everyone Welcome back to the course in the last video, we just took a look at the course introduction. So we talked about the overall course objectives, which again the main one is actually just learning at what hip is on and why it's important. And then also, we're gonna be learning about the S r A tool. We'll get some hands on experience with that.
We also talked about my selfish, your instructors. Who am I? Who is this crazy guy giving you this fund course on hip? Who gets excited about hip it, right? And then we also talked about the core structure is Well,
so in this video, we're gonna talk about what hip is we're gonna talk about the importance of it will kind of break things down like the different titles of hip just so you can get a better understanding of what hip is. Completely
So just a quick pre assessment question. Anyone in health care out there should hopefully be able to get this correct, eh? So what is the acronym hippo? Stand for
*** if you guessed. Answer. D as in dog, you are correct. It stands for the health insurance portability and Accountability Act. You will see people spelling it. H i p p ay, I'm still not sure what that actually stands for. I've been trying to determine that for several years now, but that is incorrect. If you see it as a chai P p A. That is incorrect.
The correct answer is gonna be a chai p a a. That's the actual acronym.
So what is hip? Well, already mentioned what it stands for. It was passed back in 1996 and basically it required health of the human service is to create regulations that protect your health information.
And when we talk about health information, we're talking about things like P h. I so protected health information and P i I personally identifiable information. So think of your date of birth Social Security number. Think of like a chart number that's linked back to yourself security number. Think about a certain surgical procedure that, you know, list like your name or some kind of other identifying information.
So all that fun stuff
that basically would allow me to figure out you got your left leg cut off, you know, or that you've got an STD or something like that. That's what we're trying to protect here. So that way, people like me. Well, I wouldn't do it. But you know, people with nefarious intent can't get your information and go ahead and use it.
And we got different titles of HIPPA. So we've got titles. One through five, we'll talk about those in just a second. And then with those those will help us jump into the next part where we talk about, like the security rule in privacy rule. And the overarching goal of hip is basically keeping as I mentioned, the nefarious people or just
people in general that shouldn't get your health information, keeping them from getting that information,
also helping to protect it from people that may accidentally just give it out. You know, you've got people that don't have common sense out there, even though it should be a standard thing in life. S O basically hip was there to protect your health information from all of those types of people, whether they got nefarious intent or whether they're just accidentally
sharing your health information with the world.
So I mentioned Title. So Title one here
is the focus on health care, access, portability and renew ability. So mostly this one focused on people that s o back in the day before hip. If you lost her, change your job a lot of times your coverage, you couldn't get continuing coverage. So basically, you had a period of time before your new jobs coverage took effect. And so if you know little Susie, your daughter got sick.
We went to the doctor here to pay all that out of pocket. So
we basically passed this to allow people that if the loser change your job, there's gonna be some kind of coverage. That's an option for you. So that way you have. You can get a thing called Cobra essentially, and it allows you to have some measure of health insurance until your new stuff kicks in.
They also title one. Also put some stipulations in place, you know. So basically, it limited the restrictions that group health plans had on pre existing conditions. So, um,
the essential limitations there on that group health care coverage can only refuse benefits that relate to pre existing conditions for 12 months after enrollment or 18 months. You know, if it's like the late enrollment. So basically, they can't like deny you forever is what that means
also. Ah, you know, as I mentioned, it covers, you know, credible coverage. So basically, Ah, that's essentially all groups of health health plans, You know, some things like Medicare, Medicaid, or like your individual, you know, private insurance plans. It also defined a significant break
as any 63 day period. So that way you you know what that means when they talk about
the individual going without coverage? That's kind of the stipulation there, 63 day period. And it also allowed one thing. It also allowed your premiums to be tied to and a lot employers. Um,
we're happy about this on whatever your you know, your particular view is on it, but basically allowed your premiums to be tied to avoiding the use of like, things like tobacco or having a healthy BM i or body mass index if you don't know what that is. So basically, if you're a healthier person, you could potentially get lower premiums. That's kind of what that did for you.
And then we have title to so basically title to established the
privacy security for the
personally identifiable information. So your health information P h I M p I on and also outlined what thesis it'll and criminal penalties are. So we talk about the security and privacy rules. That's the main thing. It's not a title, too. And then, of course, along with security rule, we're protecting Elektronik P. H I.
And then, as I mentioned, it's basically set thesis. It'll in criminal penalty. So we will talk about that a little later on a SW, far as like the actual monetary values and that sort of stuff a CZ part of HIPPA. But just know that title, too, if you get asked a question on it, not some exam someplace with your employer or whatever. Just know that title to is gonna be security and privacy rules
and just understand that that's going to be basically established. You protect your information
title to also created programs to help control the fraud and abuse. And it also added administrative simple simplification rules as well.
Then we have title three, so that's where we start talking about,
and then we have title to. So this is where we established the protection for your personally identifiable information. You protected health information. Eso essentially this
title set the criminal and civil penalties as well. So, of course, the security privacy rules. And we'll talk about this a little more in just a little bit. But it also sets specific civil and criminal penalties for any violations of that. So if you see out there in the news a lot, you'll see all they hit. You know this company X with a
you know, $2 million fine and whatever for, you know, losing somebody's health information or selling it, or whatever the case might be,
That's where Title to comes into play. It actually sets the specific monetary values as well as a criminal upper end in lower end sentencing that can be done for any violations
within half. Title three So tired of three is all around tax related health provision that's cover the medical savings accounts. So again, I talked about the H essays,
so that's where this comes into play. So most people are familiar with the health spending accounts, or you might be called like flexible spending accounts, many different names out there. Essentially, what it does is allows you to put away pretax dollars into essentially, what's a medical savings account.
And then from there you can take that money and use it for things like you know, premiums you can use it for, you know, paying your doctor on a pocket, paying for procedures, et cetera.
I think of it like a special savings account, so to speak, the difference being that you can't like. Basically most of them are user lose, right? So if I put you know $20,000 away in mind throughout the year, but I never use any of it, I essentially losing that money like I don't know. There's some instances where you can roll it over
many different things that's outside the scope of this course. But
for the most part, if you put it in there and you don't use it, you lose it.
And of course you know you get the pre tax advantage, so that's why you know they put in place. Otherwise, I'm sure people and I'm stuck in a way like the retirement savings into the H S. A and getting all excited because they don't want to pay taxes.
We don't have title for us. A total of four basically specifies conditions for group health plans. So again, this one kind of does a deeper dive into pre existing conditions on and then you know, it also mentions about Cobra eso. It gives some clarification surrounding copra. If you don't know, a Cobra is basically if I lose my job. If I quit my job
in at least two here in the United States, I'm able to sign up for what's called Cobra Insurance, and that gives me some coverage.
Of course, it costs more, but it gives me some coverage until, by new insurance policy takes effect. There's generally a period of time that you're allowed to do co. Before I forget exactly what the period is as of the filming of this video. But just understand that you have a short period of time to go ahead and get your coverage
on and use it and then you'll. Hopefully your new employer's coverage takes effect.
Tot of five is basically applying to employers eso. It gives provisions for company own life insurance for the employers. Eso. Basically it prohibits tax deduction of interest on life insurance loans, things like company endowments or contracts related to the company. So
You know, as with any legislation,
somebody was doing it the wrong way. And, you know, they put legislation in place to prevent that, or at least mitigate that some capacity. It also discusses people that will give up you a citizenship or permanent residents basically trying to avoid taxes. So this this title five covers that as well. So
basically, it expands the what's called the expatriation tax
s. So that way, if you're trying to give up your citizenship just to avoid taxes,
Uncle Sam is still going to get you essentially is what the gist of all that is.
And the other thing it did were guarding the citizens eyes. Basically, it puts their names as part of a public record through the base against the creation of the quarterly publication of individuals who have chosen to expatriate. So basically, this allowed you are allowed the government to publish your name in that in that quarterly publication.
Ah, and basically say that Kay, here's this person that's an expatriate now.
So if you were trying to be sneaking in and, you know, hide from an ex wife and avoid taxes at the same time, uh, your ex wife could potentially find you. Now
I'm gonna go ahead and policy video there. So in this video, so far we've covered
the five titles of Hippo. We also talked about what hip it is. In the next video, we're gonna move through and start talking about the security and privacy rules. We're gonna talk about the different penalties related to hip.