Health Insurance Portability and Accountability Act (HIPAA)

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What is HIPAA?

Health Insurance Portability and Accountability Act of 1996(HIPAA) is a federal law mandating specific privacy rules and practices for medical care providers and health insurance companies, designed to streamline the healthcare and insurance industries and to protect the privacy and identity of health care consumers. It also includes provision guaranteeing access to health insurance for consumers who meet specific criteria.

HIPAA Privacy Rule

HIPAA Security Rule & Protecting Your Information

The HIPAA Security Rule sets standards to protect electronic personal health information. At eHealthInsurance, we are strongly committed to protecting your privacy in adherence to HIPAA guidelines. To serve as your state-licensed insurance agent, we will ask you to provide us with personal information about yourself. We only us your personal information to help you find and, if you choose to do so, apply for and purchase health insurance and other products that may be interest to you and your family. We do not sell, trade or give away your personally-identifiable information to third parties. Learn more about how we protect your personal information through our Privacy Policy.

HIPAA Helps Guarantee Access to Health Insurance

HIPAA also provides additional protections for consumers, designed to help them obtain or retain health insurance coverage when they lose their group health insurance coverage and may not be eligible for a medically underwritten plan due to a pre-existing condition. Persons who have maintained qualifying health insurance coverage with a gap of no more than 62 days may qualify for what are called 'HIPAA Plans,' which guarantee certain levels regardless of the applicant's medical history. For more infomation about the Health Insurance Portability and Accountablility Act, talk to a licensed health insurance agent like eHealthInsurance or refer to the following sites:

The United States Department of Labor provides information on HIPAA and answers frequently asked questions on pre-existing conditions and HIPAA protection rights.

The United States Department of Health & Human Services offers detailed information and guidance materials on consumer privacy.