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LaPorte, IN
Miami, FL
Belleville, IL
Maximize revenues
Maximize your healthcare collections revenues

Our market-leading solutions use the best in talent, tech, training, quality, compliance and self-audit to significantly boost your collections revenues.

Deliver great CX
Deliver a world-class customer experience

Our healthcare-focused operating environment ensures the necessary flexibility and sensitivity to deliver excellent customer satisfaction scores.

Cutting-edge technology
Stay ahead with cutting-edge technologies

Our advanced analytics produce actionable insights into your customers' behaviour, while our RPA technology streamlines and consolidates your business processes.

Reduce collections costs
Reduce your collections costs by up to 50%

We offer scalable, flexible delivery models with a judicious mix of on-shore and off-shore resources, allowing us to design the optimal solution for your needs.

Comprehensive suite of healthcare collection service programs
First party early out services
Third party collections
Credit bureau reporting: TransUnion, Experian, Equifax
Advanced healthcare analytics
Scoring strategies & account segmentation
Dispute resolution
Litigation services
Customized calling & letters campaigns
Negotiating & monitoring partial payment plans
Healthcare payer debt collection services

We work with leading healthcare plans across the United States to assist in the resolution of the following common account receivable problems facing healthcare insurers:

  • Current active and inactive members
  • Overpayments and duplicate payments from participating and non-participating providers
  • Unpaid earned premiums
  • Individual and group plans
Healthcare provider debt collection services

We serve a wide variety of healthcare providers – hospitals, physician groups, large national healthcare systems, small rural hospitals, and government facilities.

Through advanced scoring technology, we predict a patient’s propensity to resolve their account, and prioritize accounts based on demographics and collectability.

Our solutions are custom-tailored to our clients, and with 60+ years of experience in US healthcare, we know the industry inside and out.

Our clients share their experience
"We have chosen One Advantage as our exclusive collections services partner because of their exemplary customer service and strategic insight. One Advantage takes a proactive approach managing our patients and their experience which helps them to provide optimal recovery dollars on our accounts. Their active outreach, communication and forward thinking sets them apart from the competition.”

Julie Phillips, Executive Director of Revenue Cycle, Beacon Health System
Compliance & quality assurance

One Advantage has a dedicated Compliance & Quality Assurance department responsible for daily monitoring of all state and federal regulations and legislation impacting collections for the Healthcare marketplace.

We are one of the founding members of the “Customer Relations Consortium” that works closely with the CFPB and other regulatory bodies at the state and federal level to share best practices for the collection industry and communicate with these same bodies on proposed and needed changes.


Learn more

Global top 20 collections BPO service provider
1,600+ collections professionals nationwide
60+ years serving the US healthcare industry
About One Advantage
Delivering excellence in healthcare collections since 1958

One Advantage provides US healthcare payers and providers with comprehensive collections services designed to ensure smooth flow and performance excellence from start to finish. Our solutions are designed to reduce bad debt, improve cash flow and create value for our clients nationwide.

One Advantage is a Firstsource company. This partnership gives us access to leading technologies in AI, advanced analytics, robotic process automation, workflow management and more to ensure you stay ahead of the curve.

Over the years, we've established an unsurpassed reputation in the healthcare industry for meeting and exceeding our client’s expectations. We enter into every client relationship with the goal of creating a long-term partnership.

Our leadership team
Deb Hen Spoor
Deb Henn Spoor

Regional Vice President

La Porte, Indiana

Manny Rodriguez
Manny Rodriguez

Regional Vice President

Miami, Florida

If you are looking for a rewarding career, join us!

OneAdvantage is a people-centric company and a great place to work, built around a core of professionalism, meritocracy and innovation. At OneAdvantage, we have a professional, high performing and vibrant work force. Our values are integral to our success, and they are what differentiate us from the rest.

OneAdvantage provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws.


Explore Open Positions

Fake Employment Offer Fraud Alert

One Advantage does NOT ask for payments, checks, or advance deposits as part of the recruitment process. One Advantage does NOT ask you to buy equipment during the employment offer process. One Advantage does NOT ask applicants to share personal financial or bank information during the job interview or offer process. Read More...

Let's talk

Belleville, IL

+1 (800) 229-6564
(618) 222-9865

7650 Magna Drive
Belleville, IL 62223


La Porte, IN

(800) 332-1962
(219) 324-6835

1232 W. State Road 2
La Porte, IN 46350


Miami, FL

7715 NW 48th Street Suite 100 Doral,
FL 33166

Tom Estopare

Tom serves as Division President for the Healthcare Collections Division, One Advantage, a Firstsource company, supporting three offices and a team of over 200 employees.

Prior to joining Firstsource in 1992, Tom established significant collection experience holding key roles for several large credit-granting corporations including Transamerica and Computer Science Corporation (CSC). His 30+ years of collection experience has made him an expert in the area of healthcare collections and receivables management.

He is extremely committed to delivering excellent client service and does “whatever it takes” to achieve client goals and meet their revenue cycle needs.

Martin Payne

Martin has been involved in the credit and collection industry for more than 35 years and is responsible for the operation or our Belleville, Illinois service center. He began his career with GC Services in 1980 as an account representative, over the course of his career, has held a variety of positions within the industry, each one consistently increasing his experience in receivables management and rewarding his prior successes with increasing responsibilities.

Prior to assuming his duties with One Advantage in 2001, Martin served as general manager of the NCO regional processing center in St. Louis. He provides innovative solutions that maximize account representative productivity and accelerate revenue on behalf of clients. In addition, he has a track record of developing results-based incentive programs for account representatives to quick-start reimbursement results for our client base.

Manny Rodriguez

A member of the Firstsource team since 2001, Manny has more than 23 years of experience in the credit and collections industry. He is responsible for the management of collection services for self pay and all bad debt inventories in One Advantage’s Miami, Florida service center.

Manny has significant expertise establishing workflows for new portfolios of business based on client specifications and expectations, as well as creating custom reports to meet the client’s needs.

Deb Henn Spoor

Deb is responsible for leading the company’s business operations and executing business strategies while ensuring operational excellence and managing client relationships in the La Porte, Indiana office.

Deb joined the Firstsource Company in 2001 and has held a number of leadership roles with other Accounts Receivable Management and Collection industry companies for over thirty (30) years. Deb has been instrumental in growing existing client relationships over many years by demonstrating her expertise in Healthcare Collections and Compliance.

Prior to joining Firstsource in 2001, Deb was Director of Client Service at Argent Healthcare, Inc. and Manager of Client Services at MedAssist Group, Inc.

At One Advantage, we hire based on talent and merit

One Advantage does NOT ask for payments, checks, or advance deposits as part of the recruitment process. One Advantage does NOT ask you to buy equipment during the employment offer process. One Advantage does NOT ask applicants to share personal financial or bank information during the job interview or offer process. Please be cautious of any suspicious communication about job offers or interviews. We will NOT ask you to share personal financial details like bank account numbers, make payments like processing fees or security deposit, or perform any other favor as part of the interview or job offer process.

Some easy-to-spot indicators of fraudulent job offer and interview letters

  • They are often vague, not well written, and contain grammatical and spelling errors
  • They request personal financial details like bank account numbers or payments such as processing fees or security deposit
  • They often come from pubic email IDs
  • Be careful! Third parties may illegally use our logos on fraudulent materials
  • They often promise compensation higher than the industry average
  • They are usually ‘work from home’ openings that do not require you to visit the company office at all
  • The contact address, phone numbers given in the email are often non-existent and false

What should you do

  • If you come across any job offer / interview request / recruitment opportunity with One Advantage that you are suspicious of, please inform us on firsthireoffers@firstsource.com.
  • In case you receive any such emails, please do not make any payment or share any personal financial information
  • In case you have already made a payment file a complaint with local authorities immediately
Compliance

One Advantage's management regularly meets with key officials, regulatory agencies and various representatives concerning the implementation of HIPAA requirements and privacy of information for patients and consumers. Our objective is not only to understand the requirements and ensure compliance, but also to help ensure our clients do so.

We openly communicate with our clients on both recently passed as well as proposed changes that impact both of our efforts in working within the revenue cycle area for Healthcare.

One Advantage is committed to comply with HIPAA, including the Privacy, Security and Electronic Transaction standards. Firstsource has implemented policies, processes and procedures designed to ensure compliance with these standards. We monitor and audit changes in these standards for compliance and effectiveness. From new hire training to annual certification, our agents and management team receive constant updates and training to ensure compliance and understanding of all state and federal laws including HIPAA, FDCPA, TPCA and additional areas impacting our daily operations as a collections organization.

Systems, policies and procedures are regularly evaluated for further development and enhancement and are managed through our Change Control Management System before being rolled out to our team.

Terms & Conditions
BEFORE USING ANY WEB PAGES OR INFORMATION CONTAINED HEREIN OR LINKED HERETO, YOU SHOULD CAREFULLY READ THE FOLLOWING IMPORTANT TERMS AND CONDITIONS, INCLUDING DISCLAIMERS.

The following terms and conditions ("Terms and Conditions") govern your use of the World Wide Web Site located at www.oneadvantagellc.com (this "Website"). This Website is intended for authorized users only. By accessing, viewing, or using the content, material, or services available on or through this Website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions or you are not an authorized user, you are not granted permission to use this Website and must exit immediately.

These Terms and Conditions may be changed at any time. It is the obligation of users visiting the Website to review the Terms and Conditions for any changes since their last visit. This Website has been prepared solely for the purpose of providing information from and conducting transactions with One Advantage in order to provide account information, make payments and collect debts. Without limiting the generality of anything else, One Advantage makes no commitment, and disclaims any duty, to update this Website or any of the information obtained through this Website, and it shall not be responsible for any errors or omissions in the Website. One Advantage reserves the right to add, modify or delete any information on this Website at any time, with or without notice.

Any information, services, or materials offered by or through this Website shall not be construed as or understood to be financial, investment, legal, tax or accounting advice of any kind and should not be relied upon as such.

Proprietary Information

Permission is granted to download and print materials from this Website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this Website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission One Advantage is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any Website materials is strictly prohibited.

All names, trademarks, service marks, symbols, slogans, or logos (the “Marks”) appearing on the Website are proprietary to One Advantage or its affiliates. Use or misuse of these trademarks without advance written consent from One Advantage is expressly prohibited and may violate federal and state trademark law. Marks may not be used without One Advantage's prior written consent and may not be used in connection with any product or service that is not the property of One Advantage in any manner that is likely to cause confusion among customers as to source or sponsorship, or in any manner that disparages, tarnishes, dilutes, or discredits One Advantage.

All information you submit to One Advantage via the Website may be considered to be the property of One Advantage, and One Advantage is free to utilize any information you submit for the purpose of debt collection. One Advantage grants you a non-exclusive, non-transferable, limited license to access, use and display the Website and the information, graphics, content and materials thereon ("Content") and any software that may be necessary to use the Website.

DISCLAIMERS OF WARRANTY AND LIABILITY

ONE ADVANTAGE IS NOT RESPONSIBLE FOR ANY INACCURACIES, ERRORS (INCLUDING TYPOGRAPHICAL ERRORS) OR OMISSIONS, OR FOR THE RESULTS OBTAINED FROM THE USE OF THE WEBSITE OR THE CONTENT. THIS WEBSITE, THE CONTENT, LINKS AND ANY OF THE SERVICES MADE AVAILABLE THROUGH THIS WEBSITE ARE MADE AVAILABLE "AS IS” AND "AS AVAILABLE." USE OF THIS WEBSITE IS ENTIRELY AT YOUR OWN RISK. ONE ADVANTAGE MAKES NO REPRESENTATIONS OR WARRANTIES, AND DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, WRITTEN OR ORAL, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR USE, ACCURACY, COMPLETENESS, NON-INTERFERENCE, NON-INTERRUPTION OF USE, QUALITY, TITLE, AND NON-INFRINGEMENT. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITES. ONE ADVANTAGE SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, EXTRA-CONTRACTUAL, OR PUNITIVE DAMAGES OF ANY KIND WHATSOEVER, INCLUDING, WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY OR DO RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THIS WEBSITE, THE MATERIALS ON AND IN AND MADE AVAILABLE THROUGH THIS WEBSITE, OR THE SERVICES, INFORMATION, AND PRODUCTS OFFERED IN CONNECTION THEREWITH, REGARDLESS OF LEGAL THEORY, WHETHER OR NOT ANY PARTY HAD BEEN ADVISED OF THE POSSIBILITY OR PROBABILITY OF SUCH DAMAGES, AND EVEN IF THE REMEDIES OTHERWISE AVAILABLE FAIL OF THEIR ESSENTIAL PURPOSE. UNDER NO CIRCUMSTANCES WILL THE TOTAL LIABILITY OF ONE ADVANTAGE TO YOU OR ANY OTHER PERSON OR ENTITY IN CONNECTION WITH, BASED UPON, OR ARISING FROM THIS WEBSITE, THE MATERIALS ON AND IN AND MADE AVAILABLE THROUGH THIS WEBSITE, OR THE SERVICES, INFORMATION, OR PRODUCTS OFFERED IN CONNECTION THEREWITH EXCEED THE PRICE PAID BY YOU FOR USE OF THIS WEBSITE. SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, AND, AS SUCH, SOME PORTION OF THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, ONE ADVANTAGE'S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Indemnification

You agree to defend indemnify, and hold harmless One Advantage and all of its respective owners, directors, officers, employees, representatives, proprietors, partners, shareholders, clients, contractors, consultants, principles, agents, predecessors, successors, affiliates, assigns, accountants, and attorneys from and against any and all suits, actions, claims, proceedings, damages, settlements, judgments, injuries, liabilities, obligations, losses, risks, costs and expenses (including, without limitation, attorneys' fees and litigation expenses) relating to or arising from this Website, and the materials and information contained therein, your use of the Website, your transmission of any email to the Website (including the content of any such emails), your fraud, violation of law, or willful misconduct, and any breach by you of these Terms and Conditions.

Use of the Internet and Third-Party Materials

Without limiting the generality of the foregoing, other sites that may be listed or linked in this Website are not under the control of One Advantage. Accordingly, One Advantage can make no representation concerning the content of these sites to you, nor can the fact that One Advantage has given you this listing serve as an endorsement by One Advantage of any of these sites. One Advantage is providing links to these sites as a convenience to you. One Advantage has not tested any software that may be found on these sites and therefore cannot make any representations regarding the quality, safety or suitability of any software found there. There are inherent dangers in the use of any software found on the Internet, and One Advantage cautions you to make sure that you completely understand the risk before retrieving any software on the Internet. One Advantage is not responsible for any content, information, products, services, or software offered by any other party or at any other web site. One Advantage does not control, endorse, promote, or have any affiliation with any other website unless expressly stated herein.

Privacy Statement

One Advantage has a Privacy Notice setting forth One Advantage's online information gathering and dissemination practices with respect to the Website. Click on the link at the bottom of this screen entitled “Privacy Policy” which is incorporated into these Terms and Conditions by reference, as if set forth fully herein.

Governing Law and Jurisdiction

These Terms and Conditions, including, without limitation, the Privacy Notice, represent the entire agreement between you and One Advantage with respect to the subject matter hereof, and supersede any and all prior and contemporaneous written and oral representations, understandings, and agreements, express and implied, and will be governed by and construed in accordance with the laws of the State of New York, without reference to its conflict of law rules. By accessing, viewing, or using the works, content, or materials on this Website, you consent to the exclusive jurisdiction of the federal and state courts presiding in Erie County, New York, and agree to accept service of process by personal delivery or mail and hereby waive any and all jurisdictional and venue defenses otherwise available.

The Website is not intended for distribution to, or use by, any person or entity, or any jurisdiction or country where such distribution or use would be contrary to local law or regulation, would subject One Advantage to any liability or would not give effect to all of the provisions in this Agreement. You may not access the Website or the content in such jurisdiction or country, or where such access is illegal or prohibited or where such access would subject One Advantage or its affiliates to any liability. Those who choose to access this Website from such locations do so of their own volition and are responsible for compliance with applicable laws.

Malicious and Illegal Activites Prohibited

It is prohibited to use the Website in violation of the terms herein, in any manner which could damage, disable, interrupt, overburden, or impair the Website or interfere with any other party's use and enjoyment of the Website or for any illegal activities. Illegal activities include, but are not limited to, tampering with information data bases and software, unauthorized entry to other networks or computers, trafficking in illegal products or substances, violating civil rights laws or knowledgeable vandalism or destruction of online files or any other malicious or tortious activity. You shall comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Website including U.S. export laws and regulations, which regulate the distribution of materials and services originating in the United States.

General

The waiver or failure of One Advantage to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of any of the other rights established under these Terms and Conditions. All rights and remedies given to One Advantage in these Terms and Conditions are cumulative and not exclusive of any other rights or remedies which One Advantage otherwise has at law or in equity. Any rights not otherwise expressly granted by these Terms and Conditions are reserved by One Advantage. Captions are for convenience only. If any part of these Terms and Conditions is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms and Conditions shall continue in effect. One Advantage reserves the right to terminate your access to this Website in the event that you violate these Terms and Conditions or for any reason whatsoever or no reason, with or without notice, in addition to any and all other remedies available at law or in equity.

Privacy Policy

One Advantage recognizes the importance of maintaining the privacy and security of your personal information, including the privacy of your individually identifiable health information.

  • We do not sell or otherwise share non-public information with nonaffiliated third parties who may wish to use the information for their own benefit or who are not performing a function necessary to support our collection-related services as described below.
  • We have policies and security safeguards in place to protect your information.

The following privacy policy applies to all individuals whose non-public personal information may be placed with our company for the purpose of collection-related services.

Non-public Information

means information about you we receive in the due course of collection-related business. Non-public information does not include information that is available from public sources, such as telephone directories or government records.

Affiliate

means a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

Non-affiliated Third Parties

means companies not affiliated with One Advantage.

We only disclose information to affiliated and non-affiliated third parties as permitted or required by the federal Fair Debt Collection Practices Act (“FDCPA”). We may share information we collect with third parties that provide mailing and/or other collection-related services to us. When we share your information with these companies, they are required to limit their use of your information to the particular purpose for which it was shared and they are not allowed to share it with others except to fulfill that limited purpose. In addition, if permitted by FDCPA, we may also share your information with our affiliates and non-affiliated third parties if also permitted by applicable law.

We restrict access to non-public personal information about you to those employees who need to know that information to service your account or manage our business. We maintain physical, electronic, and procedural security measures to protect your information. You may have other privacy protections under state laws. We reserve the right to amend this privacy notice at any time with or without notice.

Privacy Protected under the Health Insurance Portability and Accountability Act of 1996 ("HIPAA")

One Advantage complies with all requirements for privacy and confidentiality set forth in HIPAA and any other federal and/or state law applicable to your personal health information (“PHI”). In complying with the requirements of HIPAA, One Advantage shall not use or disclose your PHI except for purposes of performing collection-related services and except for other HIPAA authorized purposes, including but not limited to sharing PHI when federal or state law requires it and in response to a court or administrative order, or in response to a subpoena.

Privacy Notice for California Residents

One Advantage, LLC (“we,” “our,” or “Firstsource”) respects your privacy and are committed to providing a transparent notice of our Privacy Notice and Disclosure for California Residents. This Privacy Notice and Disclosure for California Residents applies solely to those who reside in the State of California (“consumers” or “you”).

This Privacy Notice for California Residents supplements the information contained in our privacy policy and applies solely to all visitors, users, and others who reside in the State of California (”consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.

Effective Date: January 01, 2020
Last Review Date: December 18, 2020

  • Your “Right to Know” about personal information collected, used, and disclosed including:
    • What categories of personal information we collect from you and the purpose for its collection
    • How we use those categories personal information
    • How we share the personal information you entrust to us
  • Transparency about or our commitment not to sell your data now or in the future
  • Your “Right to Delete” personal information
  • How to submit a verified consumer request for your Right to Know or Right to Delete
  • How to use an authorized agent to submit a verified consumer request
  • Your “Right to Non-Discrimination” for the exercise of a privacy right
  • Changes to our privacy notice
  • Our contact information
Your Right to Know:

You have the right to request that the Company disclose what personal information it collects, uses, discloses, and sells. You can do this through a verified consumer request. That process is described below.

We collect personal information, which means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“personal information”). The following table includes disclosures of the personal information we collect from consumers and have used in the past 12 months, followed by an explanation of the purposes for which it is collected and used, the categories of sources from which it was collected and categories of third parties with whom we share the personal information.

Category Examples Collected Used in the past 12 months
A.Identifiers A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. Yes Yes
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security number, , address, telephone number, passport number, driver's license or state identification card number, insurance policy number, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. Yes Yes
C. Protected classification characteristics under California or federal law. Age (40 years or older), race, color, citizenship, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), veteran or military status. Yes Yes
D. Commercial information. Records of personal property or considered. Yes Yes
E. Biometric information. Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. No No
F. Internet or other similar network activity. Cookies, browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. Yes Yes
G. Geolocation data Physical location or movements. No No
H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information. No No
I. Professional or employment-related information. Current or past job history. Yes Yes
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. No No
K. Inferences drawn from other personal information. Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. Yes Yes
Use of Personal Information:

We may use or disclose the personal information we collect for one or more of the following business purposes:

  • For debt collection purposes.
  • To provide our client with information they request from us.
  • To carry out our contractual obligations for our healthcare client and your provider of care, third party administrator, insurance carrier, or other clients.
  • As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • Conduct internal research and development or otherwise improve our operations.
  • As otherwise set forth in the CCPA.
  • If you are applying for a job, then in connection with your employment application.
  • Analyzing your engagement with our company (including our website and social media).
  • To perform various internal business functions, such as auditing and activities.
  • To share your information with the Health Insurance Exchange and Health Insurance Marketplace in order to provide options for preparing, completing and updating health coverage applications.
  • If another company acquires, or plans to acquire, our company, business, or our assets, we will share information with that company, including at the negotiation stage.
Please note that Personal Information does not include:
  • Publicly available information from government records.
  • De-identified or aggregated consumer information.
  • Information excluded from the CCPA's scope, like:
    • health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (CalFIPA), and the Driver's Privacy .

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without your consent.

How we obtain information:

We obtain the categories of information listed above from the following categories of sources:

  • Directly from the individual, our clients, or their agents. For example, from electronic data file transfer that our clients provide to us related to the services for which they engage us.
  • Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them.
  • Directly and indirectly from activity on our websites. For example, from submissions through our website portal or website usage details collected automatically. If you fill out a contact us form or other information you provide to us on our website or mobile applications.
  • If you interact with us on social media.
  • From third-parties that interact with us in connection with the services we perform. For example, from government agencies when we are applying for or obtaining an update of medical assistance.
  • From third-parties that we have received information from as supporting documentation for a pending assistance application.
  • From unaffiliated service providers who provide functionality and analytics regarding website and social media usage.
Personal Information Disclosed for Business Purposes:

We may disclose consumers’ personal information to third-parties to perform the following activities

  • Auditing for legal and regulatory compliance
  • Security for detecting security breaches
    • Protecting against fraud and malicious activity
    • Taking action against wrongdoers (e.g. fraudsters and hackers)
  • Debugging
    • Identifying and fixing technical errors
  • Performing services
    • Account maintenance
    • Customer service
    • Processing transactions
  • Internal research to develop or demonstrate technology
  • Testing or improvement of any service or device “owned, manufactured, manufactured for, or controlled by” Firstsource.
  • To service providers who provide functionality and analytics regarding website and social media usage.
  • Cloud hosting
  • Information technology support
Right to Access:

Consumers have the right to request access to personal information. We have two (2) methods for submitting requests. Consumers can make this request for free, twice per year. Requests shall be sent to oneadvantageccpa@oneadvantagellc.com or by calling 1-800-736-2107 ext 53107.

Upon receiving an access request, we will confirm receipt of the request from the consumer within ten (10) days of the request. We will provide the necessary information in a portable and easily accessible format, as requested by the consumer in a format feasible to us, within 45 days of the request. We will respond based on the personal information collected over the previous twelve (12) months.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

At the request of a consumer, we will include:

  • The categories of personal information we have collected about the consumer
  • The categories of sources of the consumer’s personal information
  • The business or commercial purpose for collecting the consumer’s personal information
  • The categories of any third parties with whom we share the consumer’s personal information
  • The specific pieces of personal information collected about the consumer

Please note that, in responding to your request, we are not permitted to disclose or provide you with your Social Security Number, Driver’s License Number, or other government issued identification number, financial account number, any health insurance or medical identification number, an account password, or security questions and answers.

Right to Deletion:

The consumer has a right to request the deletion of personal information that we hold on the consumer. This right does not apply where Firstsource or its service provider(s) needs to retain the personal information in order to do any of the following:

  • Provide goods or services to the consumer
  • Detect or resolve issues security or functionality-related issues
  • Comply with the law
  • Conduct research in the public interest
  • Safeguard the right to free speech
  • Carry out any actions for internal purposes that the consumer might reasonably expect
Non-Discrimination:

Firstsource will not discriminate against any consumer for having exercised their rights under the CCPA. In particular, Firstsource will not:

  • Deny the consumer goods or services
  • Denying benefits or impose penalties
  • Provide the consumer with a different level or quality of goods or services to the consumer
  • Threaten the consumer with any of the above
Selling Consumer Information:

We do not sell consumer information and have not sold consumer information in the past twelve (12) months.

Changes to Our Privacy Notice:

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on the Website and update the notice’s effective date. Your continued use of our Website following the posting of changes constitutes your acceptance of such changes.

Contact for More Information:

If you have any questions or comments about this notice, the ways in which we collect and use your information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: 1-800-736-2107 ext 53107
Website: https://www.firstsource.com/contact/
Email: oneadvantageccpa@oneadvantagellc.com
Postal Address:
One Advantage
Attn: Privacy Officer
10400 Linn Station Rd, Suite 100
Louisville, KY 40223

Security Policy
Consent to Allow Electronic Communication of Account Information or Protected Health Information via Email

The information provided by One Advantage LLC, its affiliates, representatives and assigns (“One Advantage”), through this web site is provided with your consent. This information is subject to any applicable state, local or federal laws regarding its collection, storage and disclosure. Federal laws require specific security measures instituted in order that non-public personal information can be communicated through electronic means. These measures may include password and account ID security for web and email access.

Email/text message entry/replies are not provided through such a secure communication protocol. To date, no standard method of encrypting email transmission is available. Even if such a method existed, by necessity, the email address of the receiver would be contained within the email in non-encrypted form. One Advantage requires your consent to such transmission via email before such transmission will be allowed.

Risks

Please be aware that email communication can be intercepted in transmission or misdirected.

Your use of email to communicate protected account information to us indicates that you acknowledge and accept the possible risks associated with such communication. Please consider communicating any sensitive information by telephone, fax or mail. If you do not wish to have your information sent by email, please contact the sender immediately.

Consent

I hereby authorize One Advantage to communicate with me via email at an address provided by me or otherwise obtained by One Advantage. I also agree to hold One Advantage harmless for any disclosure to a third party via email. I understand that I may still receive notifications from One Advantage by mail for this or any other matter. I further acknowledge that One Advantage may need to contact me by telephone to discuss this or any other matter. I consent to being called at any telephone number, including my cell number, regardless of how One Advantage obtains my cell number. I specifically consent to receiving calls on my cell number including those made through an automatic dialer device in order to improve communication with One Advantage.