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Are Mortgage Protection Insurance Plans covered under HIPAA?

HIPAA and Life Insurance

Confidentiality of your personal information and health history is a big concern, especially in these days of instantaneous online information delivery. The Health Insurance Portability and Accountability Act (HIPAA) was passed as a means of protecting your private health information as it passes electronically from entity to entity. Insurance companies that issue Mortgage Protection Insurance Plans are not covered under HIPAA, and neither is the Medical Information Bureau (MIB). However, that does not mean that they have no obligation to keep your personal health information private.

Instead of HIPAA, your personal health information with your Mortgage Protection Insurance Plan insurance company and MIB are protected under the Privacy Act. The Privacy Act has certain protocol and requirements that your life insurance company must follow when discussing or disclosing your medical information. They will provide you with a Privacy Act notice so that you understand the specific boundaries they must follow.

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