Health Insurance Portability and Accountability Act (HIPPAA)

HIPAA stands for Health Insurance Portability and Accountability Act and in 1996 the U. S. Congress enacted it. The purpose of HIPAA law is improving the system of health insurance. Each of the providers of healthcare, health government plans, and health organizations is required to obey the HIPPAA law’s regulations.

The first HIPPAA title protects health insurance coverage for employees and their loved ones. It corrected the Public Health Service Act, the Internal Revenue Code, and the Employee Retirement Income Security Act. The second HIPPAA title is called also AS or Administrative Simplification provisions. It assists individuals in order to keep their personal information. This is the about protecting the information of a patient. The second title requires the Department of Health and Human Services (HHS) to summarize rules which purpose is to increase the health care system effectiveness through spreading the information of health care and making standards for use.

The HIPPAA Privacy Rule (from 16.10.2003) regulates the disclosure and use of particular information in possession of health insurers, service medical providers and so on. It is a regulation for PHI or Protected Health Information. The PHI is the information of an individual that concerns health care provision, health care payment, or health status. Thanks to the Privacy Rule, the individuals have the power to ask for that a covered entity make right any wrong PHI. This rule makes the covered entities inform the people of any uses of their PHI.

Every individual can complain to the Department of Health and Human Services if he/she believes that the Privacy rule is not upheld. After they receive the complaint, they can take some actions against insurers, doctors, hospitals, or anyone else that violates the rule.

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Things You Need To Know About A Health Insurance Plan

If you have decided to purchase a health insurance plan, then it is important that you consider some very important things that will help you choose the best plan. There are many different providers of health insurance such as hospital plan insurance services who are dedicated to providing a wide range of health insurance services suitable for your needs. Whether you are choosing between a corporate health insurance plan or an individual health insurance plan, it is important that you know what you need to look for.

In most cases, it is not enough to compare premium costs. It is important that you develop a check list so you know how you will use your insurance. For example, if you do not have a child and you are young and healthy, you may have to choose plan that has higher deductibles and co-pays and lower premium costs. On the other hand, if you have two children and are pregnant with a third child, you may consider choosing a plan that covers prenatal care, routine checkups and so on. If you are 50 plus, unhealthy and sick, you will have to consider buying a plan which gives you access to specialists and surgeons.

There are many different types of insurance plans available today that you can choose from. However, there are also certain things that you need to know about a health insurance plan.

1. Health insurance can be expensive, but not having one can be even more expensive – if you consider the amount you pay your health care provider for each visit, you will see that your out of pocket cost per year is in hundreds of dollars. Now if you also consider an injury suffered in a minor accident or being struck with some illness, it could drain your savings completely. Are you ready to be pushed into bankruptcy? The best bet is to have a health insurance plan.

2. It is always good to compare plans – before you make the final purchasing decision, it is a good idea to compare the different plans. Shop around and find out what is covered in one plan and not in the other. Also find out if your employer offers health insurance coverage.

3. Plan that has a low premium doesn’t mean it is the cheapest – in today’s world, no one wants to spend more than that is needed. So you also have to make sure that your investment is worthwhile. Lowest premium doesn’t mean that the plan is the cheapest. Check out other things such as prescription drug coverage and coverage for emergency care and checkups. You will be surprised to see that most of the services that you require will not be covered under such a plan and it will incur out of pocket expenses.

4. Look for the missing pieces – does your plan provide coverage for all the necessary health care services? How about mental health care, dental care and vision care?

5. How much freedom are you getting – more freedom means higher premium. Find out what kind of services you need. Do you want privacy and convenience? Do you want to be treated in a private ward? The more flexibility you get, the more you will be paying.

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