The article, “Insurance dependents can face special challenges on privacy” by Michelle Andrews, recently posted in The Washington Post details the liabilities insurance dependents could come in contact with as a result of HIPAA regulations and insurance billing. “The privacy rule of the federal Health Insurance Portability and Accountability Act (HIPAA)… generally prohibits the unauthorized disclosure of individuals’ medical records and other health information. But there’s a catch. Health-care providers and insurers can generally use such information when trying to secure payment for treatment or other services.” This can be a big problem for dependents undergoing sensitive treatments such as substance abuse programs, care and treatment for sexually transmitted diseases, contraception, and mental health support because the bill can be submitted to the policy holder with the treatment outlined in full depending on state law.
Be informed about your state law and insurance policy and ensure your privacy!
- “Under federal privacy regulations, patients can request that insurers not disclose confidential information or ask that they send it to an address of their choosing. Insurers are required to comply if not doing so would endanger the patient, says English — for example, if disclosure might pose a threat of domestic violence.”