General Insurance PrinciplesQuestion 586 of 716
HIPAA privacy rules require insurers to:
a.Share applicants' health data with employers on request
b.Protect the confidentiality of individually identifiable health information and limit its disclosure
c.Publish applicants' medical records for transparency
d.Disregard the usual consent requirements when underwriting so that medical files can be obtained more quickly
Explanation
HIPAA safeguards protected health information, restricting how it is used and disclosed and requiring appropriate consent. Publishing records or freely sharing them with employers would violate the rules.
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Related questions on this topic
- Under the Fair Credit Reporting Act (FCRA), when an insurer obtains a consumer or investigative report on an applicant, the applicant:
- If an insurer takes adverse action (declines or rates coverage) based on a consumer report, the FCRA requires the insurer to:
- An investigative consumer report differs from an ordinary consumer report because it:
- An applicant with better-than-average health and lifestyle who qualifies for the lowest available rates is classified as a:
- A substandard (rated) risk is one who:
- Statements an applicant makes on a life or health application are generally treated as:
Last reviewed: · editorial process
PrepPass team · Verified against California Life & Health Insurance License Exam · How we review
Reviewed by John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verify)