11 Amangakwane Mayelana ne-HIPAA kanye namarekhodi wezokwelapha Ubumfihlo beziguli

Umthetho we-Health Insurance Accountability Act (HIPAA) udluliselwa yi-US Congress ngo-1996. Ekuqaleni wawuhloswe ukuvikela isiguli sokuthola umshwalense. Kamuva, izinqubomgomo zokuphepha zenezelwe ukumboza ukwabelana nge-elektroniki kwamarekhodi wezokwelapha. Naphezu kokuthi le mithetho isebenze iminyaka engaphezu kwamashumi amabili, kusekhona ukudideka ngenxa yesicelo sabo.

I-HIPAA ibiza lezo marekhodi "ulwazi oluvikelwe lwezempilo." Ibeka izinqubomgomo nezindinganiso zendlela ulwazi lwesiguli, okufaka amanothi odokotela, imiphumela yokuhlolwa kwezokwelapha , imibiko yelabhu, nolwazi lokukhokha lungabelwa.

Abahlinzeki besaba izinkokhelo abazophoqeleka ukuba bakhokhe uma behlanganyela ngolwazi nomunye umuntu noma ezinye izinto ezingaphandle kwemithetho, ngakho-ke bavame ukuvikela ngaphezulu ulwazi lomguli.

Iziguli zikhungathekile zizama ukuthola ulwazi ngokwabo kanye nabathandekayo, abanye babo abafakiwe ukuthola ukufinyelela ngaphandle kwemvume ebhaliwe evela esigulini. Iziguli zivame ukumangala ukuthola ukuthi ngubani ovunyelwe ngumthetho ukufinyelela amarekhodi abo. Abakhokhi, uhulumeni, ngezinye izikhathi abaqashi, nabanye abaningi bathola amarekhodi wezokwelapha.

Ungaba nesiguli esinikezwe amandla noma ummeli ngokwazi izinto eziyisisekelo ze-HIPAA futhi ube nesibindi sokucela amarekhodi kubahlinzeki. Nazi ezinye zezinganekwane mayelana ne-HIPAA nokuthi zithinta kanjani wena, isiguli:

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Inganekwane: HIPAA ivimbela ukwabelana kolwazi namalungu omndeni

Lokhu akuyiqiniso. Imithetho ye-HIPAA inkulu futhi idideka. Odokotela abaningi abaqiniseki ngokuthi bangubani, futhi abangekho, bavunyelwe ukwabelana neziguli nemindeni yabo. Esikhundleni sokuzama ukuthola imithetho, abanye abahlinzeki bamane bathi cha, ngeke babelane ngolwazi lwakho nelungu lomndeni nanoma ubani omunye.

Eqinisweni, imithetho iye yacaciswa, futhi izinguqulo zomthetho zitholakala eMnyangweni WezeMpilo WezeMpilo waseMelika. Ngezimvume ezithile ezivela kuwe, ngokubhala, amarekhodi angabelwa nanoma ubani osikhethayo.

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Inkolelo-ze: Iziguli kuphela noma abaNakekeli bangathola amakhophi amarekhodi ezempilo

Lokhu futhi kuyiqiniso. Eqinisweni, kunabanye abantu abaningi nezinhlangano ezingakwazi ukuthola amarekhodi wezokwelapha ngaphandle kwesiguli, ezinye zezomthetho nezinye ezingekho emthethweni.

• Imininingwane yezokwelapha yomuntu siqu ingatholakala nganoma ubani osizayo ukhokhele ukunakekelwa kwempilo yakho, kusukela kumshuwalense kuya kuhulumeni kumqashi wakho.
• Kungatholakala futhi nanoma ubani ofuna ukuwuthengisa, nakuba kungahlanganiswa futhi kukhonjisiwe uma kuthengwa.
• Futhi ngezinye izikhathi kungase kubiwe noma kunikwe iphutha.

Funda kabanzi mayelana nabantu abaningi, izinhlangano nezinhlangano ezabelana, zithola, zithengi, noma zenze amarekhodi ezempilo ezizimele zamagciwane nsuku zonke.

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Inganekwane: Abaqashi Bangabakhokhisi, Futhi Bangakwazi Ukufinyelela Amarekhodi Ka-Employee

Ezimweni eziningi, i-HIPAA ivimbela abaqashi ukuba bangene kumarekhodi omguli, kungakhathaliseki ukuthi bakhokha ukunakekelwa. Lokhu kusebenza ukuthi ngabe umqashi uthatha inqubo yomshuwalense wangaphandle, noma u-self-insured.

Uma umqashi efuna ukufinyelela kumarekhodi akho, kufanele unikeze imvume yakho, ngokubhaliwe, ukuba enze kanjalo. Kukhona okunye okungahambisani nomthetho, ikakhulukazi abaqashi abazimele.

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Inganekwane: I-HIPAA Imithetho ivimbela odokotela ekushintshaneni i-imeyili neziguli zabo

Akulona iqiniso, ngisho noma udokotela wakho ekutshele ukuthi kuyiqiniso. Kungenzeka ukuthi umhlinzeki wakho uzosebenzisa i-HIPAA njengesizathu, kodwa i-HIPAA ayivimbeli ukusetshenziswa kwe-imeyili phakathi kodokotela neziguli.

I-HIPAA idinga kuphela ukuthi ulwazi lwezempilo luyalondolozwa, futhi i-imeyili evamile esiyisebenzisa nsuku zonke ayilondolozwe nhlobo.

Kunezinhlelo ezikhona ukuqinisekisa ukuthi i-imeyili igcinwa. Isibonelo, ezinye izinhlelo ze-imeyili "zizobethela" i-imeyili ngaphambi kokuba zihambe nge-intanethi, ziyiphendule ibe ikhodi engafundiwe kuze kube yilapho umuntu onesihluthulelo sokuvula ikhodi uyayithola. Abanye bahlela izinhlelo ezixwayisa iziguli zabo ukuthi umlayezo ulindele esitokisini esiphephile sikadokotela. Kuzo zombili izimo, zonke iziguli zolwazi kudingeka zikwazi ukufunda i-imeyili ephephile kusuka kudokotela wazo zinikezwa ngaphambi kwesikhathi.

Noma kunjalo, kubahlinzeki abaningi kakhulu, futhi njengezinye izici zalesi setha semithetho, izidingo zokuphepha ze-imeyli zingaba ngaphezu kwalokho abafuna ukuziphatha, futhi zingasebenzisa i-HIPAA njengesizathu sokungashintshanisi i-imeyili nawe.

Ungafunda kabanzi ngokushintshanisa i-imeyili nodokotela wakho .

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Inganekwane: Abahlinzeki Badingeka Ngomthetho Ukuhlinzeka Wonke Amarekhodi Ezokwelapha Kuwe

Eqinisweni, amanye amarekhodi angagcinwa futhi anganikezwa wona.

Uma ucela amarekhodi ukuthi umhlinzeki noma indawo ebonakalayo ingase ibe yingozi kuwe, bangakuphika ukufinyelela. Lezi amarekhodi zivame amarekhodi ezempilo yengqondo. Awukwazi ukuvinjelwa nje ngoba umhlinzeki ukholelwa ukuthi uzokucasula. Kodwa ungakwazi ukuphikwa uma umhlinzeki ecabanga ukuthi uzozilimaza ngenxa yomphumela wawo.

Uma ucele amarekhodi akho, kodwa angakunikeziwe, kungenzeka ukuthi awuzange ulandele izinyathelo ezidingekayo zomhlinzeki ukuze uthole amakhophi amarekhodi akho ezokwelapha. Uma ngabe ulandele lezo zinyathelo futhi awukwazi ukuthola lawo amakhophi, khona-ke emazweni amaningi, umhlinzeki kumele akutshele ngokubhala ukuthi ngeke uwamukele.

Funda kabanzi mayelana nokuthi ungathola kanjani amakhophi amarekhodi akho ezokwelapha .

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Inkolelo-ze: Iziguli Zenqaba Ukufinyelela Amarekhodi Aso Ingase Zithole Ukuthola Amakhophi

Kukhona izixazululo zeziguli eziphikisiwe amakhophi amarekhodi azo ezokwelapha, kodwa icala aliyona enye yazo.

Umnyango wezeMpilo waseMelika kanye nezinsizakalo zabasebenzi (HHS) unikeza inqubo abaguli abangayilandela uma bekholelwa ukuthi amalungelo abo aphulwa ngaphansi kwemithetho ye-HIPAA. Kufaka ukufaka isikhalazo esisemthethweni ngokusebenzisa inqubo ye-intanethi.

Uma ukwephulwa kwehluleka kakhulu, i-HHS, noma uMnyango Wezobulungiswa, ingafaka inhlawulo kuleyo nkampani ephula umthetho, kusukela ku-$ 25,000 kuze kube yiminyaka engu-10 ejele kanye nokukhokhela ama-$ 250,000.

Nazi izinyathelo okumele zilandelwe uma unqatshelwe ukufinyelela kumarekhodi akho wezokwelapha .

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Izinganekwane: I-HIPAA I-Cover Laws Cover kanye Nokuphepha Kwamarekhodi Ezokwelapha Zonke

Lokhu kuyiqiniso, kodwa kuphela ngaphansi kwezimo ezithile.

Abanikezeli bezempilo, izindawo zokunakekelwa kwezempilo, kanye nama-insurers ngezinye izikhathi yizinhlangano eziboshwe yi-HIPAA.

Kodwa kunabanye abaningi abangase babe nalolo lwazi, futhi abaphoqelelwe noma abalawulwa yi-HIPAA. Eminyakeni embalwa edlule, izicelo eziningi zewebhu zitholakale, eziningi mahhala, ezimema iziguli ukuthi zilayishe ulwazi lwabo lwezempilo nolwazi lwezokwelapha, ngokuvamile ngezinhloso zokugcina. Bathi lezi zi-PHR (amarekhodi ezempilo) ziba lula futhi ziyatholakala esimweni esiphuthumayo lapho zigcinwa ngale ndlela. Futhi-ke kubonakala sengathi zikhona.

Kodwa lezi zinhlangano azikho ngaphansi kwanoma yikuphi ukuvimbela ukwenza okufunayo ngalawo marekhodi, ngisho noma bathi amarekhodi ayimfihlo futhi avikelekile.

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Inganekwane: Abahlinzeki Bakhona Kudingeka Ukulungisa Noma yiziphi Iziphambeko Ezitholakala Amarekhodi Eziguli

Futhi, lokhu kuyiqiniso okuyingxenye. Unelungelo lokucela izinguquko kumarekhodi akho , kodwa lokho akusho ukuthi bazolungiswa.

Uma umhlinzeki wakho enqaba ukwenza izinguquko, ungabhala incwadi yokuphikisa mayelana namaphutha owutholile. Umhlinzeki noma isikhungo kufanele afake incwadi yakho efayeleni lakho lesiguli.

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Inganekwane: Impilo Yakho Nemibhalo Ezokwelapha Akukwazi Ukuthinta Amarekhodi Ezikweletu Zakho

Akulungile! Uma izinsizakalo zinikezwe ngumhlinzeki noma isikhungo, banelungelo lokukhokhwa. Bavunyelwe ukwenza noma yini esemthethweni ngaphansi kokuqoqwa kwezimiso zokuqoqa izimali ukuqoqa leso sikweletu, kufaka phakathi ukuguqula amafayela akho ku-ejensi yokuqoqa. Uma uwa emuva ekukhokheni izikweletu zakho zezokwelapha, lokho kuzobikwa kuma-ejenti esikweletu futhi izinkinga zakho zokukhokha zizorekhodwa embikweni wakho wesikweletu.

Umlando wakho wezokwelapha nezinkinga zokukhokha kungase futhi zibikwe kwi- Medical Information Bureau ezihlinzeka ngezinkampani zomshwalense zempilo, phakathi kwabanye, futhi zibophe ndawonye ndawonye nempilo kanye nekhredithi.

Ngaphezu kwalokho, i-FICO, inhlangano eyenza izikweletu zemali yokusetshenziswa kwababolekisi, yaqala ukuthuthukisa "imithi yokunamathela kwezidakamizwa" ngo-2011. Ochwepheshe abaningi bakholelwa ukuthi ekugcineni lezo zibalo zizohlanganiswa nezikweletu zemali ukuze zifinyelele iziphetho ngeziguli ngabanye, , kuthinta ikhono labo lokuthola ukunakekelwa kwezokwelapha noma ezinye izinhlobo zemishwalense yempilo (impilo, ukukhubazeka, abanye.)

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Inganekwane: Ulwazi Lwezokwelapha Ngeke Lithengiswe Ngomthetho Noma Lusetshenziselwe Ukuthengisa

Lokhu futhi kuyiqiniso, kuye ngokuthi leyo ncazelo izokwabelana kanjani, nokuthi yikuphi, futhi-ke, le mithetho iphinde idideke kubahlinzeki. Lokho kusho ukuthi lamalungelo angase aphulwe, kungakhathaliseki lokho kungenhloso noma kungenhloso.

Isibonelo lapho ulwazi lungabelwa khona ngezinhloso zokumaketha lapho isibhedlela sisebenzisa uhlu lwazo lwesiguli ukukwazisa ngenkonzo entsha enikezayo, udokotela omusha ojoyine abasebenzi, noma uhlelo lwezimali.

Isibonelo lapho ulwazi lungakwazi ukwabelwana ngaphandle kokugunyazwa okungeziwe kusuka kuwe lapho umshwalense othole ulwazi lwakho kumunye wabahlinzeki bakho, bese usebenzisa noma athengisa ulwazi lwakho ukukuthengisa umshuwalense owengeziwe, noma omunye umkhiqizo ohlobene nezinsizakalo osuvele usuvele nazo wathola.

Ungabona ukuthi lezi zibonelo zidideka kanjani, futhi ukuthi izinhlangano ezihlukahlukene ezikwazi ukufinyelela kumarekhodi akho zingase zisebenzise kanjani lokho kudideka.

Kunezinye izindlela eziningi ulwazi lwakho lwezokwelapha oluthengiswayo futhi lusetshenziselwa izinjongo zokumaketha, futhi.

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Inganekwane: I-HIPAA Ingasetshenziswa Njengesisusa

Ngokuvamile, iziguli nabanakekeli bangathola ukuthi i-HIPAA isetshenziselwa ukuyivimbela noma yokuyidinga, ukuziphatha noma ukuvumelana nemithetho yomunye umuntu, ngisho nalapho ingasebenzi.

Lokhu kuqondwa kalula ngezibonelo:

Isibonelo: Ilunga lomndeni noma ummeli ufuna ukuhlala embhedeni wesiguli esibhedlela ngemva kokuvakashela amahora. Omunye wabasebenzi basebhedlela uthi kubo abakwazi ukuhlala ngoba ukwenza kanjalo kuzophula i-HIPAA, ngoba kuphazamisa ubumfihlo bezinye iziguli.

• Akulona iqiniso. I-HIPAA ayisho lutho ngokuphula ubumfihlo bomunye umuntu futhi ayihlangene namahora okuvakashela esibhedlela. Kulokhu, isibhedlela sizama ukuchaza inqubomgomo yabo engamukeleki yokwenza umvikeli ahambe embhede.

Isibonelo: Isiguli esikhulile sivakashela udokotela wakhe bese silinda egumbini lokulinda aze abizwe. Uma ekugcineni ebizwa, igama lakhe lokuqala lisetshenziswa. "Anne!" Uthanda - ngoba akayithandi umsizi wezokwelapha oneminyaka engu-20 obiza ngegama lakhe elineminyaka engu-85 ubudala. Utshelwe ukuthi abanakho ukukhetha ngoba i-HIPAA isho ukuthi abakwazi ukuyisebenzisa igama lokugcina.

• Akulona iqiniso. I-HIPAA ikhishwe ukuhumusha "kokusetshenziswa okusemthethweni" ngo-2002 okubhekise kulo mbuzo ngokuqondile (ikhasi 7), ethi uma nje ulwazi olubiziwe lukhawulelwe, ayikho inkinga ngokubiza amagama. Cabanga ngalokhu: uma kubizwa igama lomuntu, akekho obiza ukuxilongwa noma izimpawu zabo, okusho ukuthi akukho ulwazi lwezokwelapha olusetshenziselwa ngokubambisana negama lesiguli. Ukusebenzisa nje igama lokuqala, noma nje igama lokugcina (uNkk. Smith) lamukelekile ngokuphelele futhi alikwazi ukubhekwa njengokuphula i-HIPAA.

Isibonelo: Isiguli esigunyaza ukuthumela igama lesiguli sakhe ngesibonakaliso esibhedeni sesibhedlela njengendlela yokuqinisekisa ukuthi isiguli sizokhonjwa ngendlela efanele, nokuvimbela amaphutha njengezidakamizwa ezingalungile noma olunye ukwelashwa olunikezwa isiguli sakhe. Isisebenzi esibhedlela sisho ukuthi sisusa isibonakaliso ngoba kuphulwa kwe-HIPAA ukukhomba isiguli.

• Akulona iqiniso. Umbhalo ofanayo, ekhasini 9, uchaza ukuthi lokhu, futhi, kuyindlela yokusetshenziswa kwegama lesiguli futhi isibonakaliso akuyona ukwephula umthetho we-HIPAA.

Izwi elivela

Ukwazi okuyisisekelo salokho okushiwo yi-HIPAA futhi akusho ukuthi kubalulekile ekunakekeleni kwezempilo. Ukufinyelela kumarekhodi akho wezokwelapha kungakusiza uqonde izimo zakho kanye nokwelapha futhi ube nesiguli esinikezwe amandla noma ukhuthaze othandekayo.