Privacy Policy

The Teachers Health Trust (the "Trust") recognizes the importance of protecting the privacy of information we may collect from our online visitors. The Trust does not sell or provide names, e–mail address or other information to any third party for any reason. Furthermore, the Trust does not believe in sending e–mail ("spam") to people that do not wish to receive it.

This notice describes how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully.

Health Information Privacy

This Notice is required by the Health Insurance Portability and Accountability Act ("HIPAA") and is intended to describe how the Teachers Health Trust, to the extent applicable to you, will protect your health information. "Health information" for this purpose means information that identifies you and either relates to your physical or mental health condition, or relates to the payment of your health care expenses. This individually identifiable health information is known as "protected health information" ("PHI"). Your PHI will not be used or disclosed without a written authorization from you, except as described in this Notice or as otherwise permitted by federal or state health information privacy laws.

Trust Privacy Obligations

The Trust is required by law to:

  • Make sure that health information that identifies you is kept private;
  • Give you this Notice of their legal duties and privacy practices with respect to health information about you; and
  • Follow the terms of the Notice that are in effect.

How the Trust May Use and Disclose Health Information About You

The Trust may use health information or disclose it to others for a number of different reasons. The following are the different ways that the Trust may use and disclose your PHI without your authorization:

  • For Treatment. The Trust may disclose your PHI to a health care provider who provides, coordinates or manages health care treatment on your behalf. For example, if you are unable to provide your medical history as a result of an accident, the Trust may advise an emergency room physician about the different medications that you may have been prescribed.
  • For Payment. The Trust may use and disclose your PHI so claims for health care treatment, services, and supplies that you receive from health care providers may be paid according to the Trust's terms. The Trust may also use your PHI for billing, reviews of health care services received, and subrogation. For example, the Trust may tell a doctor or hospital whether you are eligible for coverage or what percentage of the bill will be paid by the Trust.
  • For Health Care Operations. The Trust may use and disclose your PHI to enable them to operate more efficiently or to make certain that all of their participants receive the appropriate health benefits. For example, the Trust may use your PHI for case management, to refer individuals to disease management programs, for underwriting, premium rating, activities relating to the creation, renewal or replacement of a contract of health insurance or health benefits, to arrange for medical reviews, or to perform population–based studies designed to reduce health care costs. In addition, the Trust may use or disclose your PHI to conduct compliance reviews, audits, legal reviews, actuarial studies, and/or for fraud and abuse detection. The Trust may also combine health information about participants and disclose it to designated Trust personnel or others in a non–identifiable, summary fashion so that they can decide, for example, what types of coverage the Trust should provide. The Trust may also remove information that identifies you from health information that is disclosed to the designated Trust personnel or others so that the health information that they use does not identify the specific Trust participants.
  • To Trust Employees. The Trust may disclose your PHI to designated Trust employees so that they can carry out related administrative functions, including the uses and disclosures described in this Notice. Such disclosures will be made only to the individuals authorized to receive such information under the Trust. These individuals will protect the privacy of your health information and ensure that it is used only as described in this Notice or as permitted by law. Unless authorized by you in writing, your health information: (1) may not be disclosed by the Trust to any employee or department, other than designated Trust personnel, and (2) will not be used by Trust employees or others for any employment–related actions or decisions, or in connection with any other employee benefit plans sponsored by the Trust.
  • To a Business Associate. Certain services are provided to the Trust by third–party administrators known as "business associates." For example, the Trust may place information about your health care treatment into an electronic claims processing system maintained by a business associate so that your claim may be paid. In so doing, the Trust will disclose your PHI to their business associates so that the business associates can perform their claims payment functions. However, the Trust will require their business associates, through written agreements, to appropriately safeguard your health information.
  • For Treatment Alternatives. The Trust may use and disclose your PHI to tell you about possible treatment options or health care alternatives that may be of interest to you.
  • For Health–Related Benefits and Services. The Trust may use and disclose your PHI to tell you about health–related benefits or services that may be of interest to you.
  • For Individuals Involved in Your Care or Payment of Your Care. The Trust may disclose PHI to a close friend or family member involved in or who helps pay for your health care. The Trust may also advise a family member or close friend about your condition, your location (for example, that you are in the hospital), or death, unless other laws would prohibit such disclosures.
  • As Required by Law. The Trust will disclose your PHI when required to do so by federal, state, or local law, including those laws that require the reporting of certain types of wounds, illnesses or physical injuries.

Special Use and Disclosure Situations

The Trust may also use or disclose your PHI without your authorization under the following circumstances:

  • Lawsuits and Disputes. If you become involved in a lawsuit or other legal action, the Trust may disclose your PHI in response to a court or administrative order, a subpoena, warrant, discovery request, or other forms of lawful due process.
  • Law Enforcement. The Trust may release your PHI if asked to do so by a law enforcement official, for example, to report child abuse, to identify or locate a suspect, material witness, missing person or to report a crime, the crime's location or victims, or the identity, description, or location of the person who committed the crime.
  • Workers' Compensation. The Trust may disclose your PHI to the extent authorized by and to the extent necessary to comply with workers' compensation laws and other similar programs.
  • Military and Veterans. If you are or become a member of the U.S. armed forces, the Trust may release medical information about you as deemed necessary by military command authorities.
  • To Avert Serious Threat to Health or Safety. The Trust may use and disclose your PHI when necessary to prevent a serious threat to your health and safety, or the health and safety of the public or another person.
  • Public Health Risks. The Trust may disclose health information about you for public health activities. These activities include preventing or controlling disease, injury or disability; reporting births and deaths; reporting child abuse or neglect; or reporting reactions to medications or problems with medical products, or to notify people of recalls of products they have been using.
  • Health Oversight Activities. The Trust may disclose your PHI to a health oversight agency for audits, investigations, inspections, and licensure necessary for the government to monitor the health care system and government programs.
  • Research. Under certain limited circumstances, the Trust may use and disclose your PHI for medical research purposes.
  • National Security, Intelligence Activities, and Protective Services. The Trust may release your PHI to authorized federal officials: (1) for intelligence, counterintelligence, and other national security activities authorized by law and (2) to enable them to provide protection to the members of the U.S. government or foreign heads of state, or to conduct special investigations.
  • Organ and Tissue Donation. If you are an organ donor, the Trust may release medical information to organizations that handle organ procurement or organ, eye, or tissue transplantation, or to an organ donation bank to facilitate organ or tissue donation and transplantation.
  • Coroners, Medical Examiners, and Funeral Directors. The Trust may release your PHI to a coroner or medical examiner. This may be necessary, for example, to identify a deceased person or to determine the cause of death. The Trust may also release your PHI to a funeral director, as necessary, to carry out his/her responsibilities.

Your Rights Regarding Your Health Information

You have the following rights regarding the health information that the Trust maintains about you:

  • Right to Inspect and Copy Your Personal Health Information. You have the right to inspect and copy your PHI that is maintained in a "designated record set" for so long as the Trust maintains your PHI. A "designated record set" includes medical information about eligibility, enrollment, claim and appeal records, and medical and billing records maintained by the Trust, but does not include psychotherapy notes, information intended for use in a civil, criminal or administrative proceeding, or information that is otherwise prohibited by law.To inspect and copy health information maintained by the Trust, submit your request in writing to the HIPAA Privacy Officer. The Trust may charge a fee for the cost of copying and/or mailing your request. The Trust must act upon your request for access no later than 30 days after receipt (60 days if the information is maintained off–site). A single, 30–day extension is allowed if the Trust is unable to comply by the initial deadline. In limited circumstances, the Trust may deny your request to inspect and copy your PHI. Generally, if you are denied access to your health information, you will be informed as to the reasons for the denial, and of your right to request a review of the denial.
  • Right to Amend Your Personal Health Information. If you feel that the health information that the Trust have about you is incorrect or incomplete, you may ask the Trust to amend it. You have the right to request an amendment for so long as the Trust maintains your PHI in a designated record set. To request an amendment, send a detailed request in writing to the HIPAA Privacy Officer. You must provide the reason(s) to support your request. The Trust may deny your request if you ask the Trust to amend health information that was: (1) accurate and complete; (2) not created by the Trust; (3) not part of the health information kept by or for the Trust; or (4) not information that you would be permitted to inspect and copy. The Trust has 60 days after the request is received to act on the request. A single, 30–day extension is allowed if the Trust cannot comply by the initial deadline. If the request is denied, in whole or in part, the Trust will provide you with a written denial that explains the basis for the denial. You may then submit a written statement disagreeing with the denial and, if permitted under HIPAA, have that statement included with any future disclosures of your PHI.
  • Right to An Accounting of Disclosures. You have the right to request an "accounting of disclosures" of your PHI. This is a list of disclosures of your PHI that the Trust has made to others for the six (6) year period prior to the request, except for those disclosures necessary to carry out treatment, payment, or health care operations, disclosures previously made to you, disclosures that occurred prior to April 14, 2003 (the HIPAA compliance date), or in certain other situations described under HIPAA.To request an accounting of disclosures, submit your request in writing to the HIPAA Privacy Officer. Your request must state a time period, which may not be longer than six (6) years prior to the date the accounting was requested. If the accounting cannot be provided within 60 days, an additional 30 days is allowed if the Trust provides you with a written statement of the reasons for the delay and the date by when the accounting will be provided. If you request more than one accounting within a 12–month period, the Trust will charge a reasonable, cost–based fee for each subsequent accounting.
  • Right to Request Restrictions. You have the right to request a restriction on the health information that the Trust uses or discloses about you for treatment, payment, or health care operations. You also have the right to request that the Trust limit the individuals (for example, family members) to whom the Trust discloses health information about you. For example, you could ask that the Trust not use or disclose information about a surgical procedure that you had. While the Trust will consider your request, it is not required to agree to it. If the Trust agrees to the restriction, it will comply with your request until such time as the Trust provides written notice to you of their intent to no longer agree to such restriction, or unless such disclosure is required by law.To request a restriction or limitation, make your request in writing to the HIPAA Privacy Officer. In your request, you must state: (1) what information you want to limit; (2) whether you want to limit the Trust's use, disclosure, or both; and (3) to whom you want the limit(s) to apply. Note: the Trust is not required to agree to your request.
  • Right to Request Confidential Communications. You have the right to request that the Trust communicate with you about health matters using alternative means or at alternative locations. For example, you can ask that the Trust send your explanation of benefits ("EOB") forms about your benefit claims to a specified address. To request confidential communications, make your request in writing to the HIPAA Privacy Officer. The Trust will make every attempt to accommodate all reasonable requests. Your request must specify how or where you want to be contacted.
  • State Privacy Rights. You may have additional privacy rights under state laws, including rights in connection with mental health and psychotherapy reports, pregnancy, HIV/AIDS–related illnesses, and the health treatment of minors.
  • Right to a Paper Copy of this Notice. You have the right to a paper copy of this Notice upon request. This right applies even if you have previously agreed to accept this Notice electronically. You may write to the HIPAA Privacy Officer to request a written copy of this Notice at any time.

Changes to this Privacy Notice

The Trust reserves the right to change this Notice at any time and from time to time, and to make the revised or changed Notice effective for health information that the Trust already has about you, as well as any information that the Trust may receive in the future. The revised Notice will be provided to you in the same manner as this Notice, or electronically if you have consented to receive the Notice electronically.

Complaints

If you believe that your health information privacy rights as described under this Notice have been violated, you may file a written complaint with the Trust by contacting the person listed at the address under "Contact Information". You may also file a written complaint directly with the Trust's regional office of the U.S. Department of Health and Human Services, Office for Civil Rights. The complaint should generally be filed within 180 days of when the act or omission complained of occurred. Note: You will not be penalized or retaliated against for filing a complaint.

Other Uses and Disclosures of Health Information

Other uses and disclosures of health information not covered by this Notice or by the laws that apply to the Trust will be made only with your written authorization. If you authorize the Trust to use or disclose your PHI, you may revoke the authorization, in writing, at any time. If you revoke your authorization, the Trust will no longer use or disclose your PHI for the reasons covered by your written authorization; however, the Trust will not reverse any uses or disclosures already made in reliance on your prior authorization.

Contact Information

To receive more information about the Trust's privacy practices or your rights, or if you have any questions about this Notice, please contact the Trust at the following address:

Contact Office or Person: HIPAA Privacy Officer
Trust Name(s): Teachers Health Trust
Telephone: (702) 794–0272
Address: 2950 East Rochelle Avenue
Las Vegas, NV 89121

Copies of this Notice are also available at the Teachers Health Trust Service Center, 2950 East Rochelle Avenue, Las Vegas NV 89121. This Notice is also available by e–mail. Contact the person named above or send an e–mail by clicking here.

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