Health Insurance Portability and Accountability Act ( HIPAA)

The video explains HIPAA's role in protecting medical information and facilitating the transfer of health coverage between employers without penalties for pre-existing conditions. It highlights COBRA's importance in maintaining coverage during employment transitions and discusses how HIPAA limits rate hikes and exclusions. The video also touches on changes brought by the Affordable Care Act while emphasizing HIPAA's ongoing significance.

What is one of the primary roles of HIPAA?

• To eliminate the need for health insurance

• To provide free healthcare to all citizens

• To increase healthcare premiums

• To protect medical information from open disclosure

How does HIPAA benefit employees changing jobs?

• It increases their health insurance premiums

• It provides them with a new health plan automatically

• It cancels their existing health insurance

• It allows them to carry forward their health benefits without penalties

What is the role of COBRA in relation to HIPAA?

• COBRA provides free health insurance

• COBRA allows continuation of coverage during employment gaps

• COBRA increases health insurance premiums

• COBRA eliminates the need for HIPAA

What limitation does HIPAA place on insurers regarding pre-existing conditions?

• Insurers can exclude pre-existing conditions indefinitely

• Insurers can deny coverage for pre-existing conditions

• Insurers must drop exclusions after a certain period

• Insurers can increase premiums for pre-existing conditions

How has the Affordable Care Act affected HIPAA provisions?

• It has no impact on HIPAA

• It has changed or superseded some HIPAA provisions

• It has made HIPAA provisions more stringent

• It has completely replaced HIPAA