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Health Facts

HIPPA, Healthcare Insurance Portability And Accountability Act: Part 1

First introduced in 1996, it created guidelines governing employee benefits, fraud, security of patient information, and electronic transactions involving billing and claims processing. In 1999, it was amended to also address Internet security and electronic signatures. Then in 2001, the Bush Administration approved HIPAA with a 24-month implementation period in phases for full compliance by providers. The categories of regulation and compliance include transaction standards, code sets, health care identifiers, electronic signatures, physical security, and privacy issues.
Each category will take effect on different dates during that 24-month period.
Covering Your Bases
Covered entities include: health plans, billing services, and all health care providers engaging in electronic transmission of claims, payment, and insurance. Included are business associates, other doctors in your office, and contract workers or independent contractors. All Complementary Alternative Medicine (CAM) providers will also need to comply. With the growth of CAM and an increase in fraud, CAM providers will especially be targeted for HIPAA compliance. If you are a covered entity, it is important that you protect medical records or face the consequences of HIPAA law.
Entities covered by the privacy and security regulations of HIPAA will face many hurdles, some of which could be very costly. You may be required to pay for risk assessment to identify areas of noncompliance and physically redesign your office for compliance as it relates to securing records. You will definitely have to update your computer with HIPAA compliance software. A word of warning here-make sure to buy HIPAA compliance software and know the vendor. To date, there are very few, if any, software programs on the market that will allow you to become HIPAA compliant, and when available, may be extremely expensive. Also, you will have to train your staff and periodically re-train them and change office procedures and how you store records. Make sure to retain an attorney familiar with HIPAA regulations to guide you. Although you may not have a computer and therefore do not bill electronically, you must still comply with HIPAA in all other areas. Electronic billing will become the way to do business with all insurance companies, who will also need to be compliant with HIPAA. If you are not, compliant, then your claims may not be paid or even allowed to be submitted other than electronically. Insurance contract plans have certain guidelines for participation on the panels. If these guidelines, one of which may be HIPPA compliant, are not met, then you will not be allowed to take part. On the insurance panel.
Paper Trail
As a covered entity, there will be increased paperwork in the areas of medical consents,
written patient authorizations, privacy notices-posted and given to patients, and creation of policy and procedures covering disclosure of treatment by you, any other contract worker, independent worker or associate doctor in your office.
Consent forms for treatment must also include HIPAA language as to treatment, payment, or other provider services. Although consent to treat and authorizations may be on a single form, it must be signed separately. Authorizations must be signed by the patient if the provider uses patient information for purposes other than treatment.
Privacy policy notices must be posted in your office and a copy given to all patients. Your computer and data files are the lifeline for the practice. You must protect patient information and uphold office policies and procedures as to who has access and how information is obtained. There must also be a secure area for medical records, keeping access private and a designated person should be assigned to view those records. Business associates, independent contractors, and associate doctors must also be HIPAA compliant. Securing these workers on a contract basis as other types of persons or entities for access to medical records may be necessary. Presently, personal injury and workers compensation attorneys are exempt as they represent the patient and not the provider. Compliance, although difficult, is a far better choice than noncompliance, as will be discussed in part two.…

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Healthcare Articles

The Ease of Buying Individual Health Insurance

There used to be so many variables when even attempting to purchase insurance coverage that the consumer was often left confused. Not to mention the whole process had to be handled by an agent who claimed to know what was best for the individual. Well those days are long gone and now the process of buying individual health insurance is both easy and convenient.
Many changes have occurred within the industries that are beneficial to the everyday individual. Purchasing insurance is now as easy as picking up the phone or even utilizing the Internet. Gone are the days of needing an insurance agent who always had just the right policy at an astronomical rate. Now the control to find the best coverage is in the hands of each individual.
Competition is fierce within the insurance industry and companies are trying to outdo each other. Buying individual health insurance has become much less of a burden to the consumer because of this. The price of insurance and the coverage provided can be curtailed to fit into most budgets and still provide security. Another benefit is that anyone can access the information needed to make a decision about health care on their own.
Resources are available to aid the consumer in discovering both the options and premiums offered with these plans. There are no more standard one size fits all policies that require payment for services that are not needed or even wanted. Every potential insured has the capability of picking only the coverage that is needed at an affordable cost.
Buying individual health insurance means purchasing what is needed without added coverage increasing the premiums. There are a variety of options available when choosing the right plan from full coverage to a supplemental policy for added protection. Deciding what type of plan is best should be the first step in obtaining information.
Once the decision has been made as to the benefits needed, start comparing prices between carriers. There are a variety of ways to decrease the amount spent out of pocket as well as ways to keep the overall cost of the plan down. Being an informed consumer is a smart consumer when it comes to purchasing insurance.
Take the time to find out what options are available and the surprise might be that great coverage is available at a reasonable rate. The control is in your hands when it comes to health care and the purchase. Buying individual health insurance can be done with ease and still provide peace of mind.…

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Health Facts

Short Term Health Insurance Savings

Companies are now offering high end insurance plans at short term prices that are lower than many companies are providing for their employees. If you work at a company that is not providing you a lot of coverage, you need to make sure that you’re doing well in regards to a lot of medical coverage. Yes, you need to make sure that you’re not lacking in regards to protecting your family. You’re going to see a brighter future if you’re willing to step up to the plate and look at policies rather than just signing whatever thing you find that covers you for the moment.
If you’re self employed, or recently unemployed you should look into the steady short term health insurance plans that are available to you and your family at a low cost. There are simply too many companies out there competing to get you the best price possible. Seriously, don’t be left behind the curve and don’t let the lights go out on your attempts to make something better than the rest. You need to make sure that you’re making good overall moves in regards to your health and the health of your loved ones.
If you’re not careful, health reform might end your coverage. So make sure your tied down with a great costing high end plan. If you don’t understand the plans terms, ask someone to go over them with you and enjoy the great peace of mind that comes from being protected against medical bills and more.…

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Health Department

Health Insurance Costs

Insurance is one of the most necessary investments of individuals today. Because the world is faced with economic crisis, health care costs inevitably rise too, thereby forcing families to limit their spending to save for their medical needs. Because of this, it is best to get insurance for yourself and for your dependents. Health insurance is a form of insurance that covers your medical needs. It can be purchased as a group, a firm buying such to cover its employees for example, or individually by consumers. This type of insurance can be purchased from the government through social insurance program or through private insurance companies.
The insured are obliged to pay monthly premiums, which are health insurance costs, to secure themselves that the insurance companies will pay for their health care costs. Monthly premiums are developed through an estimation of the total risks of covering medical costs. Both the insurer and insured will agree to the terms of a contract – its premiums and coverage benefits.
Health insurance can be renewed annually or monthly. The insurance policy can explicitly express the type and amount of medical costs that the insurance company will cover. Several individual obligations may also be solicited from the insured. One of them is deductible. Deductible is the amount of cash the insured has to pay before the insurance company finally pays in his behalf. An insured may have to pay several doctor trips and prescription to reach the deductible, making the insurer pay for the next health care costs. Because of this, it is important for employees to understand the provisions of the contract so that they do not get into trouble with this kind of insurance.…

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Health Policy

Health Insurance For Kids That You Can Afford

Not being able to afford health insurance for you kids is an all too common serious situation many families are facing now. The importance of being able to see a doctor for treatment or to visit the hospital when an emergence arises can never be stressed enough. If you are one of these family who can’t afford health insurance for your children, there is help you might qualify for. These qualifications have a lot to do with what level of income you are at and how much you are paying for health insurance form your employer if it is offered.
Government backed health insurance programs have under went changes that are making health insurance available to more families that make a living income, but not an insurance enhancing income. One of these programs; Medicare, has love been the protector of low income pregnant women, who needed assistance and more. These changes are making good affordable health care possible to very one in need.
Any Department Of Children And Families office and personnel will gladly set down and explain these new policy requirement changes and how they will affect or benefit you and your family; or you can get the information by visiting the many information sites on the web. The online information is more in depth and you can actually read other people descriptions and opinions on the changes. The whole reason is so that all children will get needed treatment. Medicaid will began the screening process and you will soon know what you qualify for.
Families with a income level too high for Medicaid will then fall under a sliding scale to determine insurance coverage cost. Each state has its own set of rules and is usually based on how much money is coming in and going out. While the premium very low, other services include low prescription cost, vision services, some dental services as well as excellent health care and doctor access.
All these programs are family friendly to insure the health care needs of children are met and addressed at a very affordable price when needed. This doesn’t do much for adult care, which is another issue, but does relieve the stress and stain on the family’s budget for care and out of pocket expenses for the children.…

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Health Gov

The Debate Over the Public Health Insurance Option

There has been too much of debate over which is the right health care reform to be implemented in the United States.
These debates have cross party lines and are heating up as the general public is getting involved in the debate. The main sticking point is the public health option being put forward in order to have a meaningful reform that affects millions Americans. But then there are too many things to sort out so that we can have a better picture as to the advantages and disadvantages of a public option.
The contention of those who are in favor of the public option is that it will make health insurance more affordable and available to millions of Americans. Most of the more 40 million Americans either lack health care insurance from their employers or they simply cannot afford it. Making it more affordable is the main goals for the reform so all these people that were not able to get coverage before will now have health care coverage. It is ideal in the sense that it will provide affordable health insurance for many poorer families.
On the other hand you those people who oppose such government program or corporation to undertake or underwrite this coverage. The other drawback to this is that private insurance companies might be hard hit and go under or go bankrupt.
If you have a government Run Corporation competing with the private sector will have benefit as it will neutralize the high premium rates charge by private companies.
But then if the private sector cannot compete, it will because low cost rates from the government run insurance, it will eliminate competition and thus become a government monopoly. The government run corporation will take over the whole industry and that is not good for the both the industry and the economy. It is indeed very tough to determine what will become of this proposal should it pass through congress and that public option health will be available.…

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Department Of Health

Health Insurance – Shocking Revelation! A Major Cause of Death

I was watching CNN the other day and there was this report of the result of a study which shows that a person dies every 12 seconds as a result of lack of insurance. I don’t know about you. To me, this is shocking.
It is very obvious that this is not the very best time to joke with our health insurance policies. With the high cost of health care, you can not dare to leave your health to chance.
These people who have died and who at every count of 12 seconds die are not suicidal. They are everyday people who would have loved to live to a full ripe age. They suddenly needed health care they couldn’t afford and because they had no health insurance coverage, they couldn’t get the necessary treatment they needed and their lives had to be cut short by circumstances that could have been avoided had they taken up an adequate health insurance plan.
Someone reading this might be wondering if the writer understands that some people can not afford to have a health insurance policy. This might be true. But one thing I know is true also is that some who can afford it either don’t know they can afford it or did not care enough to be covered. Besides, if you want to know how to find a health insurance policy you can afford, you would search for it and believe me, if you search, compare quotes, talk with agents, you would eventually have enough options from which to choose one within your reach.
1, 2, 3, 4, 5, 6,…9, 10, 11, 12 one person has died because of lack of health insurance cover. It is really sad. One thing I want to advise is that people should just stop waiting for the Government to change things. Start doing somethings for yourself. Make a move to protect your family, your loved ones and yourself. There are numerous health packages from which you can make a choice. Do not let your excuse be that you can’t afford it. Have you really searched for an affordable health insurance plan?
Go to quotes comparison sites. In fact, go to as many as you can and get and compare as many quotes as you can. You would likely find a policy that would work for your budget. You can also talk to insurance agents to find out what other options you may have.…