Maybe It’s Time We Re-Think The Health Insurance Model

Where to Look for Health Insurance Quote Online

With power of the internet you can be your own insurance agent. With hundreds of website offering health insurance quotes instantly, knowing which one to choose make a big difference. Knowing which website to go to, to get a quote can be difference between having your information sold all over the internet or actually getting instant health insurance quotes. Most of the websites that claim to offer free health insurance quotes are out there to just collect your information and sell it on the internet. There are ways of determining if you are going to get your instant quotes.

First let’s address specifically health insurance shopping and comparison on the internet. The one main thing you have to know is that in the United States you absolutely cannot find a better deal on the same plan somewhere else. What I mean is if you got a quote for a specific medical insurance plan on one website and you want to see if you can get a better deal for the same health insurance plan on the different website that is impossible. The reason for that is when health insurance company comes out with a medical coverage plan they have to submit those rates with states insurance commissioner. That means that the quote that you get from one website has to be identical to what you would get from another website, or get it from your insurance agent, or directly from the insurance company. The health insurance premiums vary because of the plan design. Things that come in to plan design are, deductible, copays, prescription drug coverage and many other factors.

The number one giveaway if the website you are trying to get a quote from is going to provide you with instant quote or just going to collect and sell your information is quite simple. If you are looking at getting a health coverage quote the only thing that insurance company needs to provide you with accurate quote is your age or date of birth, your zip code, your affective date (when you would like your coverage to start), if you are a smoker and if you have a family (that includes same information for them). If website is asking for more information chances are that website is collecting your information and is going to sell it. Who is it going to sell your information to? Your information is sold to insurance agents and insurance companies. Some website will collect your information and then redirect you to a website that will provide you with instant quotes. In most cases they are still going to sell your information in form of a lead.

Next time you are getting a health insurance quote online look for the websites that are just asking you for the most basic information. If a website is asking you for your address, your weight, your hight then it is for sure a website that is just going to collect your information and sell it as a lead. Good luck with health insurance shopping online for website that provides you with instant quote online see below.

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How HIPAA Privacy Rules Affect Your Health Information – 6 Points

There are certain entities in the healthcare field, insurance companies and healthcare providers for example, that need to collect various information of the individual and even exchange it with other entities for treatment and insurance purposes. While this is required for the proper functioning of the industry it also poses a series of threats as sensitive information of an individual is involved. The Privacy Rules of Health Insurance Portability and Accountability Act (HIPAA) have tried to address this concern by framing a set of guidelines to protect health information.

Some of the points that covered entities have to keep in mind regarding health information are listed below.

• Collection: The most important thing that any covered entity must keep in mind is that the data must be collected by legitimate means only without resorting to any unfair and secretive practices. The individual must be duly informed about why the data is being collected and the process must be continued only after receiving consent.

• Quality: The covered entities must also make sure that the data collected is relevant to their specific purposes. No attempt must be made to gather any extra data; only the information required for the smooth functioning of the treatment or for any related matter must be sought. Instead the entity must focus on ensuring that the information is complete and accurate to the best of their knowledge.

• Use: A very vital aspect of the HIPAA Privacy Rules is the use of the collected information. Covered entities that are in possession of the individual’s data must use it only for the purposes allowed by the law and share the information solely with entities that require it for the approved purposes. Remember that if you are one of the entities you must neither seek data nor disclose it to others if it falls outside the purview of the relevant rules.

• Clarity: All the covered entities are required to have a clear set of policies regarding the management of personal health information. Complete information about the practices followed for using the data must be readily available; in fact the entities must provide the patient with the Notice of Privacy Practices (NOPP) at the first opportunity to keep them well informed.

• Safeguards: Besides the collection of appropriate data the entities are also required to take sufficient measures to safeguard such information. The safeguards must provide adequate protection against data theft, unauthorized access and even destruction of the records.

• Patient Participation: To give the patient more control over their own information HIPAA Privacy Rules require an entity to seek due authorization from the patient for use of the data for purposes other than those specified by the law. In addition the patient can seek a copy of personal information and even make suggestions to modify or delete certain content.

All the parties involved must understand the HIPAA Privacy Rules for managing information, whether it is the covered entities seeking data or the patient who must know the consequences when authorizing use of personal information.