Pennsylvania Code
Title 31 - INSURANCE
Part VIII - Miscellaneous Provisions
Chapter 146b - PRIVACY OF CONSUMER HEALTH INFORMATION
Subchapter B - RULES FOR DISCLOSURE OF NONPUBLIC PERSONAL HEALTH INFORMATION
Section 146b.11 - Authorization required for disclosure of nonpublic personal health information

Universal Citation: 31 PA Code ยง 146b.11

Current through Register Vol. 54, No. 44, November 2, 2024

(a) Authorization required. A licensee may not disclose nonpublic personal health information about a consumer unless an authorization is obtained from the consumer whose nonpublic personal health information is sought to be disclosed.

(b) Insurance function exception. Nothing in this section prohibits, restricts or requires an authorization for the disclosure of nonpublic personal health information by a licensee to the extent that the disclosure of nonpublic personal health information is necessary for the performance of one or more of the following insurance functions by or on behalf of the licensee:

(1) Claims administration, including coordination of benefits and subrogation.

(2) Claims adjustment, investigation, negotiation, settlement and management.

(3) Detection, prevention, investigation or reporting of actual or potential fraud, misrepresentation or criminal activity.

(4) Underwriting.

(5) Policy placement or issuance.

(6) Loss control.

(7) Ratemaking and guaranty fund functions.

(8) Reinsurance and excess loss insurance.

(9) Risk management.

(10) Case management.

(11) Disease management and wellness programs.

(12) Quality assurance.

(13) Quality improvement.

(14) Performance evaluation.

(15) Provider training, accreditation or certification by a recognized accrediting or certifying body, license and credential verification.

(16) Utilization review.

(17) Peer review activities.

(18) Actuarial, scientific, medical or public policy research.

(19) Grievance and complaint procedures.

(20) Internal administration of compliance, managerial and information systems.

(21) Policyholder service functions.

(22) Auditing.

(23) Reporting (examples include reporting to medical index or consumer reporting bureaus and legally required reporting of disease, injury, vital statistics, child or adult abuse, neglect or domestic violence).

(24) Database security.

(25) Administration of consumer disputes and inquiries.

(26) External accreditation standards.

(27) The replacement of a group benefit plan or workers compensation policy or program.

(28) Activities in connection with a sale, merger, transfer or exchange of all or part of a business or operating unit.

(29) An activity that permits disclosure without authorization under the Federal regulation.

(30) Disclosure that is required, or is one of the lawful or appropriate methods, to enforce the licensee's rights or the rights of other persons engaged in carrying out a transaction or providing a product or service that a consumer requests or authorizes.

(31) An activity otherwise permitted by law, required under governmental regulatory or reporting authority, or to comply with legal process.

(32) Compliance with qualified medical child support Orders.

(33) Preventive service reminders that do not require disclosure of nonpublic personal health information that a consumer has not previously disclosed directly to the recipient of the information.

(c) Disclosure of nonpublic personal health information. Disclosure of nonpublic personal health information is necessary when the disclosure is required or when disclosure is usual, appropriate or acceptable for the purpose of performing an insurance function identified in subsection (b).

(d) Insurance functions performed by third parties on behalf of the licensee. A licensee may disclose nonpublic personal health information to a third party not licensed by the Department provided that the nonpublic personal health information is disclosed only for the purposes of carrying out one or more of the insurance functions identified in subsection (b). The Department may hold a licensee responsible for disclosures made by a third party that violate the requirements of this chapter.

(e) Additional insurance functions. Additional insurance functions may be added with the approval of the Commissioner to the extent they are necessary for appropriate performance of insurance functions and are fair and reasonable to the interest of consumers.

This section cited in 31 Pa. Code § 146b.12 (relating to authorizations).

Disclaimer: These regulations may not be the most recent version. Pennsylvania may have more current or accurate information. We make no warranties or guarantees about the accuracy, completeness, or adequacy of the information contained on this site or the information linked to on the state site. Please check official sources.
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