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How has HIPAA affected our lives? For example, obtaining a prescription, obtaining medical information regarding a family member, and so forth.
HIPAA, the Health Insurance Privacy and Accountability Act, limits the pre-existing condition restrictions that a group health insurance arrangement can enforce. [ [ [ It gives group health plans the ability to exclude conditions for the first 12-months (in some cases 18-months) only if the insured had a significant break in creditable health insurance coverage (which excludes coverage like major medical) that lasted more than 62 days. This protection means that as long as you have continuous coverage, a group policy cannot exclude your pre-existing condition. But HIPAA also protects the
privacy of your medical records, something that?s become increasingly important in this digital age. The way that your sensitive health information is handled and disbursed is tightly regulated and penalties are explained within the act, giving many businesses the encouragement they needed to train staff in proper data handling and enforce compliance. Between helping secure your coverage and protect your information, HIPAA is one of the most valuable legislative protections to affect the insurance industry in recent years. ] ] ]
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Expert answered|jher000|Points 7242|
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Asked 5/11/2012 2:03:55 PM
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