Brokers Procrastinating? HITECH Regs Will End That Soon

Posted April 28, 2010 by John Nail
Categories: Business, Healthcare, Healthcare Insurers, Healthcare Reform, Insurance

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If like most brokers you still have not gotten compliant with HIPAA HITECH at least some of your major excuses will be ending soon. HHS will issue final regs on a number of HITECH items including BA penalties an enforcement next Month.

If you are still hoping that somehow brokers and benefits consultants and the work they do for clients will be magically exempted you can end that wishful thinking now. The regs will not change the law only get more specific on it and exempting any group that handles confidential employee data is simply not going to happen, especially now that healthcare reform has passed and it simplification provisions call for common data for plans by 2014.

In particular encryption of data is definitely not going to be changed. That is a given.

RadarMail 360 has options for all size organizations from solopreneurs to the largest firms.

For less than a buck a user per day we can have you up and running with the best encryption solution in the benefits and healthcare industry in less than 48 hours.

Why are you still procrastinating and leaving your firm open to willful neglect penalties and bad press for your firm?

Contact us today and solve your problem easily and cost effectively.


The PHI Magic 18 for HIPAA HITECH

Posted April 27, 2010 by John Nail
Categories: brokers, Business, Employee Benefits, Healthcare, Healthcare Insurers, Healthcare Reform

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One question that keeps coming up in our webinars is what exactly defines PHI. There are 18 elements that individually, in concert or if they can be related to other information define protected personal information.

Here is a quick list. The details are here from our good friend the “Privacy Professor”, Rebecca Herold.

(1) Names

(2) All geographic subdivisions smaller than a State, including street address, city, county, precinct, zip code, and their equivalent geocodes, except for the initial three digits of a zip code if, according to the current publicly available data from the Bureau of the Census:

(a) The geographic unit formed by combining all zip codes with the same three initial digits contains more than 20,000 people; and

(b) The initial three digits of a zip code for all such geographic units containing 20,000 or fewer people is changed to 000.

(3) All elements of dates (except year) for dates directly related to an individual, including birth date, admission date, discharge date, date of death; and all ages over 89 and all elements of dates (including year) indicative of such age, except that such ages and elements may be aggregated into a single category of age 90 or older;

(4) Telephone numbers;

(5) Fax numbers;

(6) Electronic mail addresses;

(7) Social security numbers;

(8) Medical record numbers;

(9) Health plan beneficiary numbers;

(10) Account numbers;

(11) Certificate/license numbers;

(12) Vehicle identifiers and serial numbers, including license plate numbers;

(13) Device identifiers and serial numbers;

(14) Web Universal Resource Locators (URLs);

(15) Internet Protocol (IP) address numbers;

(16) Biometric identifiers, including finger and voice prints;

(17) Full face photographic images and any comparable images; and

(18) Any other unique identifying number, characteristic, or code, except as permitted by paragraph (c) of this section; and

(ii) The covered entity does not have actual knowledge that the information could be used alone or in combination with other information to identify an individual who is a subject of the information

“Going Mobile” – The Industry Radar’s New Site

Posted April 26, 2010 by John Nail
Categories: Business, Employee Benefits, Healthcare, RSS Feeds, social media, Technology

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On of my enduring memories of the fall of 1971 when I started college was the Who’s “Going Mobile” blasting across the quad. So now 39 years later  I am really “Going Mobile”!

Of course or nearly 3 years we have had mobile versions of most of our feeds but never a mobile site until now.

Bookmark this page and enjoy The Industry Radar home page and our always popular daily cartoon and 6 main Radars on any mobile device!

We will also be launching a dedicated mobile support center soon as well as sites for each main radar.

Still one of my favorite songs and albums you can hear it hear if you would like to.

I don’t care about pollution
I’m an air-conditioned gypsy
That’s my solution
Watch the police and the taxman miss me!
I’m mobile!

Ahh those were the days…

PPACA in 5 Minutes – Overview Video

Posted April 22, 2010 by John Nail
Categories: brokers, Business, Employee Benefits, Healthcare, Healthcare Insurers, Healthcare Reform

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Click the image for a great concise 5 minute overview of the law and its impact in 2010/2o11 from my old UNUM collleague David Cleary.

Its PPACA…Not Alpaca

Posted April 21, 2010 by John Nail
Categories: brokers, Business, Employee Benefits, Healthcare, Healthcare Insurers, Healthcare Reform

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We thought we might try and make the confusing topic of healthcare reform – formally known as  “Patient Protection and Affordable Care Act” – or PPACA for short – a little more fun.

Introducing as you one resource for the best content on the web for researching and understanding this important new legislation.

In fact the webmaster for the website is PPACA the Alpaca, a gentle and patient creature, as all alpacas are, whose job it is to patiently find the best resources and ultimately answer your questions without any political or emotional agenda.

We will be creating a master FAQ database culled from sources we find online with links to them for you as well.

Visit frequently as content is updated daily.

PPACA welcomes content suggestions, questions and helpful ideas so please email him at

We hope you find this site useful in navigating the brave new world of healthcare.

Healthcare Reform Radar Launched as One Stop for Help

Posted April 20, 2010 by John Nail
Categories: brokers, Business, Employee Benefits, Healthcare, Healthcare Insurers, Healthcare Reform, politics

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Whether you like it or not – and there is plenty not to like (as well as to like) and yet to be defined – the health reform bill – PPACA –  is the law of the land. Yes it is big and confusing, but not as much as one might think when experts, like the links we provide put their minds to the task.

I know many of you, especially brokers have been busy answering questions for clients and putting on education sessions so the Industry Radar decided to create a special section to help.

We have looked at over 200 websites from brokers, carriers, media, consultants and more to put together our overview and links for you.

We have summarized the law by five major areas for you in a timeline and the links at the top of each page were the best resources we found – the ones in bold being the most useful. There are web links, PDFs, on demand webinars, slide decks and more for you to access for your research.

Where did we find the least resources? Amazingly – or maybe not so –  the healthplans sites were worthless in terms of the information on their sites. The five links you see are all that we could find for 100 or so national, BCBS and regional plans we follow.  The industry media was even less useful, just as they had been with HIPAA HITECH. Literally nothing to use on any site but Business Insurance. The mainstream media had numerous quality sources led by CNN and CBS.

Most helpful,  as usual, were brokers of many sizes. Gallagher, Willlis, Buck, Segal/Sibson, Trion, Precept were among the better sites as well as Benico from Huntley, Il. John Garven, a mid sized broker and long time student of the industry has a great resource center and a great website in general.

The vast majority of the 100 websites we looked at of the Top 100 BI list of brokers,  actually under a third, had any specific information readily visible and many simply had links to third party sources which has value at least.

If you would like us to include your site and any of its resources here or have any other good links email me and we will look at them.

PS – To their credit at least today UHC and Wellpoint announced that they will extend coverage to those <26 immediately, even though hteh law for that doesn’t go into effect until 9/23/2010. Bravo to them for showing leadership on a provision that can cover as many as 6 million of our children at little real cost acting in the spirit of reform. A very nice gesture.

ZixGateway – RadarMail 360’s Encryption Partner – Wins New Award

Posted April 20, 2010 by John Nail
Categories: brokers, Business, Employee Benefits

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When we tell you that we only partner with world class solutions we mean it and once again ZixCorp – our email encryption partner has won an award for its unique and industry leading Zix Gateway (ZixVPM) platform.

Here is what Network Products Guide had  to say about Zix:

“Innovative products, such as ZixGateway 4.0, are bringing essential and incremental changes and setting the bar higher for others in all areas of information technology.”

2010 Product Innovations – Network Products Guide

What makes it Innovative?

ZixDirectory is the largest and only shared infrastructure of public email encryption keys in the world. As an integral part of the service provided with ZixGateway and ZixMail the ZixDirectory enables users to transparently send and receive encrypted emails without having to exchange identities. Emails are automatically encrypted/decrypted at the network boundary creating transparency for users while allowing organizations to meet auditing and security requirements. In addition when used with either ZixGateway or ZixMail the ZixDirectory makes it possible to send secure emails to anyone anywhere without pre-registration or configuration using standard Push and Pull delivery methods.

Your organization – from solopreneur to the largest organization can use this award winning solution when you buy on of the 4  RadarMail 360 suited for your business.

World class solutions that are HIPAA HITECH, GLBA, Red Flag and state privacy law compliant used by over 2o million people.

Click Here to learn more about how RadarMail 36o can help you meet your compliance needs.