Health insurance research paper

Sample Research Papers The conception of insurance is the spreading of risks for a few individuals, among many.

Health insurance research paper

There are five sections to the act, known as titles. Title I requires the coverage of and also limits restrictions that a group health plan can place on benefits for preexisting conditions. Group health plans may refuse to provide benefits in relation to preexisting conditions for either 12 months following enrollment in the plan or 18 months in the case of late enrollment.

Title I [10] also requires insurers to issue policies without exclusion to those leaving group health plans with creditable coverage see above exceeding 18 months, and [11] renew individual policies for as long as they are offered or provide alternatives to discontinued plans for as long as the insurer stays in the market without exclusion regardless of health condition.

Some health care plans are exempted from Title I requirements, such as long-term health plans and limited-scope plans like dental or vision plans offered separately from the general health plan. However, if such benefits are part of the general health plan, then HIPAA still applies to such benefits.

Health insurance research paper

For example, if the new plan offers dental benefits, then it must count creditable continuous coverage under the old health plan towards any of its exclusion periods for dental benefits.

An alternate method of calculating creditable continuous coverage is available to the health plan under Title I. That is, 5 categories of health coverage can be considered separately, including dental and vision coverage. Anything not under those 5 categories must use the general calculation e.

Since limited-coverage plans are exempt from HIPAA requirements, the odd case exists in which the applicant to a general group health plan cannot obtain certificates of creditable continuous coverage for independent limited-scope plans, such as dental to apply towards exclusion periods of the new plan that does include those coverages.

Hidden exclusion periods are not valid under Title I e. Such clauses must not be acted upon by the health plan. Please help improve this article by adding citations to reliable sources. Unsourced material may be challenged and removed. April Learn how and when to remove this template message Title II of HIPAA establishes policies and procedures for maintaining the privacy and the security of individually identifiable health information, outlines numerous offenses relating to health care, and establishes civil and criminal penalties for violations.

It also creates several programs to control fraud and abuse within the health-care system. Title II requires the Department of Health and Human Services HHS to increase the efficiency of the health-care system by creating standards for the use and dissemination of health-care information.

Covered entities include health plans, health care clearinghouses such as billing services and community health information systemsand health care providers that transmit health care data in a way regulated by HIPAA.

Worthy Research Paper Topics Related to Health Economics

The HIPAA Privacy Rule regulates the use and disclosure of protected health information PHI held by "covered entities" generally, health care clearinghouses, employer-sponsored health plans, health insurers, and medical service providers that engage in certain transactions.

Covered entities must disclose PHI to the individual within 30 days upon request. Between April of and Novemberthe agency fielded 23, complaints related to medical-privacy rules, but it has not yet taken any enforcement actions against hospitals, doctors, insurers or anyone else for rule violations.

A spokesman for the agency says it has closed three-quarters of the complaints, typically because it found no violation or after it provided informal guidance to the parties involved. An HHS Office for Civil Rights investigation showed that from tounauthorized employees repeatedly and without legitimate cause looked at the electronic protected health information of numerous UCLAHS patients.

The most significant changes related to the expansion of requirements to include business associates, where only covered entities had originally been held to uphold these sections of the law.

Previously, an organization needed proof that harm had occurred whereas now organizations must prove that harm had not occurred. Protection of PHI was changed from indefinite to 50 years after death. More severe penalties for violation of PHI privacy requirements were also approved.

This was the case with Hurricane Harvey in An individual may request the information in electronic form or hard-copy, and the provider is obligated to attempt to conform to the requested format.The Effect of Health Insurance Coverage on the Use of Medical Services Michael Anderson, Carlos Dobkin, Tal Gross.

NBER Working Paper No. Issued in March NBER Program(s):Children, Health Care, Health Economics Substantial uncertainty exists regarding the causal effect of health insurance on the utilization of care.

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last decade than health insurance, and I would not be a part of that conversation if I hadn’t, nearly immediately after arriving in Ann Arbor, encountered the Eco- nomic Research Initiative on the Uninsured, a Robert Wood Johnson Foundation-.

Free health insurance papers, essays, and research papers. My Account. Your search returned over essays for "health insurance" 1 2 it mandates uniform standards for electronic data transmission of administrative and financial data relating to patient health information. This paper is primarily concerned with the second part, the.

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