Consumer Information and Privacy

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Chapters in this video

  1. 0:00 Medical Information and HIPAA Scope
  2. 2:02 Three Privacy Laws and Report Sources
  3. 3:10 FCRA Adverse Actions and 60 Days
  4. 5:03 GLBA Notices and Conditional Opt-Outs
  5. 6:41 HIPAA Covered Entities and Treatment
  6. 7:56 Disputing and Correcting Records
  7. 9:07 Rapid-Fire Exam Recap

What this video covers

  • What the FCRA, GLBA, and HIPAA each cover, and why having medical information does not automatically make a life insurer a HIPAA-covered entity
  • How a consumer report differs from medical records, and when Medical Information Bureau (MIB) information can count as a consumer report
  • What qualifies as an adverse insurance action, what the notice must explain, and the 60-day period to dispute a report or request a free copy
  • When GLBA privacy notices may be delayed and when a consumer must receive a reasonable opportunity to opt out of certain disclosures
  • Which organizations are HIPAA-covered entities, and why underwriting records do not authorize a medical test or treatment
  • How to dispute a consumer report through the reporting agency or request a chart amendment through the provider
  • Why producers should verify identity, protect sensitive information, and avoid promises about underwriting or permitted sharing

Read the full lesson, free

This video's complete written lesson is free to read in the CertFuel app, no signup wall. The complete Life and Health course also includes adaptive practice questions and spaced-repetition flashcards, available in Free Beta.

Read the Free Lesson → free · no signup wall