Privacy Policy
Effective date: October 29, 2026
Pacheco INS Group ("Pacheco INS Group," "we," "us," or "our") is a licensed independent health insurance agency located in Texas. We help consumers compare and enroll in Medicare plans (including Medicare Advantage, Medicare Supplement, and Prescription Drug Plans) and Health Insurance Marketplace plans under the Affordable Care Act.
This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit pachecoinsgroup.com (the "Site"), call us, meet with us, text with us, or otherwise use our services (together, the "Services"). By using our Services, you agree to the practices described in this policy.
1. Information We Collect
Information you give us
- Contact information: name, mailing address, email address, and phone number (including mobile number).
- Eligibility and enrollment information: date of birth, county and ZIP code, household size, household income, citizenship or immigration status, and current coverage.
- Government and plan identifiers: Medicare Beneficiary Identifier (Medicare number), Medicare Part A and Part B effective dates, Social Security number (when required for an application), and Medicaid or Extra Help status.
- Health-related information: your doctors and other providers, prescription medications, pharmacies, and other information you choose to share so we can compare plans for you.
- Communications: messages, voicemails, and notes from conversations with our agents. Calls may be recorded where required by the Centers for Medicare & Medicaid Services (CMS) or carrier rules, and we will tell you when a call is being recorded.
Information collected automatically
When you visit the Site, we and our service providers may automatically collect basic technical information such as your IP address, browser type, device type, pages viewed, and the date and time of your visit. This information is used to operate and secure the Site and to understand how it is used.
2. How We Use Your Information
We use your information to:
- Respond to your questions and requests for help;
- Determine which plans are available to you and compare them based on your providers, prescriptions, and budget;
- Help you complete and submit applications and enrollments with insurance carriers, CMS, or the Health Insurance Marketplace;
- Schedule appointments and send appointment reminders;
- Provide ongoing policy service, such as plan reviews, renewal reminders, and help with billing or claims questions;
- Send you information about enrollment periods and plan options, when you have agreed to receive it;
- Meet our legal, regulatory, licensing, and carrier contract obligations, including record-keeping required by CMS and the Texas Department of Insurance; and
- Protect against fraud and keep our Services secure.
3. How We Share Your Information
We do not sell or rent your personal information. We share your information only as needed to provide the Services or as required by law:
- Insurance carriers whose plans you choose to apply for or enroll in;
- Government agencies and programs, such as CMS, the Health Insurance Marketplace (HealthCare.gov), and the Social Security Administration, when needed to process an application or verify eligibility;
- Field marketing organizations and enrollment platforms that we contract with to quote and submit applications, which are required to protect your information;
- Service providers that help us run our business (for example, secure CRM software, phone and text messaging providers, email, and website hosting), only to perform services for us and under obligations of confidentiality; and
- Legal and regulatory purposes, when required by law, subpoena, or a regulator, or to protect the rights, safety, and property of our clients, our agency, or others.
4. Text Messaging (SMS) Privacy
If you provide your mobile phone number and agree to receive text messages from Pacheco INS Group, we use your number to send you the types of messages you agreed to, such as replies to your inquiry, appointment reminders, enrollment updates, policy service messages, and, if you separately opted in, marketing messages about enrollment periods and plan options.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent are excluded from all of the information sharing described in this Privacy Policy and will not be shared with any third parties, except with the service providers that deliver our text messages on our behalf.
- Opting out: You may opt out at any time by replying STOP to any message. You will receive one final message confirming you have been unsubscribed.
- Help: Reply HELP for help, or contact us at (956) 239-3892 or [email protected].
- Frequency and costs: Message frequency varies. Message and data rates may apply.
- Consent to receive text messages is never a condition of purchasing any plan or service.
See our Terms of Service for the full terms of our text messaging program.
5. Health Information and HIPAA
When we help you with plans offered by insurance carriers, we may receive health information that is protected under the Health Insurance Portability and Accountability Act (HIPAA). In those cases, we act as a business associate of the carrier and handle that information as required by HIPAA and our agreements with the carrier. We use health information you share only to help you find, enroll in, and service your coverage.
6. How We Protect Your Information
We use reasonable administrative, technical, and physical safeguards to protect your information, including limiting access to people who need it to serve you, using secure systems to store and transmit sensitive data, and following carrier, CMS, and Marketplace security requirements. No method of transmission or storage is completely secure, so we cannot guarantee absolute security. Please do not send your Social Security number or Medicare number by regular email or text message; we will provide a secure way to share it.
7. How Long We Keep Your Information
We keep your information for as long as needed to provide the Services and to meet legal, regulatory, and contractual record-keeping requirements. For example, CMS and carrier rules may require us to keep enrollment records and call recordings for up to 10 years. When information is no longer needed, we securely delete or destroy it.
8. Your Choices and Rights
- Text messages: Reply STOP to any message to stop receiving texts.
- Email: Use the unsubscribe link in any marketing email, or contact us.
- Phone calls: Ask to be placed on our internal do-not-call list at any time.
- Access and correction: You may ask to see the personal information we have about you or ask us to correct it.
- Deletion: You may ask us to delete your information, subject to records we are legally required to keep.
Texas residents may have additional rights under applicable Texas law. To make a request, contact us using the information below. We will verify your identity before acting on a request and will not discriminate against you for exercising your rights.
9. Cookies and Website Analytics
The Site may use cookies and similar technologies to keep the Site working and to understand how visitors use it. You can set your browser to refuse cookies, though some features may not work as intended. We do not use the Site to collect health information through advertising or tracking pixels.
10. Children's Privacy
Our Site is not directed to children under 13, and we do not knowingly collect personal information online from children under 13. Information about minor dependents is collected only from a parent or guardian when needed to apply for family coverage.
11. Third-Party Websites
The Site may link to third-party websites such as Medicare.gov, HealthCare.gov, or insurance carrier websites. We are not responsible for the privacy practices of those websites, and we encourage you to read their privacy policies.
12. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will post the updated policy on this page and change the effective date above. Material changes will be communicated as required by law.
13. Contact Us
If you have questions about this Privacy Policy or want to make a request about your information, contact us:
Pacheco INS Group
909 W FM 495, Suite 5
San Juan, TX 78589
Phone: (956) 239-3892
Email: [email protected]