Transparency in Coverage

If you found your way here the odds are you're a federal inspector making sure that we're in compliance with the rules... or you're just really confused.  If you're an inspector, look at us, we're compliant!  Yay.   If you're confused, believe me, I am too, but apparently we're required to put this on our website even though it only applies to our employees.

PRIVACY PRACTICES NOTICE


SILL-TERHAR MOTORS, INC.

PRIVACY PRACTICES NOTICE

(Version 02/16/2026)

THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION.

PLEASE REVIEW IT CAREFULLY.  THE PRIVACY OF YOUR MEDICAL INFORMATION IS IMPORTANT TO US

Summary of Our Privacy Practices

We may use and disclose your protected health information ("medical information"), without your permission, for treatment, payment, and health care operations activities.  We 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.

We may disclose your medical information to your family members, friends, and others you involve in your care or payment for your health care.  We may disclose your medical information to appropriate public and private agencies in disaster relief situations.

We may disclose to your employer whether you are enrolled or disenrolled in the health plans it sponsors.  We may disclose summary health information to your employer for certain limited purposes.  We 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, we 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 practices.


Contact Information

For more information about our privacy practices, to discuss questions or concerns, or to get additional copies of this notice, please contact   

Contact Office:  Lorrie Moreau, Human Resources Department                                                                   

Telephone:  303-469-1801 extension 147 Fax:  720-284-0793 or 720-384-0791                 

E-mail:  LMoreau@STHMotors.com                                                                                                              

Address: 150 Alter Street, Broomfield, CO 80020


Our Legal Duty

We are required by applicable federal and state law to maintain the privacy of your protected health information ("medical information").  We are also required to give you this notice about our privacy practices, our legal duties, and your rights concerning your medical information.

We must follow the privacy practices that are described in this notice while it is in effect.  This notice takes effect March 2, and will remain in effect unless we replace it.

We reserve the right to change our privacy practices and the terms of this notice at any time, provided such changes are permitted by applicable law.  We reserve the right to make any change in our privacy practices and the new terms of our notice applicable to all medical information we maintain, including medical information we created or received before we made the change.  

Uses and Disclosures of Your Medical Information

Treatment:  We may disclose your medical information, without your permission, to a physician or other health care provider to treat you.

Payment:  We may use and disclose your medical information, without your permission, to pay claims from physicians, hospitals and other health care providers for services delivered to you that are covered by your health plan, to determine your eligibility for benefits, to coordinate your benefits with other payers, to determine the medical necessity of care delivered to you, to obtain premiums for your health coverage, to issue explanations of benefits to the subscriber of the health plan in which you participate, and the like.  We may disclose your medical information to a health care provider or another health plan for that provider or plan to obtain payment or engage in other payment activities.

Health Care Operations:  We may use and disclose your medical information, without your permission, for health care operations.  Health care operations include:

  • health care quality assessment and improvement activities;

  • reviewing and evaluating health care provider and health plan performance, qualifications and competence, health care training programs, health care provider and health plan accreditation, certification, licensing and credentialing activities;

  • conducting or arranging for medical reviews, audits, and legal services, including fraud and abuse detection and prevention;

  • underwriting and premium rating our risk for health coverage, and obtaining stop-loss and similar reinsurance for our health coverage obligations; and

  • business planning, development, management, and general administration, including customer service, grievance resolution, claims payment and health coverage improvement activities, de-identifying medical information, and creating limited data sets for health care operations, public health activities, and research.

We may disclose your medical information to another health plan or to a health care provider subject to federal privacy protection laws, as long as the plan or provider has or had a relationship with you and the medical information is for that plan's or provider's health care quality assessment and improvement activities, competence and qualification evaluation and review activities, or fraud and abuse detection and prevention.

Your Authorization:  You may give us written authorization to use your medical information or to disclose it to anyone for any purpose.  If you give us an authorization, you may revoke it in writing at any time.  Your revocation will not affect any use or disclosure permitted by your authorization while it was in effect.  Unless you give us a written

authorization, we will not use or disclose your medical information for any purpose other than those described in this notice.  We generally may use or disclose any psychotherapy notes and substance use disorder counseling notes we hold only with your authorization.

If we receive substance use disorder treatment records created by a federally assisted program or health care provider under 42 CFR Part 2, we may only use or disclose such records in accordance with the written consent you provided to the program or provider.  If such records were disclosed to us with your written consent for treatment, payment, and health care operations, we may further disclose the records for these purposes without obtaining an additional written consent.

Family, Friends, and Others Involved in Your Care or Payment for Care:  We may disclose your medical information to a family member, friend or any other person you involve in your care or payment for your health care.  We will disclose only the medical information that is relevant to the person's involvement.

We may use or disclose your name, location, and general condition to notify, or to assist an appropriate public or private agency to locate and notify, a person responsible for your care in appropriate situations, such as a medical emergency or during disaster relief efforts.

We will provide you with an opportunity to object to these disclosures, unless you are not present or are incapacitated or it is an emergency or disaster relief situation.  In those situations, we will use our professional judgment to determine whether disclosing medical information related to your care or payment is in your best interest under the circumstances.

Your medical information remains protected by us for at least 50 years after you die.  After you die, we may disclose to a family member, or other person involved in your health care prior to your death, the medical information that is relevant to that person's involvement, unless doing so is inconsistent with your preference and you have told us so.

 Your medical information remains protected by us for at least 50 years after you die.  After you die, we may disclose to a family member, or other person involved in your health care prior to your death, the medical information that is relevant to that person's involvement, unless doing so is inconsistent with your preference and you have told us so.

Your Employer {Sill-TerHar Motors, Inc.}:  We may disclose to your employer whether you are enrolled or disenrolled in a health plan that your employer sponsors.

We may disclose summary health information to your employer to use to obtain premium bids for the health insurance coverage offered under the group health plan in which you participate or to decide whether to modify, amend or terminate that group health plan (this is sometimes called "underwriting").  Summary health information is aggregated claims history, claims expenses or types of claims experienced by the enrollees in your group health plan.  Although summary health information will be stripped of all direct identifiers of these enrollees, it still may be possible to identify medical information contained in the summary health information as yours.  We are expressly prohibited from using or disclosing any health information containing your genetic information for underwriting purposes.

{We may disclose your medical information and the medical information of others enrolled in your group health plan to your employer to administer your group health plan.  Before we may do that, your employer must amend the plan document for your group health plan to establish the limited uses and disclosures it may make of your medical information.  Please see your group health plan document for a full explanation of those limitations.}

Health-Related Products and Services:  We may use your medical information to communicate with you about health-related products, benefits and services, and payment for those products, benefits and services that we provide or include in our benefits plan.  We may use your medical information to communicate with you about treatment alternatives that may be of interest to you.

These communications may include information about the health care providers in our networks, about replacement of or enhancements to your health plan, and about health-related products or services that are available only to our enrollees that add value to our benefits plans.

Public Health and Benefit Activities:  We may use and disclose your medical information, without your permission, when required by law, and when authorized by law for the following kinds of public health and public benefit activities:

  • for public health, including to report disease and vital statistics, child abuse, and adult abuse, neglect or domestic violence;

  • to avert a serious and imminent threat to health or safety;

  • for health care oversight, such as activities of state insurance commissioners, licensing and peer review authorities, and fraud prevention agencies;

  • for research;

  • in response to court and administrative orders and other lawful process; 

  • to law enforcement officials with regard to crime victims and criminal activities;

  • to coroners, medical examiners, funeral directors, and organ procurement organizations;

  • to the military, to federal officials for lawful intelligence, counterintelligence, and national security activities, and to correctional institutions and law enforcement regarding persons in lawful custody; and

  • as authorized by state worker's compensation laws.

Prohibited Uses and Disclosures:  If we receive substance use disorder records created by a federally assisted program or health care provider under 42 CFR Part 2, we may not use or disclose such records, or testimony relaying the content of such records, in any civil, criminal, administrative, or legislative proceedings against you unless based on your specific written consent or a court order.  We may only use or disclose records based on a court order after: 

1. a notice and an opportunity to be heard is provided to you or the holder of the record, where required by 42 CFR part 2; and

2. the court order is accompanied by a subpoena or other similar legal requirement compelling the disclosure.


Your Rights

Access:  You have the right to examine and to receive a copy of your medical information, with limited exceptions.  You should submit your request {in writing} to our Contact  Office.  

{We may charge you reasonable, cost-based fees (including labor costs) for a copy of your medical information, for mailing the copy to you, and for preparing any summary or explanation of your medical information you request.  Contact our Contact Office for information about our fees.}

Your medical information may be maintained electronically.  If so, you can request an electronic copy of your medical information.  If you do, we will provide you with your medical information in the electronic form and format you requested, if it is readily producible in such form and format.  If not, we will produce it in a readable electronic form and format as we mutually agree upon.

You may request that we transmit your medical information directly to another person you designate.  If so, we will provide the copy to the designated person.  Your request must be in writing, signed by you and must clearly identify the designated person and where we should send the copy of your medical information.

Disclosure Accounting:  You have the right to a list of instances from the prior six years {if plan is created after that date, insert the effective date} in which we disclose your medical information for purposes other than treatment, payment, health care operations, as authorized by you, and for certain other activities.

You should submit your request to the contact at the end of this notice.  We will provide you with information about each accountable disclosure that we made during the period for which you request the accounting, except we are not obligated to account for a disclosure that occurred more than 6 years before the date of your request and never for a disclosure that occurred before the plan's effective date (if the plan was created less than six years ago).

Amendment.  You have the right to request that we amend your medical information.  You should submit your request {in writing} to the contact at the end of this notice.  

We may deny your request only for certain reasons.  If we deny your request, we will provide you a written explanation.  If we accept

your request, we will make your amendment part of your medical information and use reasonable efforts to inform others of the amendment who we know may have and rely on the unamended information to your detriment, as well as persons you want to receive the amendment.

Restriction:  You have the right to request that we restrict our use or disclosure of your medical information for treatment, payment or health care operations, or with family, friends or others you identify.  We are not required to agree to your request, except for certain required restrictions, described below.  If we do agree, we will abide by our agreement, except in a medical emergency or as required or authorized by law.  You should submit your request to the contact at the end of this notice.  We will agree to (and not terminate) a restriction request if:  

1. the disclosure is to a health plan for purposes of carrying out payment or health care operations and is not otherwise required by law; and

2.  the medical information pertains solely to a health care item or service for which the individual, or person other than the health plan on behalf of the individual, has paid the covered entity in full.

Confidential Communication:  You have the right to request that we communicate with you about your medical information in confidence by means or to locations that you specify.  {You should make your request in writing, and your request must represent that the information could endanger you if it is not communicated in confidence as you request.}  You should submit your request {in writing} to the contact at the end of this notice.  

We will accommodate your request if it is reasonable, specifies the means or location for communicating with you, and continues to permit us to collect premiums and pay claims under your health plan.  Please note that an explanation of benefits and other information that we issue to the subscriber about health care that you received for which you did not request confidential communications, or about health care received by the subscriber or by others covered by the health plan in which you participate, may contain sufficient information to reveal that you obtained health care for which we paid, even though you requested that we communicate with you about that health care in confidence.

Breach Notification:  You have the right to receive notice of a breach of your unsecured medical information.  Notification may be delayed or not provided if so required by a law enforcement official.  You may request that notice be provided by electronic mail.  If you are deceased and there is a breach of your medical information, the notice will be provided to your next of kin or personal representatives if the plan knows the identity and address of such individual(s).

Electronic Notice:  If you receive this notice on our web site or by electronic mail (e-mail), you are entitled to receive this notice in written form.  Please contact our Contact Office to obtain this notice in written form.

Complaints

If you are concerned that we may have violated your privacy rights, or you disagree with a decision we made about access to your medical information, about amending your medical information, about restricting our use or disclosure of your medical information, or about how we communicate with you about your medical information (including a breach notice communication), you may complain to our Contact Office.

You also may submit a written complaint to the Office for Civil Rights of the United States Department of Health and Human Services, 200 Independence Avenue, SW, Room 509F, HHH Building, Washington, D.C. 20201.  You may contact the Office for Civil Rights' Hotline at 1-800-368-1019.

We 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.



The weird formatting is not my fault. I got a Word document and was told to put it on the website.