Which of the following critical issues in health care were addressed b

Which of the following critical issues in health care were addressed by The Health Insurance Portability and Accountability Act (HIPAA) of 1996? (Select all that apply.)

a. Portability of insurance coverage
b. COBRA, maintaining coverage for those who lose their jobs
c. Insurance companies having a total monopoly in a certain geographic area
d. Insurance companies setting limits on coverage of longer than 12 months
e. Insurance companies charging seriously ill persons more than healthy persons
f.
Insurance companies paying the same for mental health coverage as for physical illnesses

ESSAYBID ANSWER

ANS: A, D
The HIPAA of 1996 addressed insurance issues. Critical were the portability of coverage and preexisting conditions. Insurers cannot set limits on coverage longer than 12 months. COBRA was established through the Consolidated Omnibus Budget Reconciliation Act of 1985. The McCarren-Ferguson Act of 1945 gave states the exclusive right to regulate health insurance plans. The Mental Health Parity and Addictions Equity Act of 2008 mandated that insurance companies must provide the same coverage for mental health as for physical illness. Health Care Reform legislation prevents insurance companies from charging seriously ill persons more than healthy persons.