Insurance - HIPPA Headaches

Don't you just love government red tape? This timeinstitutions however, little has changed. HIPPA merely
the bureaucratic process has given us a realbrings some conformity to how they've always
doozy-it's called the Health Insurance Portability andhandled privacy matters.
Accountability Act or HIPAA for short. And theThere are other scenarios in which these regulations
unintended affects of HIPPA could have a dramaticcould impact you. For instance, let's say that you
effect on you.have a 19-year old child attending college who is
HIPAA legislation took effect in April of 2001. It setinvolved in an activity that resulted in their need for
national standards for the protection of 'individuallymedical care. Since a 19-year old is considered an
identifiable health information.' Specifically, the Ruleadult, they would have the power to keep you from
relates to how health care organizations share andbeing told of their medical condition or even
divulge medical information.contacted.
There are good reasons for these new protections.Even though their medical bills might be covered
They are designed to prevent unauthorized invasionsunder your insurance plan, you would not be privy to
into your medical privacy.any of the medical information. In fact, you might be
If you've ever received a letter from a drugprevented from even visiting them if they indicate to
company marketing their solution to one of yourthe hospital that they don't want visitors. One
ailments, chances are the information was purchasedhospital we spoke with said hospital security guards
from your pharmacy making them aware of yourwould prevent such visits when requested by the
condition. The new HIPAA regulations are designed topatient.
prevent this and other unauthorized releases of yourHIPAA impacts the sharing of information if you are
medical information.single or in a non-traditional relationship.
Basically, health care providers now must have yourNowadays, many older couples forgo marriage and
written permission before they can release any oflive together for financial reasons. Same-sex
your medical information to anyone else. This canrelationships are more common. You may be a
cause some very awkward situations.widow or widower. In any of these situations,
For instance, one man's wife recently went to themedical providers are no longer required to provide
doctor. The doctor sent her to the hospital for someinformation to others without proper authorization. It
tests. The hospital in turn admitted her. She wasis important that those in these situations have the
unable to contact her husband, and after severalproper documents in place that would allow someone
hours, he tried to find out where she was and howelse to make medical decisions if you are unable.
she was doing. But neither the doctor's office nor theSo what can you do? First, pay attention to the
hospital would provide him any information.forms you fill out that authorize the health care
In fact, the doctor's office wouldn't even tell himprovider to release your information. It is important
what hospital they sent her to or that she had beenthat you list those that you would want to know
admitted. He had to call all of the local hospitals in hisabout your condition.
area to try to locate her. The hospitals wouldn't tellSecondly, it is vital that you have a Medical Power of
him anything either! Only after hours of franticallyAttorney in place which names the person (and
searching for his wife was he able to convince thealternates) authorized to make medical decisions on
doctor's office to at least tell him what hospital sheyour behalf should you be incapacitated. Forms
was in.granting the release of medical information don't
The problem is that HIPPA regulations are beingprovide for someone to make decisions on your
applied differently from place to place. While HIPAAbehalf.
regulations do permit the release of generalLastly, you may want to add a HIPAA release
information, some organizations take the safestauthorization to existing estate planning documents
route for them and won't release any informationsuch as trusts, living wills and powers of attorney.
unless specifically authorized by the patient. At other