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Invasion Of Privacy Laws

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While the Health Insurance Portability and Accountability Act, a federal law enacted in 1996, is primarily designed to allow Americans, including those in Texas cities of Dallas, Austin and Houston, the right to take health insurance coverage with them, some provisions of the law that protect the confidentiality of information are causing confusion.



Observers are seeing evidence of the issue arise in cases where relatives are being denied access to medical charts, the health care providers citing provisions of the law--commonly known as HIPAA.

The problem, say experts in the field, appears to be confusion as to the intent and actual wording of HIPAA privacy rules, which were introduced in 2003.

Some healthcare providers are said to be applying the regulations in a way that may be seen to be overzealous, even arbitrary in nature.

On the other hand, medical professionals and privacy experts extol the legislation, saying it has helped to make confidentiality of health information a priority, something they argue is important as the nation moves toward a system that is more and more focused on computerized medical records.

At the same time, ensuring electronic privacy has produced what some say is a tangle of regulations--the result being confusion as to what is allowed under HIPAA and what is not.

The confusion may itself lead to more government involvement, with Massachusetts Senator Edward M. Kennedy, a sponsor of the original legislation, proposing an office within the Department of Health and Human Services (HHS) that would serve to interpret medical privacy rules.

The extent of the problems related to HIPAA are largely unknown since the only complaints investigated relate to patients being denied access to their own medical information, which is a violation of the law.

Officials from HHS say that health care providers, either innocently or purposefully, will cite HIPAA as an excuse for not making permitted disclosures. Some examples of HIPAA misinterpretations have included:

--The cancellation of birthday parties in nursing homes for fear that revealing a resident's date of birth could be a violation.

--Patients being assigned "code names" in doctor office waiting rooms so they could be summoned without identification.

--The refusal of nurses in an emergency room to telephone parents of ailing students for fear of passing out confidential information.

--Delays in creating immunization registries for children.

One key word in the legislation that seems to invoke confusion is "may"-- the law saying medical staff "may" disclose but not requiring that they do so.

Medical professionals on the side of commonsense in the world of HIPAA are distinguishing different categories of secrecy.

So-called "good faith nondisclosures" might include a nurse taking a phone call from someone claiming to be a member of the family. Not being able to verify the relationship might be a cause for refusing to give out medical information to that caller.

On the other hand, using HIPAA as an excuse for not taking time to gather records required by public health officials investigating a case of suspected child abuse might fall under the category of a "bad faith nondisclosure."

The fear by those in the medical field of being penalized for improper disclosures might seem to be unwarranted--especially considering there have been no penalties levied since the legislation was enacted.

In fact, according HHS officials, medical professionals are permitted to talk freely to family friends, as long as the patient does not object. Those discussions can be held without a signed authorization and it is not necessary to have the legal standing of a health care proxy or power of attorney. On the issue of investigation of crimes such as child abuse, HIPAA defers to state laws, which may require such disclosure. Health care workers may not reveal confidential information about a patient or medical case to reporters, but they can discuss general health issues.

Many decisions related to HIPAA issues are made by employees of health care providers who feel safer saying "no" than "yes"-- especially if the rules do not appear to be clear.

When the answer is "no, I can't tell you because of HIPAA," some consumers simply don't object.

Healthcare privacy is an issue that's not likely to go away anytime soon. At the same time, Americans have a deep concern for the ability to stay healthy.
Invasion Of Privacy Laws
While Australia’s privacy laws are currently being reviewed, it is unlikely the latest proposals put forward by those in charge of the country’s privacy system will help give Australians access to cheaper credit.

The reason that Australian consumers have to pay more for their credit than their northern hemisphere cousins is that the Australian privacy system prevents lenders sharing with each other the type of information that would improve their ability to spot the people who are likely to fail to make their repayments.

Most lenders use a credit scoring system to decide who to lend money to. Credit scoring is a mathematical formula, which uses a consumer’s credit history and lifestyle habits to predict how likely a potential customer is to repay their debt on time.

Because lenders in Australia cannot share consumers’ credit payment performance information with the credit reference agencies, as they can in the UK and US, it is much harder for Australian lenders to weed out the people who are most likely to fail to make their repayments. As a result Australian lenders tend to charge higher interest rates to cover the cost of lending money to people who fail to repay.

In the UK and US the cost of credit is relatively cheap because lenders are able to access the credit payment performance information of potential customers. Lenders are able to keep bad debt levels to a minimum and are able to avoid having to pass on the extra cost of bad debt to their customers in the shape of increased higher interest rates.

The type of information that Australian lenders are currently permitted to share with the credit reference agencies for credit checking purposes includes records of when customers are 60 days late with their payments, and information to help verify consumers’ identities, such as driving licence numbers.

Most lenders have called for Australian law to be changed to allow them to share a wider range of credit information, including how good consumers are at meeting their monthly payments. Lenders say they would be better able to identify those consumers struggling to meet their debts, which would allow them to reduce the price they charge for credit.

Privacy campaigners fear that a loosening of Australian financial privacy rules may lead to an increase in the amount of credit available to consumers. They are also concerned this could lead to a hike in the numbers of people facing financial meltdown.

The Australian Law Reform Commission, which is responsible for putting forward suggested changes to Australian privacy laws, is currently against increasing the range of permitted credit information made available to lenders to the levels permitted in the UK and US.

For Australian consumers the price for maintaining strong financial privacy is likely to be felt most keenly in their wallets.

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About Author
Both Pat Carpenter & Tristan Dunston are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Pat Carpenter has sinced written about articles on various topics from Women, Marathon Tips and Insurance. Pat Carpenter writes for Precedent Insurance Company. Precedent puts a new spin on health insurance. Learn more at . Pat Carpenter's top article generates over 823000 views. to your Favourites.

Tristan Dunston has sinced written about articles on various topics from Legal Matters, Free Credit Report Score and Stress Management. Tristan Dunston is a independent public relations consultant specialising in finance and privacy matters. He loves white water canoeing and photography. To find out more about credit information a good website is www.checkmyfile.com.au. Tristan Dunston's top article generates over 2400 views. to your Favourites.
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The internet is also a good source of information if youre looking for ideas. However, no mater what you go for, your design or style should always reflect your own personal sense of style
 
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