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 Posted: Sat Jan 03, 2009 1:23 pm Post subject: insurance |
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| Insurance Agent?: nope, wouldn't want to be. I work in Human Resources, within 'my' company. I told you the SITUATION of the 'client'. I never said a name, etc. We are trained in HIPAA, private polices, etc. We're actually trained by the 'Aids Alliance' ( what i like to call it..) section of a local clinic here. I work with the Elderly and Handicap. I have one of the most 'difficult' cases. This is my 'full time' job. The Army Reserves is a 'part time' thing. |
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sdchargersfan
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| Posted: Sat Jan 03, 2009 3:36 pm Post subject: |
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| Ok, Looks lifeagent has this covered, I am not an agent so I am getting off this thread. Hope you all work this out. |
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goodnatured
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| Posted: Sat Jan 03, 2009 4:48 pm Post subject: insurance |
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| There is nothing to "cover" in this case. Everyone has their opionions on different issues that people have. In this 'case', it 'is what it is'. |
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sdchargersfan
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| Posted: Sat Jan 03, 2009 4:50 pm Post subject: insurance |
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| People don't HAVE to AGREE on how 'cases', like this one, are handled. They just need to accept it. |
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sdchargersfan
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| Posted: Sun Jan 04, 2009 11:23 am Post subject: |
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| Quote: | | If you get sick after the policy is in place it is a different story. |
THAT is the crux of the whole thing fire...perfect!
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Sun Jan 04, 2009 11:33 am Post subject: |
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sdchargersfan wrote:
| Quote: | | People don't HAVE to AGREE on how 'cases', like this one, are handled. They just need to accept it. |
I agree.
See THIS LINKY from the United States Government.
| Quote: | Permitted Uses and Disclosures.
A covered entity is permitted, but not required, to use and disclose protected health information, without an individual's authorization, for the following purposes or situations:
(1) To the Individual (unless required for access or accounting of disclosures);
(2) Treatment, Payment, and Health Care Operations;
(3) Opportunity to Agree or Object;
(4) Incident to an otherwise permitted use and disclosure;
(5) Public Interest and Benefit Activities; and OCR Privacy Rule Summary 5 Last Revised 05/03
(6) Limited Data Set for the purposes of research, public health or health care operations.
Covered entities may rely on professional ethics and best judgments in deciding which of these permissive uses and disclosures to make. |
| Quote: | (2) Treatment, Payment, Health Care Operations.
A covered entity may use and disclose protected health information for its own treatment, payment, and health care operations activities. A covered entity also may disclose protected health information for the treatment activities of any health care provider, the payment activities of another covered entity and of any health care provider, or the health care operations of another covered entity involving either quality or competency assurance activities or fraud and abuse detection and compliance activities, if both covered entities have or had a relationship with the individual and the protected health information pertains to the relationship. |
| Quote: | Required by Law.
Covered entities may use and disclose protected health information without individual authorization as required by law (including by OCR Privacy Rule Summary 7 Last Revised 05/03 statute, regulation, or court orders). |
So I suppose in the absence of credible information to the contrary we should all just AGREE to DISAGREE.
After all, sdchargersfan,... is correct:
| Quote: | | People don't HAVE to AGREE on how 'cases', like this one, are handled. They just need to accept it. |
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Gary Spicuzza, *SAFE
Copyright 1956.
No Rights Reserved.
*Self Appointed Financial Expert |
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GarySpicuzza
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| Posted: Mon Jan 05, 2009 2:28 am Post subject: insurance |
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| I do want to make a comment: I'm glad I'm NOT an Insurance Agent/Expert......most of them worry too much about getting their quotas each month, signing some stupid form, or quoting a bunch of 'mumbo jumbo' that means absolutely nothing. What happened to the CLIENTS' needs? That's where ALOT of my job 'comes in to play'. I'm there to 'PROTECT' the 'client'. ...to 'protect' her rights and make sure Insurance companies, Doctors, Clinics, etc. give her the respect she deserves. |
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sdchargersfan
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| Posted: Mon Jan 05, 2009 2:48 am Post subject: |
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Most of us are glad you are not an insurance agent or expert. We clearly see that you don't know what your talking about and that you are doing a lot of back tracking when confronted with facts.
I for one don't have a quota. It is in the clients best interest to have them tell the truth to an insurance company. LOL What you think means absolutely nothing does not mean anything to us real life agents. I bet you would think a lot of question an a application is "Mumbo jumbo" as you call it.
If you want to protect your client, or their rights, just be sure you know what your talking about and that you are not misinforming them.
I'm going to try once again to make the hippa simple for you. When a client is applying for insurance, they sign a hippa consent form that gives us permission to do an mib/rx check on you and to use what ever means we can, to find out details about you. If you do not sign the hippa form, then the agent can not help you and can't not sell you the insurance.
Life insurance is not some right that you has as a client. You do not have the right to lie to us either. You might want to look up the term " Insurance Fraud". That does not mean that people don't try and lie to us, because some/a few do try. Some might even get a way with it, so they think.
There are some death claims that will not be paid due to fraud, depending on the case.
Lets just look at what you said again. It was your friend instead of you client to start with. You said the hipaa law covers his right to lie to an insurance company and the insurance company refused to sell your friend insurance due to hiv/aids and they sue the company and won.
I'm going to be honest with you. I don't believe you one bit. Just tell use the name of the insurance company and we will look up the company and see if they lose a lawsuit. I bet you can't do it.
The following is what you said again on this post.
"A friend of mine has a 'pre-existing' Medical condition, that is 'covered' under the HIPAA Law. 'His' Insurance company refused to sell him Life Insurance if he did not sign a similar form ('not responsible for...). His Mother was POA. When my friend passed away, his mother sued the Insurance company and won."
"The HIPAA Law......my friend was HIV..AIDS. He din't have to divuldge any of that information to any sort of Insurance." |
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lifeagent911
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| Posted: Mon Jan 05, 2009 4:43 am Post subject: insurance |
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| I KNOW what I said. My friend, who was ONLY 36 when he died, had HIV. He passed away in December of 2005. He was a VERY DEAR friend..I knew him 17 years. I went to his 'Viewing' and his Funeral. When he passed away, his mother took in ALL of the 'evidence' she had, to a lawyer. She started 'proceedings' after my friends death. When she WON the Lawsuit, she gave ALOT of the money to the Aids Reasearch ( that kind of thing). The 'client' I take care of now is going through so much BULLS@@T with the Insurance companies, it's not even funny....BOTH Medical and Life Insurance are really giving her a hard time. THANK GOD she has 'mediation' ( the clinic she deals with, her Caseworker, and me), that she doesn't have to go through this alone. Whether you believe me or not, that's up to you. ANYONE has a "right" to have Medical or Life Insurance......even you. I don't know where you 'come off' saying that. I am SOOOO 'bitter' toward those who don't give a DAMN about other people ( sound familiar? It should). |
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sdchargersfan
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| Posted: Mon Jan 05, 2009 5:45 am Post subject: |
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I too would also request you to provide us with the information regarding HIPAA. Its certainly something very unusual that the patient doesn't have to disclose medical information to the life insurer. Then upon which the insurer will base the underwriting norms? A medical condition affects the life expectancy and therefore the insurability of the individuals. If the insurance company can't request for the certain health information then it defies the whole purpose of underwriting and somewhat works like the guaranteed issue policies, where the applicants can't be excluded of the benefits depending upon their health status.
~Jeremy |
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JeremyHolter
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| Posted: Mon Jan 05, 2009 6:02 am Post subject: |
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Well, if I presume that what Sd is stating is right, then the entire insurance industry would run into bankruptcy, they will not be able to put exclusions on smokers or can high from them. They shouldn't be allowed to turn down any applicant depending upon their health condition and should cover you under any circumstances.
As much I understand about the Health Insurance Portability and Accountability Act that it prevents misuse of the health information of the individuals and protects their privacy, but at the same time allows the insurers and medical practitioners' access to the relevant information regarding patient's health. |
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jeorge
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| Posted: Mon Jan 05, 2009 7:42 am Post subject: |
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When answering interrogatories sent to me by an Insurance Company prior to the Insurance Company resending on a Health Policy. Over half the questions stated "Does your handwriting appear in this section of the application" siting every section and page of the application. We never complete an application for an insured.
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Ins4U
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| Posted: Mon Jan 05, 2009 9:20 am Post subject: |
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| Quote: | | Just tell use the name of the insurance company and we will look up the company and see if they lose a lawsuit. I bet you can't do it. |
I don't think any insurance co. would ever do it!
The underwriters would perform a close scrutiny once you submit your insurance application and then only your policy would be issued. Also, I'm never gonna believe that any laws e.g. Hipaa are meant to cover up lies or negligence.
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anonymous00
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| Posted: Mon Jan 05, 2009 10:48 am Post subject: |
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| Quote: | | As much I understand about the Health Insurance Portability and Accountability Act that it prevents misuse of the health information of the individuals and protects their privacy, but at the same time allows the insurers and medical practitioners' access to the relevant information regarding patient's health. |
E X A C T L Y.
I think the one comment that is driving both me and lifeagent911 nuts is this:
| Quote: | | A friend of mine has a 'pre-existing' Medical condition, that is 'covered' under the HIPAA Law. 'His' Insurance company refused to sell him Life Insurance if he did not sign a similar form ('not responsible for...). His Mother was POA. When my friend passed away, his mother sued the Insurance company and won. |
Below is actual language from an actual life insurance application:
| Quote: | | This authorization complies with the HIPAA Privacy Rule. I understand that if I refuse to sign this authorization, the Company may not be able to process my application for life insurance. I acknowledge that I have the right to request and receive a copy of this authorization. |
| Quote: | Personal Health Information
I authorize any physician, health care professional, hospital, clinic, laboratory, pharmacy, medical facility, health care provider, health plan, insurer, and/or any other entity subject to the Health Insurance Portability and Accountability Act of 1996 (HIPAA) that has provided treatment, service, payment, or coverage to me within the past 10 years to disclose my entire medical record and any other protected health information concerning me to the Company, its agents, employees, representatives, insurance support organizations, and reinsurers (“the Company”). |
Now sd' is correct in the fact that you DON'T have to sign the HIPAA form, but the company won't issue a policy without it because they won't be able to evaluate your insurability without medical records.
This whole HIPAA thing is ridiculous. It has manifested itself because the disease AIDS and HIV is the ONLY medical condition that has civil rights.
Additionally, the very refusal to sign such a form has the EXACT effect that supposedly the HIPAA privacy rule is trying to protect, namely, the person who refuses to sign a HIPAA authorization form probably has AIDS or is at risk for developing HIV/AIDS.
_________________
Gary Spicuzza, *SAFE
Copyright 1956.
No Rights Reserved.
*Self Appointed Financial Expert |
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GarySpicuzza
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| Posted: Mon Jan 05, 2009 10:54 am Post subject: insurance |
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| As I said, SEVERAL times, it 'is what it is'. |
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sdchargersfan
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