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 Posted: Sun Jan 11, 2009 7:42 pm Post subject: |
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ok, got cha' (also proud of you for logging in...  ).... same thing only the 'begins' using drugs, five years after the policy issued we're good right?
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Lori
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| Posted: Mon Jan 12, 2009 2:27 am Post subject: insurance |
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| From what I have read, in the PREVIOUS posts, it was stated ( paraprasing here..) that 'Life Insurance has nothing to do with the HIPAA Law.'......that statement was NOT true. Life Insurance has ALOT to do with HIPAA...in THIS state ( PA) anyway....depending on the 'case'. As I CONTINUE to say, I work with one of these MOST difficult 'cases'. |
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sdchargersfan
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| Posted: Mon Jan 12, 2009 6:52 am Post subject: |
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| Quote: | | From what I have read, in the PREVIOUS posts, it was stated ( paraprasing here..) that 'Life Insurance has nothing to do with the HIPAA Law.'. |
Sorry, but i couldn't find where it is written that the life policies have nothing to do with the HIPAA laws, rather I seemed that the insurers have to abide by the HIPAA regulations and can't misuse or divulge unauthorised information on the patients health to a third party.
SD, this discussion is confusing me even more. I'm really curious to know what and what not is allowed under the HIPAA laws. Can you please present the case studies that you are talking about where the insurer was forced to meet the promises when the insured died for AIDS. Since this disease is contaminating very fast, this resource would help many in distress who can't find suitable coverage for their health condition.
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bandit baby
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| Posted: Mon Jan 12, 2009 9:09 am Post subject: |
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SD..our friend lifeagent911 had expressed his opinion regarding the disclosure initially wherein he'd clearly stated how hipaa recognizes the patient's right to own some private information. On the same note he'd also shared with us how a form would be offered to the applicant seeking his permission to access his mib/rx.
So, I guess this gives us a clear picture of what it actually is - either the applicant is gonna let them access or simply forget the much needed coverage.
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anonymous00
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| Posted: Mon Jan 12, 2009 10:33 am Post subject: |
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| Quote: | | So, I guess this gives us a clear picture of what it actually is - either the applicant is gonna let them access or simply forget the much needed coverage. |
Quite so and the insurer are not only looking at the medical record of the applicants bur are also checking with their credit history. Now, if we assume that the insurers are no longer allowed to underwrite the policy holders based on their health conditions, we are required to prohibit them from viewing the credit report even before, since life risks have nothing to do with your credit scores.
~Jeremy |
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JeremyHolter
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| Posted: Mon Jan 12, 2009 12:11 pm Post subject: |
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sdchargersfan wrote:
| Quote: | | From what I have read, in the PREVIOUS posts, it was stated ( paraprasing here..) that 'Life Insurance has nothing to do with the HIPAA Law.'......that statement was NOT true. Life Insurance has ALOT to do with HIPAA...in THIS state ( PA) anyway....depending on the 'case'. As I CONTINUE to say, I work with one of these MOST difficult 'cases'. |
SD' for about the 6th time.
Please provide the link from a credible source that supports your understanding of HIPAA.
Please provide the link and legal information that supports your statement from page one of this thread:
| 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. |
This is a very simple and straightforward request that you should have no problem with unless there isn't any such provision contained within HIPAA.
SHOW-ME where you are getting your information from???
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GarySpicuzza
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| Posted: Mon Jan 12, 2009 11:55 pm Post subject: insurance |
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| NO, NO....I believe you are misunderstanding, ANONYMOUS. My 'Client' ALREADY has the Life and Medical coverage. When my Client had to 're-new/update' (about 3 months ago) his/her Medical/Life Insurance policy, she was informed she DID have to tell them she has a 'pre'existing' condition. Because of the HIPAA, she DID NOT need to reveal what that condition was. My source?...as I said, the COUNTY provides this information to the Clients caseworker and myself. Links and "creditable sources" ( as you say) don't mean a THING to me. I can post a ton of links, too..........that wouldn't mean they are 'set in stone.' |
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sdchargersfan
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| Posted: Tue Jan 13, 2009 12:22 am Post subject: |
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 Best thread ever!!!
Happily Instigating Propaganda for Angry Applicants
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GarySpicuzza
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| Posted: Wed Jan 14, 2009 2:55 am Post subject: insurance |
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| "Best thread ever?".........I thought it was pretty darn good, or I wouldn't have posted it. I've actually had a few people PM me about my 'case', involving HIPAA (Life and Medical Insurance). I've given them my 'personal' e-mail address and given them the same info I've been posting, and more 'personal' information, as well. Apparently, there ARE people 'out there' who need this information. |
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sdchargersfan
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| Posted: Wed Jan 14, 2009 12:39 pm Post subject: |
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That's great SD'!
I'd recomend those same persons get their information from a credible source such as THIS LINK from the United States Department of Health and Human Services.
Can you show me where on that web site dedicated to HIPAA there are provisions of HIPAA that support your claim from page one of this thread?
| 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. |
How Inaccurate Positions Aquire Acceptance
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GarySpicuzza
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| Posted: Wed Jan 14, 2009 10:18 pm Post subject: insurance |
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| They DID get their information from a "Credible Source"....me. One of the people, that e-mailed me, is going through something similiar ( a 'client' point of view..kind of thing). I gave this person the information that is helping MY 'Client'. |
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sdchargersfan
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| Posted: Wed Jan 14, 2009 10:24 pm Post subject: |
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Just thought I would throw this in to the conversation:
| Quote: | Who is not covered by the HIPAA Privacy Rule?
Your medical information may be available to many who are not covered by HIPAA. Here are some examples of who is not covered.
Life insurance companies.
Workers Compensation.
Agencies that deliver Social Security and welfare benefits.
Automobile insurance plans that include health benefits.
Internet self-help sites.
Those who collect health data you give voluntarily for surveys or research projects.
Those who conduct screenings at pharmacies, shopping centers, hometown fairs, or other public places for blood pressure, cholesterol, spinal alignment, and so on.
Researchers who obtain health data directly from health care providers.
Law enforcement agencies.
Even though these institutions are not covered by HIPAA, they may get information from a covered entity. |
I think there has been some confusion about HIPAA and life insurance.
I don't know what the lawsuit was about, but I just don't think it was over HIPAA. |
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InsuranceMaze
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| Posted: Wed Jan 14, 2009 11:21 pm Post subject: |
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SD' I'm starting to get the feeling you're just keeping this thread going to see how many acronyms I can make out of HIPAA.
Nobody reads marathon threads but it's fun to keep them going just for the sake of keeping them going and not to mention the $0.32653459999999 dollars per post.
Most message boards would have locked this thread long ago as once the argument clearly becomes circular the thread is pointless.
Or should I say: Hilarious Inspired Postings Actuality Abandoned
Will someone please lock this thread to stop the non-sense?
Someone with HIV/AIDS has to answer the HIV/AIDS question when applying for life insurance. They also have to consent to their blood being tested for the HIV/AIDS anti-bodies. They also have to sign the HIPAA authorization form to allow the life insurance company access to their medical records.
A person who refuses to answer the HIV/AIDS question Yes or No, refuses to sign the consent form to test their blood for HIV/AIDS and who also refuses to sign the HIPAA authorization form to release medical records WILL NOT BE ISSUED A MEDICALLY UNDERWRITTEN LIFE INSURANCE POLICY.
There is no such provision under HIPAA that allows someone to refuse to answer ANY question on the Application for Life Insurance and get the policy issued.
NONE.
Nor is there any legal cause of action whereby the life insurance company asks the HIV/AIDS question and the proposed insured asserts their privacy rights under HIPAA, refuses to answer the HIV/AIDS question and then sues the insurance company for not issuing a policy.
That is absurdly preposterous.
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GarySpicuzza
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| Posted: Thu Jan 15, 2009 6:00 am Post subject: |
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| Quote: | | Most message boards would have locked this thread long ago as once the argument clearly becomes circular the thread is pointless. |
You are right Gary, now even I too think that it is useless to continue discussion in this thread since we haven't got any useful information from Sd's side. However, I think that the admin hasn't done it yet since other posters like you, Maze and life have enriched this thread with valuable information, which would help many of our visitors in the coming days to get a full account of the activities of HIPAA.
We need to remain truthful with the information that we are providing in this board to must stop the visitors from getting misguided.
I'm taking the responsibility of locking this thread for good.
Regards,
Juanita |
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Juanita
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