One of the questions that medical professionals ask is what is HIPAA? This is a 1996 Act that was introduced to make sure that people who changed their jobs could still be able to access quality health care coverage and to protect private health care information. However, it was only fully implemented in 2003. Before the introduction of the Health Insurance Portability and Accountability Act (HIPAA), it was hard or even impossible for people to change their insurance carriers without having to face exorbitant premiums or lowered coverage.
What Is HIPAA
Prior to HIPAA, if one lost his/her job, which meant that he/she also lost his/her insurance coverage, the other insurance provider that he/she used would classify the needs of the person as pre-existing conditions. By dong this, the insurance provider only had to pay very little or fail to pay anything for the services that were needed to treat such conditions even though the person was paying health insurance premiums to the company. As an illustration, if a person was taking medicine for hypertension, the new insurance company would refrain from paying for his/her medication since it would regard it as being a pre-existing condition. However, the premium would not change and it could last for a period of a year - what is HIPAA is becoming clearer.
Health Insurance Portability and Accountability Act (HIPAA) disallows pre-exiting condition policies, requires new insurance carriers to renew insurance policies and bars insurance providers from charging high premiums that are based on a client's health information. HIPAA's intention is to make it possible for insured people to transfer coverage between insurance providers. This measure ensures that those who change their jobs do not forgo having health insurance coverage due to hardships in getting coverage or due to expensive premiums.
HIPAA was also introduced to serve the purpose of protecting private health care information and creating a uniform standard when it comes to how personal information is dispersed. HIPAA offers legal protection to people who have health insurance coverage. The Act also lays down rules as to who can access this personal information. When patients visit healthcare providers, they have to sign a HIPAA agreement, which states that they should receive the Notice of Privacy Practices statement. Are you getting a better understand of what is HIPAA?
The statement specifies the manner in which healthcare providers can use the personal information of their patients, when they can use it and who they can give the information to. People have the right to access their personal health safety information whenever they need it. They also have the right to know the parties who have accessed their healthcare information. Patients who visit a particular facility may times only have to sign the HIPAA agreement once. It empowers patients to view their records any time and get copies if they desire. It also empowers them to make necessary corrections to their records. So what is HIPAA makes more sense.
What Is HIPAA
It is mandatory for all healthcare providers in the United States to comply with the specified regulations of HIPAA. Its provisions seek to simplify the healthcare system and enhance patient security. HIPAA offers the Health and Human Services Department (HHS) the authority to come up with uniform controls for managing and transferring sensitive information. This includes determining the codes that should be utilized in identifying medical and administrative expenses. It also gives the HHS the ability to come up with a national identification system for health care institutions, clients and insurance providers. It also gives the HHS the power of implementing necessary procedures for securing personal information and protecting the privacy of healthcare information so what is HIPAA should be clear.Tags: health insurance coverage, bars insurance providers, lost his/her insurance coverage, national identification, high premiums, insurance carriers, health insurance