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Gerard filed a complaint with the Office of Civil Rights (OCR).The OCR found the HMO to be in direct violation of HIPAA.

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Let’s discuss these protections, known as Title I and Title II.

Title one ensures that if you change jobs, you can maintain your health insurance without being penalized.

Even if you were to find another health insurance company to cover your pre-existing condition, the premiums would be extremely high.

Today, health insurance companies cannot refuse to provide medical coverage based on a pre-existing condition.

This includes medical doctors, osteopathic doctors, dentists, chiropractors, nurses, lab technicians, and medical administrators supporting these providers.

Business associates Business associates are extensions of the previous three groups.

Gerard’s employer went out of business, but he was able to get full-time work with another company that provided an excellent health insurance package through an HMO.

A month after beginning his new job, Gerard received a letter from the HMO stating his pre-existing heart condition was excluded from coverage.

The Health Insurance Portability and Accountability Act (HIPAA) is a set of complex federal rules and regulations that govern how medical institutions and their business associates treat your private health information, known as “PHI.” Penalties for HIPAA violations can be substantial, ranging from fines to criminal prosecution and imprisonment. The two most important HIPAA sections addressing violations are Federal Public Law Sections 104-1.

Claims of HIPAA violations are investigated by the Office of Civil Rights (OCR), a division of the U. Under HIPAA Law Section 104-191, “General Penalty for Failure to Comply with Requirements and Standards,” the U. Department of Labor can impose fines beginning at 0 on an individual for each day the violation continues, up to a maximum of ,000 per year.

In the past, people with health problems were afraid if they left their jobs or were fired, they wouldn’t be able to get health insurance with their new employer, or if they were able to get insurance, their pre-existing condition would be excluded.

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