Notice of Privacy Policy and Practices:

THIS NOTICE DESCRIBES HOW PERSONAL HEALTH INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW CAREFULLY.

PURPOSE

The Megro Corporation respects the privacy of personal information and understands the importance of keeping this information confidential and secure. This Notice describes The Megro Corporation’s policies and practices for collecting, handling, and protecting our clients’ personal health information. From time to time in the future, it may be necessary to revise our privacy policy to keep it current with changing industry standards and regulations. Should such a change be required, we will notify you in writing in advance of the change.

PERSONAL HEALTH INFORMATION

As a client of The Megro Corporation your healthcare information, including, but not limited to name, address, social security number, member identification number, medical records, billing records, claims information, information on your medical conditions, prescription medications (“Personal Health Information”), needs to be collected, maintained and available for The Megro Corporation and the insurance carriers that it represents in order to provide services on an employers behalf.

You have the right to: (i) request certain restrictions on the use of your Personal Health Information, (ii) receive an accounting of disclosures of use of your Personal Health Information, (iii) amend your Personal Health Information; (iv) complain to The Megro Corporation’s designated privacy officer at 1-800-527-3615 or the Secretary of Health and Human Services if you believe your privacy rights have been violated; and (v) revoke your authorization to The Megro Corporation to use and disseminate your Personal Health Information.

DISCLOSURE

We will use and disclose Personal Health Information only as necessary to administer The Megro Corporation services. We may disclose and exchange your Personal Health Information, only after receiving authorization from you, with contracted service providers.

We may disclose your Personal Health Information under order of a court of law in connection with a legal proceeding.

We may disclose your Personal Health Information to government agencies or accrediting organizations that monitor our compliance with applicable laws and standards.

We may disclose your Personal Health Information under a subpoena or summons to government agencies that investigate fraud or other violations of law.

We do not disclose Personal Health Information to any other third parties without a member’s request or authorization.

DISCLAIMER

The Megro Corporation does not provide health insurance or medical services. Consequently, all medical services are provided by independent healthcare practitioners who are not employees or agents of The Megro Corporation. The Megro Corporation provides administrative and informational services through our employees, licensed insurance agents, insurance companies, and contracted service providers. All of The Megro Corporation’s services are offered in a manner that fully respects and protects the privacy of our clients and the confidentiality of their medical information and is compliant with all regulatory requirements.

Effective: January 2002

INTERNET PRIVACY POLICY

Welcome to Megro.com and our related web sites. The Megro Corporation respects the privacy of personal information and understands the importance of keeping this information and understands the importance of keeping this information confidential and secure. This Internet Privacy Policy describes The Megro Corporation’s policies and practices for collecting, handling and protecting information you may provide while at our Web sites. From time to time in the future, it may be necessary to revise our Internet Privacy Policy to keep it current with changing industry standards and regulations.

CONSENT

By using the Web site, you agree with the terms of this Privacy Policy. Whenever, you submit information via this site, you consent to the collection, use, and disclosure of that information in accordance with this Privacy Policy.

INFORMATION COLLECTION

Like many Web sites, this site actively collects information from its visitors both by asking specific questions of the visitor and by permitting the visitor to ask questions directly to us via e-mail. In addition, as you navigate through our Web sites, certain information is passively collected (e.g., http requests, dates and times of requests, originating and other IP addresses, etc.) by us using various technologies and means, such as navigational data collection often provided by Web Server Software.

USE OF INFORMATION

We may use the information collected to improve the content of our Web sites, to customize the site to the preference of our visitors, to communicate information to our visitors, or for our internal marketing or research purposes. If you provide individually identifiable data to our web site, we will take reasonable measures to prevent your personally identifiable information from being disclosed to others outside of The Megro Corporation.

LINKS TO OTHER SITES

Our Web Site may contain links or references to other Web sites. Please be aware that we do not control other Web sites and in any case, this Policy does not apply to those Web sites. We encourage you to read the privacy policy of every Web site you visit.

DISCLAIMER

Your use of this site is subject to our Disclaimer.

CHANGES TO THIS PRIVACY POLICY

If this Internet Privacy is changes, the revised policy will be posted on this Web site.