Understanding How HIPAA Affects Availability of Health Information to Other Parties

In 1996, Congress passed the Health Insurance Portability and Accountability Act, which is commonly referred to as HIPAA. This act outlines who has lawful access to a person's health records. Under the act, a person has a guaranteed provision to his or her own health information. However, it does set limits on the release and use of medical data....

What Illinois Small Businesses and Its Employees Need to Know About PPACA Delays

After the part of the Patient Protection and Affordable Care Act that was to provide small business employees with coverage options was delayed by the Obama administration, workers at...

Understanding Disability Insurance

In celebration of Disability Insurance Awareness Month, we present a tutorial on some terms to help you understand the basics of a disability policy. After you read the information below, check your...

Disability by the Numbers

Most people understand the importance of life insurance and that, without its protection, a family or business can be left with devastating financial consequences.  A disabling injury or illness...

Understanding the Medical Loss Ratio & How Rebates Work

Under the Patient Protection and Affordable Care Act, insurers are required to report all MLRs to regulators in order to meet specific Medical Loss Ratio goals. If insurers exceed the minimum...

How Health Reform Will Affect Illinois Small Business Owners

Although the Patient Protection and Affordable Care Act passed, many small business owners still do not fully understand all of its implications. Some believe that it will still be repealed, and...
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