Broker Check

Privacy Policy

This Notice describes how medical information about a protected party may be used and disclosed and how you can access this information. Please review carefully.


McKnight Advisory Group, Inc.


This provides a Notice of the privacy practices and policies of McKnight Advisory Group, Inc. These protections have been adopted to ensure that the information that we obtain and maintain for our current, past, and potential clients and customers, which may also include information about the employees, dependents, former employees and dependents, and other eligible participants on a group health plan for which we are providing services ("Protected Parties"), is protected by relevant state and federal rules. The Notice outlines our practices, policies, and legal duties to maintain and protect against prohibited disclosure of personally-identifiable financial information (as required by the federal Gramm-Leach-Bliley Financial Modernization Act ("GLB Act"), and the various state laws implementing those requirements), Protected Health Information of those Protected Parties (under the privacy regulations mandated by the Health Insurance Portability and Accountability Act and further expanded by the Health Information Technology for Economic and Clinical Health Act provisions in Title XIII of the American Recovery and Reinvestment Act ("HITECH"), the HIPAA Omnibus ruling of 2013, and the regulations related to these laws and mandates), and the protection of personally identifiable information under 45 CFR § 155.260 (collectively referred herein as "Privacy Rules").


Statement of Our Duties

We are required by law to maintain the privacy of non-public personal information ("NPPI"), protected health information ("PHI"), and personally identifiable information ("PII") (collectively referred to herein as "Protected Information") of the Protected Parties and to provide our clients with this Notice of our privacy practices and legal duties. We are required to abide by the terms of this Notice. We reserve the right to change this Notice's terms and adopt any new provisions regarding the Protected Information that we maintain about the Protected Parties. If we revise this Notice, we will provide each client or customer with a current and direct business relationship with a revised notice by mail, electronic mail, or any other electronic means, telefacsimile or fax, or hand-delivery.


Statement of the Client Rights Under Privacy Rules

As our client or customer, you have a right to know how we may use or disclose the Protected Information we maintain on those Protected Parties with whom there is a direct relationship. Suppose our customer or client is an employer sponsoring a group health plan. In that case, we do not have a natural duty to their employees, dependents, former employees, dependents, or other eligible participants in the group health plan. Our obligations to not disclose the Protected Information we maintain about those individuals may arise due to our contractual obligations as a Business Associate of the client or customer, as well as to any other third party who is a Covered Entity under the Privacy Rules but does not create a special legal duty to provide Notice to those individuals of their rights through a Privacy Notice.

  1. Primary Uses and Disclosures of Protected Information: We use and disclose Protected Information about Protected Parties for payment and healthcare operations. Privacy Rule does not generally "preempt" (or take precedence over) state privacy or other applicable laws that provide individuals greater privacy protections. As a result, to the extent state law applies, the privacy laws of a particular state or other federal laws, rather than the Privacy Rules, might impose a privacy standard under which we will be required to operate. For example, where such laws have been enacted, we will follow more stringent state privacy laws that relate to the uses and disclosures of the Protected Information concerning HIV or AIDS, mental health, substance abuse/chemical dependency, genetic testing, or reproductive rights.


In addition to these law requirements, we also may use or disclose Protected Information in the following situations:

  1. Payment: We might use and disclose your Protected Information for all activities included within the definition of "payment" within the Privacy Rules. For example, we might use and disclose a Protected Party's Protected Information to assist with the payment of claims for services provided to that Protected Party by doctors, hospitals, pharmacies, and others for services that are covered by a group health plan. We also use your information to determine your eligibility for benefits, coordinate benefits, examine medical necessity, obtain premiums, and issue benefits explanations to the person subscribing to the health plan you participate in.


  1. Health Care Operations: We might use and disclose a Protected Party's Protected Information for all activities included within the definition of "health care operations" within the Privacy Rules. For example, we might use and disclose the Protected Information of a Protected Party to an insurer to determine the premiums for your health plan, to conduct quality assessment and improvement activities, to engage in care coordination or case management, and manage our business.


  1. Business Associate Subcontractors: In connection with our payment and healthcare operations activities, we contract with individuals and entities (called "subcontractors") to perform various functions on our behalf or provide certain services. To achieve these functions or to provide the services, our subcontractors will receive, have access to, create, maintain, use, or disclose Protected Information, but only after we require the subcontractor to agree in writing to contract terms designed to safeguard your information appropriately.


  1. Other Covered Entities: We also use or disclose your Protected Information to assist healthcare providers with their treatment or payment activities or assist other covered entities with certain healthcare operations. For example, we might tell a Protected Party's Protected Information to a healthcare provider when the provider needs to treat that party, and we might disclose Protected Information to another covered entity or subcontractor to conduct healthcare operations related to billing, claims payment, or enrollment.

For all other uses and disclosures, we first must obtain your permission.

In addition, you have the following rights:

  1. The right to request that we place additional restrictions on our uses and disclosures of the Protected Information of Protected Parties. However, we are not obligated to agree to impose any such other restrictions.
  2. The right to access, inspect, and copy the protected information about Protected Parties that we maintain in our files and the right to have us correct or amend any information that we create in error. Requests to access or amend your health information should be sent to the contact person and address provided below.
  3. The right to receive an accounting of the disclosures of the Protected Information we maintain on Protected Parties that we make for purposes other than activities related to payment functions or other health care operations.
  4. The right to request that communications containing a protected party's Protected Information be sent confidentially.
  5. If you received this Notice electronically, you also have the right to obtain a paper copy of this Notice from us on request.



Information We Collect About You

We collect the following categories of information for group and individual policies from the following sources:

  1. We obtain information directly from you, in conversations, or on applications or other forms that you or a Protected Party completes.
  2. We obtain information regarding current or prospective plan participants from applications or other forms.
  3. Information about the plan's transactions with our affiliates, others, or us.
  4. Information that we obtain as a result of our transactions with you.


Permissible Uses and Disclosures of Protected Information

We disclose the information we receive regarding current or prospective plan participants only by the terms and conditions of the various Business Associate contracts we have entered into with Covered Entities under Privacy Rules and as permitted under state and federal laws concerning the privacy of your insurance and financial information. Those include:

  1. Situations Permitted or Required by Law. We also may use or disclose your Protected Information without your written permission for other purposes permitted or required by law, including, but not limited to the following:
    1. As authorized by and to the extent necessary to comply with workers' compensation or other no-fault laws;
    2. To an oversight or insurance regulatory agency for activities including audits or civil, criminal, or administrative actions;
    3. To a public health authority for purposes of public health activities (such as to the Federal Food and Drug Administration to report consumer product defects);
    4. To a law enforcement official for law enforcement purposes or in response to a court order or in the course of any judicial or administrative proceeding;
    5. To organ procurement organizations or other entities for approved research; or
    6. To a governmental authority, including a social service or protective services agency, authorized to receive reports of abuse, neglect, or domestic violence.
  1. For Any Purposes to Which You Have Not Objected. In certain limited circumstances, we may use or disclose your Protected Information after we have allowed you to object and you have not objected. For example, if you do not object, we may use limited information about you to maintain an office directory, to notify family members or any other person identified by you regarding issues directly related to such person's involvement with your care or payment for that care, or in emergency circumstances.
  2. For Purposes for Which We Have Obtained Your Written Permission. All other uses or disclosures of your Protected Information will be made only with your written permission, and you may revoke any consent you give us at any time.


Permissible Uses and Disclosures


You may complain directly to us or the Secretary of Health and Human Services if you believe that your rights regarding our protection of your health information have been violated. To file a complaint with us, you may send a written statement outlining the facts and circumstances surrounding your complaint, including the names, dates, and as many details as possible. You will not be retaliated against in any way for filing a complaint.



Our Confidentiality and Security Practices


We restrict access to Protected Information about you to those employees and subcontractors who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with state & federal regulations to guard your Protected Information.


Our Duties


We are required by law to maintain the privacy of Protected Information and provide individuals with a Notice of its legal duties and privacy practices concerning Protected Information. Suppose unsecured Protected Information is acquired, used, or disclosed in a manner that is not permitted under the Privacy Rules that compromises the security or privacy of that Protected Information (referred to as a "Breach"). In that case, We are required to provide appropriate Notice as defined by law without unreasonable delay and in no case later than 60 days after the discovery of the Breach or the receipt of information about the Breach. We may delegate this duty to a subcontractor. We are required to abide by the terms of the Notice that is currently in effect. We will provide you with a paper copy of this Notice upon request.


Our Policy Regarding Dispute Resolution


Any controversy or claim arising out of or relating to our privacy policy, or the Breach thereof, shall be settled by arbitration by the rules of the American Arbitration Association, and judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.


Revisions to this Notice


We reserve the right to change the terms of this Notice and to make the new Notice provisions effective for all Protected Information we maintain, regardless of whether the Protected Information was created or received before issuing the revised Notice. We will promptly fix and distribute the new Notice whenever there is a material change to our use and disclosure of Protected Information, individual rights, duties, or other privacy practices stated in this Notice.


Contact person for filing a complaint or obtaining other information:

If you believe your privacy rights have been violated, you may file a written complaint with our Privacy Officer at the following address:

Samantha Jackson, Privacy Officer

1800 S. Rutherford Blvd, Suite 202

Murfreesboro, Tennessee 37130

(615) 895-8574



DISCLAIMER: “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact or 1-800-MEDICARE to get information on all of your options. For accommodations of persons with special needs at meetings call <615-895-8574>”