activities. UMHCS may use and disclose your medical information, without your permission, when required or authorized by law for public health activities, law enforcement, judicial and administrative proceedings, research, and certain other public benefit functions. UMHCS may disclose your medical information to your family members, friends, and others you involve in your care or payment for your health care. UMHCS may disclose your medical information to appropriate public and private agencies in disaster relief situations. UMHCS may disclose to your employer whether you are enrolled or unenrolled in the health plans it sponsors. UMHCS may disclose summary health information to your employer for certain limited purposes. UMHCS may disclose your medical information to your employer to administer your group health plan if your employer explains the limitations on its use and disclosure of your medical information in the plan document for your group health plan.


Except for certain legally-approved uses and disclosures, UMHCS will not otherwise use or disclose your medical information without your written authorization. You have the right to examine and receive a copy of your medical information. You have the right to receive an accounting of certain disclosures we may make of your medical information. You have the right to request that we amend, further restrict use and disclosure of, or communicate in confidence with you about your medical information. You have the right to receive notice of breaches of your unsecured medical information.


Please review this entire notice for details about the uses and disclosures we may make of your medical information, about your rights and how to exercise them, and about complaints regarding or additional information about our privacy practice.


For more information about our privacy practices, to discuss questions or concerns, or to get additional copies of this notice, please contact our office at the following address:

UMHCS support your right to the privacy of your medical information. We will not retaliate in any way if you choose to file a complaint with us or with the U.S. Department of Health and Human Services.



Attn: Legal Department

1231 Tech Court

Westminster, MD 21157





UMHCS support your right to the privacy of your medical information. We will not retaliate in any way if you choose to file a complaint with us or with the U.S. Department of Health and Human Services.

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