The Health Insurance Portability and Accountability Act
The Health Insurance Portability and Accountability Act, or HIPAA, is a 1996 amendment to the Employee Retirement Income Security Act (ERISA). While ERISA focuses mainly on the rights of individuals who already hold health and pension plans with private entities, HIPAA helps these individuals gain coverage in the first place.
If you have preexisting health conditions that are causing you to be denied coverage, you should talk to a disability lawyer about your rights. Indiana long-term disability attorney Charles D. Hankey wants to help you get the coverage you deserve. For more information, contact us today at (800) 520-3633.
What HIPAA Does for You
HIPAA provides protection to individuals who suffer preexisting health conditions. HIPAA seeks to prohibit health-based discrimination, as well as limits the exclusions for preexisting health conditions, among other things.
To get a broader view of the other purposes of HIPAA, it can be helpful to understand the different titles included in the act:
- Title I – protects the health insurance coverage of people who change or lose jobs
- Title II – regulates the efficiency, privacy, and security of personal health data by establishing standards for electronic transactions and national identifiers
- Title III – allows certain deductions for medical insurance
- Title IV – focuses on the health coverage needs of people with preexisting conditions
- Title V – details rules for company-owned life insurance and for those who lose U.S. citizenship status due to income tax violations
HIPAA can be very helpful for someone with a long-term disability who is denied health insurance coverage, but it can also be very tricky to navigate. If you or someone you know needs help gaining coverage for a long-term disability, contact Indiana long-term disability attorney’s from Hankey Law Office today at (800) 520-3633.