Some Common Hype About HIPAA To Throw Some Light At

Since it has been in effect for several years now, most people are familiar with the Health Insurance Portability and Accountability Act (HIPAA). Although most people are familiar with the term and have a general understanding of what HIPAA entails, there are still some common misunderstandings or misconceptions about what HIPAA has actually put into effect. HIPAA is a highly detailed and expansive act that can be tricky to understand without some guidance.

As a general rule, most people need to only concern themselves with what affects them directly. Before you can truly understand how HIPAA will affect you personally, you must make sure you have not fallen prey to any of the many common misunderstandings about HIPAA.

It is important when considering all your options for health insurance or dealing with your personal health information or records, that you have a clear understanding your rights under HIPAA. There are now a number of professionals involved in HIPAA practice management and are there to guide their clients in any sort of their HIPAA legal case management and related support. Given below is a list of things HIPAA does not do or cover that are common misunderstandings:

•   HIPAA does not provide health care coverage for all full time employed individuals.
•   HIPAA does not extend health care coverage to all uninsured citizens.
•   HIPAA, a federal legislation, does not overrule or replace the state as the main regulator of health insurance.
•   HIPAA does not need employers to provide or compensate for their employees health insurance coverage or coverage for their spouse and children.
•   HIPAA do not decide or regulate health insurance premiums.
•   HIPPA does not have any requirements for health insurers to suggest specific benefits or cover certain procedures, illness, or tests.
•   HIPPA does not eliminate all pre-existing condition exclusions from health insurers, although it does limit their scope quite a bit.
•   HIPAA does not allow for employees to maintain the equivalent health care coverage from their previous employer when moving to a fresh job with a different employer.
•   HIPAA does not require that all citizens be covered under a group or individual health care or health insurance plan

Understanding how HIPAA affects you and your health coverage can seem overwhelming, but there are plenty of resources available to help you sort through the regulations. HIPAA was put into place to help individuals and their families obtain and maintain health care coverage, not to confuse them. You may want to consider a HIPAA training course or other classes on HIPAA to fully understand the act.

If you are ever questioning your options regarding health insurance coverage for you or your family, ask you current or past insurer or contact your HIPAA case management professional for more information. It helps to have a good understanding of the different types of individual and group health plans that are affected by HIPAA.

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