Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts
Wednesday, March 28, 2018
Where Do Hospitals Store Patient Information?
Because of its sensitive nature, many hospital patients assume their personal information is safe and secure. Unfortunately, though, data breaches in the medical industry is a common occurrence. In 2015, the health insurance provider Anthem suffered a massive cyber attack in which the personal records of some 78.8 million patients were disclosed. In 2017, Morehead Memorial Hospital of North Carolina said a hacking incident resulted in the disclosure of some 66,000 patient records.
Because of the increased number of data breaches in recent years, many patients wonder where and how hospitals store their personal information. While different hospitals have different policies regarding the creation and storage of Protected Health Information (PHI), most use a few basic storage platforms.
Cloud Service
Many hospitals store patient information on the cloud. In fact, research cited by Forbes suggests that 83 percent of information technology (IT) professionals in the healthcare industry use cloud apps. Storing patient information on the cloud offers several advantages over local storage. When information is uploaded to the cloud, the practitioner or his or her associates can access it from any internet-connected computer. Cloud storage also reduces overhead costs associated with maintaining a local IT infrastructure.
Local Hardware
Even with a cloud service, however, hospitals often store patient information on local hardware. If the cloud service experiences an outage, this allows the hospital to continue its normal operations without any disruption of service. Normally, this data is encrypted to provide a higher level of security. The Health Insurance Portability and Accountability Act (HIPAA) doesn't require medical practitioners to encrypt patient information, but it does require them to implement technical safeguards to protect sensitive records from disclosure. Encryption is one of the most effective technical safeguards as it scrambles the patient's information so that it can't be deciphered without a decrypt key.
Some hospitals also have databases designed specifically for storing electronic health records. Patient information is uploaded to the database, after which the medical practitioner can log in through a secure portal to access it. This eliminates the need for a large file room consisting of thousands of folders. Hospitals can simply create and store patient information on a database instead of keeping physical files.
Medical Imaging Storage Solutions
Patient information consists of more than just names, addresses, phone numbers, Social Security numbers and health insurance identifiers. It also consists of medical images like CT scans, x-rays and MRI scans. When a hospital creates medical images such as these, it must store them in a safe and secure environment.
There are multiple storage solutions available for medical images, one of which is a Vendor Neutral Archive (VNA). This framework involves the use of a special device that stores medical images in a universal format with a universal interface so that other systems can easily access it. By using a VNA, hospitals can ensure that all medical practitioners can easily access a patient's medical images if needed.
Business Associates
Under HIPAA, medical practitioners -- known as covered entities -- are allowed to share patient information with third-party entities if those entities take the appropriate measures to protect the information from unauthorized use or disclosure. If a hospital is seeking advice on how to treat a rare disease from which a patient is suffering, for example, it may share the patient's information with a research organization or another medical practice. HIPAA allows hospitals to share patient information, but only if they implement physical, technical and administrative safeguards, which are the same requirements for covered entities.
The old days of storing patient information in paper files are long gone. Most hospitals have switched to electronic storage solutions, including those mentioned here. It reduces overhead, improves accessibility and offers a more secure storage environment.
Thursday, August 3, 2017
5 Tips to Ensuring You Have Quality Insurance Coverage
Sometimes it is not always about being insured but rather enjoying a quality insurance cover. While it could be difficult to find quality insurance, it is not impossible. Many people just go out and settle for the first insurance cover they come across. Later, they realize it was a mistake, as it doesn’t cover all they expected. Finding quality insurance may take some serious research and a little bit of work but it is worth it. Here are some tips for you before you go shopping for insurance.
Know the exact worth of whatever you want to insure
Many people fail to pay attention to this area mostly because they are ignorant of how crucial it is. Before you settle for any insurance cover, first do a valuation of your property. After you do the math, then you can take a policy that will cover the full value of your property. If you make any mistake in this stage, you may lose some money later after the insurance company tells you that the policy didn’t cover the full value of your property.
Apart from not having enough insurance for your property, the other possibility is that you could be over insured. This happens when you overestimate the value of your property. You are left paying high premiums that are not necessary.
Shop around for reputable insurance companies then compare their quotes
Don’t settle for the first quote you get. There are many good insurance companies out there. Go and get several quotes from those companies. This can help you determine which one is best for you. But don’t always use price as a factor. Understand the quality of insurance and reputation of the companies.
After you get all those quotes, use online tools to compare the quotes. Whichever type of insurance you choose, you can find a comparison tool. The most common are the auto insurance quotes comparison tools online. Here you can select the type of coverage you want and fill all the necessary details to get several quotes from the best insurance companies.
Price can be deceiving. The cheapest insurance isn’t always the best. Instead of using the price only, use the company’s ratings too. To know whether an insurance company will cover you sufficiently, pay attention to what its clients are saying. The ratings can tell you whether customers are satisfied or not. Always go for the companies with the highest ratings and least client complaints. Ratings and reviews are easy to find online, just search the company and check its customer reviews.
Read the terms and conditions
Most people ignore this but regret it later. After you have narrowed down your options to maybe two or three companies, it is time to read each term and conditions. You may find the craziest details in that policy. Make sure you read them all before signing any of them. The agents may not always tell the full truth so it is up to you to find out. This is where you get all limitations of the coverage then choose the one that is fair.
Get additional or add-on coverage if you need it
After reading the terms of the insurance coverage, you may discover some limitations. It may not cover everything you want. In that case, you can choose to insure what is not covered separately. The insurance company may tell you to take an add-on product for that. Take it if you seriously need it. This way you can rest knowing everything is fully covered.
The bottom-line
With so many insurance companies coming up, it can be difficult to choose the right coverage for you. However, by taking some time to fully analyze your situation and the options available, you can choose the best coverage you need. It only needs you to pay close attention to details before you sign any contract. With that in mind, you can get quality coverage for the best price.
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