HIPAA Privacy Rule & Highly Contagious Communicable Diseases
Life & Health Insurance Agents live & die by HIPAA laws that protect the Personally Identifiable Health Information of Patients. Duty-bound by ETHICS, when we sit one-on-one with a Client, they share with us the mostly deeply personal details of their Medical information.
For example, when we do a Medication Management Review to see if the persons prescriptions are in the Plan's Prescription Drug Formulary, it is to determine the Suitability of a particular plan for that person.
Suitability of Coverage is huge for Insurance Agents of all kinds. In Medicare, this information isn't used to deny Coverage based on answers to Health Questions because the language of Pre-Existing Conditions does not exist in Medicare unlike in Life Insurance.
With Life Insurance, on the other hand Pre-Existing Conditions can & do render a person Uninsurable & Policies can be denied.
With all kinds of Insurance, Agents are REQUIRED to protect the person's PHI - Personally Identifiable Health Information.
This speaks to the reason WHY HIPAA Laws exist.
HIPAA, the Health Insurance Portability & Accountability Act of 1996 recognizes that the release of Private Health Information, like for instance if a person was an HIV/AIDS patient, it would render them as a Societal Leper.
When my daughter was born in the early 1990s at the beginning of the AIDS scare, we almost lost a life-long friend that my children's father had known since childhood, a gay man whose partner was HIV-Positive.
The AIDS fear was very real & not much was known about it in terms of contagion or transmission methods, & my Ex REFUSED to let our life-long friend hold my baby daughter.