Upon receipt of a written request within 90 business days of an adverse underwriting decision to an applicant, policyholder or individual proposed for coverage, the insurance institution or agent shall furnish to such person the specific reason or reasons for the adverse underwriting decision.
An insurance institution, agent, or insurance-support organization may disclose personal or privileged information about an individual to a professional peer review organization for the purpose of reviewing the service or conduct of a medical-care institution or medical professional.
An insurance institution, agent, or insurance-support organization may disclose personal or privileged information about an individual to a governmental authority for the purpose of determining the individual's eligibility for health benefits for which the governmental authority may be liable.
With certain exceptions, a provider, broker, insurance company, insurance producer, information bureau, rating agency, or company, or any other person with actual knowledge of an insured's identity shall not disclose the identity of an insured or information that could be used to identify the insured or the insured's financial or medical information.
This provision states the purposes of Article 2.6 (Underwriting on the Basis of Test of Genetic Characteristics), which include requiring the maintenance of strict confidentiality of personal information obtained through a test of a person's genetic characteristics.
Insurance underwriting based on genetic testing is subject to the requirements of the Insurance Information Protection Act of 1980, including notice, consent, usage and disclosure limitations.
Unauthorized disclosure of results of a test for a genetic characteristic requested by a life or disability insurer is punishable as a misdemeanor, with civil fines, or both, depending on whether the disclosure was willful or negligent.
No long-term care policy or certificate that is issued, amended, renewed, or delivered on and after January 1, 2002 shall contain a provision that prohibits or restricts any health facilities' compliance with the discharge planning policy and process requirements, which includes patients' rights to information and medical transfer summaries for personal representatives, etc.
An insurance institution, agent, or insurance-support organization may disclose personal or privileged information about an individual if the disclosure is permitted or required by law; or the disclosure is in response to a facially valid administrative or judicial order, including a search warrant or subpoena.
An insurance institution, agent, or insurance-support organization may disclose personal or privileged information about an individual collected or received in connection with an insurance transaction to a person whose only use of the information will be in connection with the marketing of a product or service, provided: (1) no medical-record information, privileged information, or personal information relating to an individual's character, personal habits, mode of living, or general reputation is disclosed, and no classification derived from the information is disclosed; or (2) the individual
