Completing the Application, Underwriting, Delivering Policies, Contract Law
Under HIPAA, what permits a covered health provider to disclose protected health information to a life insurer for coverage purposes?
Answer and explanation
Answer: D. HHS identifies disclosure to a life insurer for coverage purposes as an example that requires the individual's authorization. A valid authorization must be in plain language and contain the required specific terms.Source: U.S. Department of Health and Human Services — Summary of the HIPAA Privacy Rule — Authorized Uses and Disclosures > Authorization; life-insurer example
More completing the application, underwriting, delivering policies, contract law questions
- An insurer declines an application partly because of a consumer report. Which item belongs in the FCRA adverse-action notice?
- An insurer issues a policy although one health question on the application was left completely blank. What is the usual legal consequence for the insurer?
- An investor offers to fund a new policy only if the applicant agrees at inception to transfer it for settlement. What is the main concern?
- An owner receives a replacement life policy approved under the Insurance Compact standards and decides during the required review period that it is unsuitable. What action preserves the free-look remedy?
- An underwriter wants to obtain an applicant's medical records from a treating physician. What is required first?
- At delivery, a client is confused about a rider and an exclusion. What should the producer do?
590 Texas questions like this one.
Every answer explained, the ones you miss come back on a spaced schedule, and a plan built from your exam date.