This privacy policy (“Privacy Policy”) identifies (i) the type of information Milliman, its affiliates and subsidiaries (collectively, "HealthIO," “we” or “us”) may collect from visitors to or users of our Services (as defined in the Terms and Conditions of Use (“Terms”))(collectively, the "Site"), and (ii) how Milliman uses this information.  Your use of the Site is also governed by both this Privacy Policy and the Terms associated with our Services (such terms shall be provided upon login to the Services). If you have any questions about this policy or the manner in which Milliman uses personal information, we encourage you to contact us at


Use of Customer Information

HealthIO respects the privacy of its visitors and takes steps to prevent unauthorized disclosure of information to third parties.  "Customer Information" includes any and all information received by HealthIO from visitors to the Site.  HealthIO may store this information to enable it to fulfill orders or to improve the level of service to its Customers.  Unless required by law or by court order or as authorized by you, HealthIO will not disclose, share or sell any Customer Information to any third party outside of HealthIO, other than as necessary to fulfill your orders or requests.


Information Collected by healthio

"Personal Information" means information that HealthIO can use to identify or contact you, such as your name, address, telephone number or e‑mail address.  You are responsible for ensuring the accuracy of the Personal Information that you submit to HealthIO.  Inaccurate information will affect your experience when using the Site and HealthIO's ability to contact you as described in this Privacy Policy.  A purpose of the Site is to collect information from customers and potential customers for certain products and services sold by HealthIO.  Throughout the Site are forms that request information from you. These forms typically ask for contact information (such as name, mailing address and e‑mail address), membership information (login and password) - information required to process your order and ship products to you. The provision of such information by you is entirely voluntary.  You may request that HealthIO delete any Personal Information it may have on file at any time by contacting HealthIO.  In certain cases, HealthIO, may forward purchasing and shipping information to vendors who ship products or provide services directly to consumers.  Personal Information created using the Site and submitted to HealthIO is provided on a voluntary, non-confidential, non-proprietary basis and may be used by HealthIO as set forth in the Terms.


Newsletters & E‑mails to You

At registration and at various times as you use the Site, you will be given the option of providing HealthIO with Personal Information in order to receive recurring informational and/or promotional newsletters via e‑mail from HealthIO and/or directly from third parties.  If you sign up for one of HealthIO's newsletters on a third-party site, the third party site will provide HealthIO with your Personal Information under its applicable privacy policy and terms and conditions, and we may use that information as described in this Privacy Policy as though you had provided it directly to HealthIO.

When you sign up for any HealthIO e‑mail newsletters on the Site or at any time, you can choose to opt out of receiving additional promotional newsletters from HealthIO.


Market Research

From time to time, HealthIO may conduct online research surveys through e‑mail invitations, pop‑up surveys or other methodologies.  When participating in a survey, HealthIO may ask you to enter Personal Information.  The Personal Information you submit in a survey may be used by HealthIO for research and measurement purposes, including measuring the effectiveness of Site content, advertising or other programs, or other business purposes.  When HealthIO's market research surveys collect Personal Information, we will not knowingly accept participants who are under the age of 18.


Blogs and Other Public Forums

HealthIO features several community areas and other public forums where users with similar interests can share information.  These community areas and public forums are open to the public and should not be considered private.

Any information (including Personal Information) you share in any Site community area, public forum, posting or online discussion is by design open to the public and is not private.  You should think carefully before posting any Personal Information in any public forum.  What you post can be seen, disclosed to or collected by third parties and may be used by others in ways we cannot control or predict, including to contact you for unauthorized purposes.  As with any public forum on any site, the information you post may also show up in third-party search engines.

If you mistakenly post Personal Information on the public areas of the Site and would like it removed, you can send us an e‑mail to request that we attempt to remove it by using the Contact Us link on the Site.  In some cases, we may not be able to remove your Personal Information.


E‑mails You Send to healthio

This Privacy Policy does not apply to information, content, business information, ideas, concepts or inventions that you send to HealthIO by letter, facsimile, e‑mail, text or any other direct communication (other than as requested by the Site).  If you want to keep content or business information, ideas, concepts or inventions private or proprietary, do not send them in an e‑mail to HealthIO.


Non-Personal Information

HealthIO collects Non-Personal Information about your use of the Site.  "Non-Personal Information" means information that we cannot use to identify or contact you.  We may also acquire Non-Personal Information about our users from external sources.


IP Address Logging

HealthIO's web servers collect domain names and/or IP addresses of users to measure what pages and features are accessed by HealthIO's visitors.  HealthIO may use software to collect and analyze this information.  This information helps HealthIO administer the Site, improve content and gather broad demographic information for aggregate use.  HealthIO may link IP addresses to Personal Information submitted to HealthIO.  This information is used to verify whether a visitor has opted in to receiving additional information from HealthIO.


How Information Collected About You Is Used

Information collected by HealthIO about you may be used by HealthIO to:

  • administer your account,

  • provide you with access to particular products and services,

  • respond to inquiries you send to HealthIO and to send you communications about the Site or HealthIO services,

  • obtain your feedback about the HealthIO Site or our products or services,

  • statistically analyze user behavior and activity including how frequently areas of the Site are visited and how many e‑mails are received and opened,

  • provide you with more relevant content or advertising both on the Site and on other websites that you visit after you leave the Site;

  • conduct research activities;

  • send you personalized e‑mails or secure electronic messages pertaining to your interests, including news, announcements, reminders and opportunities from HealthIO; or

  • send you relevant offers and informational materials on behalf of our sponsors pertaining to your interests.

HealthIO may combine your Personal Information and Non-Personal Information, and may combine this information with information from external sources.


Research and Measurement Activities

Customer Information that HealthIO collects about you may be combined by HealthIO with other information available to HealthIO through third parties for research purposes, including analyzing the effectiveness of content, advertising or programs.  This information from other sources may include age, gender, demographic, geographic, personal interests, product purchase activity or other information.  HealthIO may report aggregate Customer Information, which is not able to be identified back to an individual user of the Site, to HealthIO's current or prospective advertisers and other business partners. HealthIO does not sell or share any Personal Information with any third parties, except that contractors performing services on HealthIO's behalf may be provided access to Personal Information when performing these services.  These contractors agree not to use this information for any purpose other than performing services on HealthIO's behalf.


With Whom Does healthio Share Your Information?

Except as described in this Privacy Policy or as specifically agreed to by you, HealthIO will not disclose any Personal Information it gathers from you through the Site. HealthIO may only release Personal Information to third parties:  (1) to comply with legal requirements such as a law, regulation, search warrant, subpoena or court order; or (2) in special cases, such as in response to a physical threat to you or others, to protect property or defend or assert legal rights.  In addition, HealthIO may disclose Personal Information as described below.  HealthIO may share Non-Personal Information that it has about you, including about your browsing activity on the Site, with third-party advertising service providers who may use this information, on HealthIO's behalf, to help HealthIO deliver advertising on the Site as well as on other sites on the internet.

In the event of a corporate change in control resulting from, for example, a sale to, or merger with, another entity, or in the event of a sale of assets or a bankruptcy, HealthIO reserves the right to transfer your Personal Information to the new party in control or the party acquiring assets.  In the event of such a change, your Personal Information will continue to be treated in accordance with this Privacy Policy unless any changes to this Privacy Policy are made in accordance with the section below that discusses "Changes to This Privacy Policy."


Disclosures to healthio Contractors

HealthIO contractors sometimes have limited access to your Personal Information and Non-Personal Information in the course of providing products or services to HealthIO.  These contractors include vendors and suppliers that provide HealthIO with technology, services, data analysis, research, advertising and marketing assistance and/or content in connection with HealthIO's operation and maintenance of the HealthIO websites.  HealthIO contractually requires that its contractors: (1) protect the privacy of your Personal Information and Non-Personal Information consistent with this Privacy Policy and (2) not use or disclose your Personal Information or Non-Personal Information for any purpose other than providing the limited service or function for HealthIO.


Disclosures to Third Party Websites

Certain content, services and advertisements offered to you through the Site are served on, or contain links to, websites hosted and operated by a company other than HealthIO ("Third Party Site").  HealthIO does not disclose your Personal Information to these Third Party Sites without your consent, but you should be aware that any information you disclose to the other websites once you access these other websites is not subject to this Privacy Policy.  HealthIO does not endorse and is not responsible for the privacy practices of any Third Party Site.  You should review the privacy policy posted on the other website to understand how a Third Party Site collects and uses your Personal Information.


Do Not Track Browser Settings

HealthIO supports the "Do Not Track" browser setting.  Do Not Track (or DNT) is a preference you can set in your browser to let the websites you visit know that you do not want them collecting certain information about you.  HealthIO does not disable your browser's Do Not Track settings should you choose to enable this browser preference.



HealthIO may use cookies or similar files or scripts throughout its website to enhance your convenience in using the Site, to improve search functionality or to hold information that you would otherwise need to re‑key.  Cookies are text files collected by a user's web browser.  If you do not wish to accept cookies from the Site, you may configure your web browser so that it does not accept cookies; however, you may lose certain functions available on the Site.


Changes to Privacy Policy

HealthIO reserves the right to change its Privacy Policy at any time without prior notice. Any changes to this Privacy Policy will be posted on this page and will be effective immediately upon posting.


Governing Law and Jurisdiction

This Privacy Policy, and HealthIO's collection and use of Customer Information, shall be governed and interpreted in accordance with the laws of the United States and the State of Wisconsin.  Any disputes arising out of this Privacy Policy shall be adjudicated in a court of competent jurisdiction in the State of Wisconsin.


Governing Language

Any translation of this Privacy Policy is done for local requirements and in the event of a dispute between the English and any non-English versions, the English version of this Privacy Policy shall govern.



HealthIO is committed to preventing others from unauthorized access to the Personal Information you provide to HealthIO, and HealthIO maintains commercially reasonable procedures and technology designed for this purpose.  The Site has reasonable technical and organizational security measures in place to protect the loss, misuse or alteration of information under HealthIO's control.  However, HealthIO cannot guarantee that unauthorized third parties will never be able to defeat those security measures.  Although HealthIO cannot guarantee that its systems are 100% secure 100% of the time, HealthIO periodically updates and tests its technology in order to improve the protection of customer information.

HealthIO suggests that you install anti-virus software on your computer and routinely check for viruses, keyloggers, spyware and other programs that may become installed on your computer without your permission. If you believe that you have received a virus from HealthIO, please contact HealthIO as soon as possible so that remedial measures can be taken to remove the virus for our system.

Choice/Opt Out and Contact Information

You may request copies of or have HealthIO make changes or corrections to Personal Information in HealthIO's possession by contacting HealthIO at

You may opt out of receiving further communications from HealthIO through any of the following methods:

  • Send an e‑mail to

  • Send a request by mail to:  Milliman HealthIO, 15800 W. Bluemound Road, #100, Brookfield, WI 53005