Privacy Policy

Last updated: October 1, 2026

Appalachian.Health is a brand of NativeReps FMO, LLC, a Virginia limited liability company and licensed health insurance agency ("we," "us," "our"). This policy explains what information we collect through www.apphealthins.com, appalachian.health, and our phone, text, and email communications, and how we use and protect it.

Information we collect

• Information you give us: your name, phone number, ZIP code, email address, preferred call time, and your consent choices when you request a call.
• Information you share with your agent: during an appointment you may choose to share details such as your Medicare number, doctors, prescriptions, or health conditions so your agent can compare plans. We ask that you not include health details in website forms.
• Automatic information: basic technical data such as browser type, device, pages visited, and IP address, collected through cookies and similar tools to keep the site working and measure its performance.

How we use your information

• To contact you about your request and schedule an appointment with a licensed agent near you.
• To explain and compare Medicare Advantage, Medicare Supplement, Prescription Drug, and other health-related plans from the companies we represent, and to help you enroll if you choose.
• To send appointment reminders, plan review reminders, and, if you agreed, marketing messages.
• To meet legal, regulatory, and insurance carrier requirements, including CMS recordkeeping rules.

Health information

When you enroll in a plan or share health information with your agent for that purpose, we handle it in line with the HIPAA Privacy and Security Rules and our agreements with the insurance companies we represent. We use it only to help you with your coverage and do not sell it.

How we share information

We share information only as needed to serve you:

• With the licensed agent assigned to help you.
• With the insurance company whose plan you choose to apply for.
• With service providers who help us run our business (for example, our CRM, phone, and email systems), under agreements that require them to protect it.
• When required by law, regulation, or a valid legal request.

Calls, texts, and emails

If you give consent, we may contact you by phone, text, or email, including by automated means. Consent is not required to buy anything. You can opt out of texts at any time by replying STOP, and out of emails using the unsubscribe link or by contacting us. Calls with our agents may be recorded as required by CMS. See our SMS Terms for details.

Cookies

You can set your browser to refuse cookies. Some parts of the site, such as the request form, may not work properly without them.

How we protect your information

We use reasonable administrative, technical, and physical safeguards, including access controls and encrypted systems. No method of transmission or storage is completely secure, so we cannot guarantee absolute security.

How long we keep information

We keep information as long as needed to serve you and to meet legal and carrier requirements, including CMS record retention rules, and then delete or de-identify it.

Your choices

You may ask to see, correct, or delete the personal information we hold about you, or to stop receiving marketing, by emailing [email protected] or calling (276) 600-0064. Some records must be kept to meet legal requirements.

Children

Our services are intended for adults. We do not knowingly collect information from children under 13.

Changes to this policy

We may update this policy from time to time. The date at the top shows when it last changed.

Text messaging (SMS) opt-in

You can choose to receive text messages from Appalachian.Health (NativeReps FMO, LLC) by checking an SMS consent box on our website form. There are two separate, optional boxes: one for messages about your call request and appointments, and one for marketing messages about Medicare plans. When you opt in, we collect your mobile phone number and a record of your consent (date, time and the consent language you agreed to), and we use it only to send the messages you asked for. Message frequency varies. Message and data rates may apply. Text STOP to opt out or HELP for help at any time. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes, and SMS opt-in data and consent will not be shared with any third parties. See our SMS Terms.

Contact us

NativeReps FMO, LLC (Appalachian.Health)
448 Cummings St #254, Abingdon, VA 24210 (mail only)
[email protected] · (276) 600-0064