Our Approach

NFP Health has developed a comprehensive and fully modular solution to address many health benefits exchange scenarios.NFP Health’s approach is centered on a set of core engine modules that can be used together as a comprehensive Health Benefits solution, or used independently as the situation may require. These core engine modules handle virtually every possible transaction that would be included in the administration of a health benefits exchange, including quoting, provider search, subsidy calculation, comparison shopping, underwriting, enrollment, and financial management and broker services.

Graphical Representation of Our Exchange Model

NFP Health’s approach is easy to understand, but highly complex and comprehensive. In fact, there is no other solution on the market that addresses all these critical Exchange functions and is built by experts who have over 40 years experience running a Health Benefits Exchange. NFP Health has built this unique suite of services after a long and successful history of bringing benefits to individuals and small businesses in Massachusetts, Rhode Island and New Hampshire. Many technology and consulting organizations are coming to market with products and services to address the need for Health Benefit Exchange solutions following the signing into law of the PPACA, but it is important to note that the NFP Health solution has been proven in day to day operations for 4 decades.

At NFP Health, we understand that we are not the only business that can design, build and/or operate a health benefits exchange, but we are the only business that exclusively does so. We are completely focused on designing, building and operating successful health benefits exchanges – it’s all we do.

In fact, we are so confident that our solution is the best option available to meet the needs of both public and private benefits exchanges that we have prepared video and interactive content that demonstrates the full suite of services we offer via our exchanges. Please watch our video tour, launch our interactive tool and then contact us directly to learn more about our exchanges.

Our Exchange Model Health Benefits Exchanges can be very complex to understand. We have prepared a short video to guide you through the key components of our Exchange model. The video runs approximately 11 minutes and includes an audio narration of our entire solution. Please follow this link for a tour of our unique Health Benefits Exchange solution.	Video tour Video tour
Interactive map of our exchange model The NFP Health Benefits Exchange is both complex and easy to understand. We have prepared an interactive tool, allowing you to learn more about our individual engine components and interfaces. Please follow this link to our interactive tool, and take your time to learn more about our unique modular approach to implementing and operating a Health Benefits Exchange.	Interactive Map Interactive Map
Detailed description of our exchange model Please follow this link to see a detailed listing of our Health Benefits Exchange components, including all engine modules and interfaces.	Detailed description Detailed description

Privacy policy

NFP Health strongly believes in protecting the confidentiality and security of information we collect about individuals. Our information practices for this website are described below. This Privacy Policy applies to all of our websites, including any websites owned, operated or sponsored by any of our subsidiaries or affiliates. However, we may add to, or supersede, certain provisions of the following terms and conditions with other provisions located in other parts of all of our websites. You should review this Privacy Policy regularly as it may change at any time at our sole discretion. NFP Health may modify, add or remove portions of this Privacy Policy at any time by updating this web page. Please check back to this area of the website to look for changes in this Privacy Policy. If any change to this Privacy Policy is unacceptable to you, your only recourse is to terminate your use of the website.

Scope of Privacy Policy:

This Privacy Policy only addresses the use and disclosure by NFP Health of information NFP Health collects from you. However, this website may contain links to other sites and we may engage third party suppliers or service providers, each of which may adhere to their own privacy customs and policies. NFP Health does not control the content or privacy policies of such websites or the privacy policies of such third parties. NFP Health accepts no responsibility or liability for privacy or other issues related to the collection or use of your information by such other sites or third parties.

Your Personal Information:

When you come to the NFP Health website, we log your current Internet address (this is usually a temporary address assigned by your Internet service provider when you log in), the type of operating system you are using, and the type of browser software used. In addition, we may keep track of what portions of the website you are visiting. We aggregate this information to help us create a better experience for users of our website. For example: we may upgrade those parts of the website that are heavily visited or optimize the website to work more efficiently with certain operating systems. This is all done without our knowing your name or other personal identifying information. When you visit the NFP Health website you are anonymous, unless you chose to identify yourself to us.

You are not required to provide us with personal information to use our website, unless expressly stated. For example, certain features may require you to submit some personal information in order for those features to function as designed. Such information might include, but not limited to, name, address, E-mail address, and phone number. Certain parts of our website may require you to provide identifying information and use individual passwords in order to access personal information.

If you do choose to provide us with personal information, you can be assured that such information is kept in secured databases. NFP Health treats this information as confidential. NFP Health will use the information you provide solely to satisfy your requests for information regarding NFP Health. We do not sell, rent, or exchange any of the personal information collected on our website.

Cookies and Web Bugs:

A cookie is a small piece of information that a website sends to your computer, which is stored in a file on your hard drive. The next time you visit our website, we may use the information stored in your cookie file to facilitate your use of our website. For example, we may use your cookie file to store a password so that you do not have to input it every time you move to a different section of a password protected portion of our website. A cookie does not tell us your individual identity unless you have chosen to provide it to us. Most cookies expire after a defined period of time, or you can delete your cookie file at any time you choose. In addition, you can set your browser to notify you when you receive a cookie so that you can decide whether to accept or reject it.

A web bug (or web beacon) is a tiny graphical image that is typically on a web page. Somewhat like a cookie, a web bug can tell us information such as what kind of browser is being used and what time of day this page was accessed. Some web bugs can include information such as your IP address. Some technologies will notify you of the presence of web bugs, but browsers typically do not notify you of them.

Privacy:

NFP Health uses no encryption (data scrambling) on certain portions of our website, and up to 128-bit encryption on other portions. When you are on any website that asks you for confidential information (your social security number or a bank or credit card account number, for example), you should check to see if the information being transmitted is encrypted in order to increase the security of your information. If you need to send confidential information and are concerned about the security of a website, then you should consider sending it by phone or by regular mail instead.

Minors:

NFP Health makes no active effort to collect personal information from children under the age of 18. We believe that children who do wish to submit information to NFP Health should have permission from their parent or legal guardian.

Additional Rights:

Applicable laws may give you additional rights that are not described in this online privacy policy.