HIPAA rules do NOT apply to which group plan?

• A. PPO's
• B. Disability income
• C. HMO's
• D. Major medical

Answer: (B)

HIPAA protections target group health plans—plans that provide medical care benefits to employees and their dependents. Disability income, on the other hand, is a disability insurance product that pays benefits if you’re unable to work due to a disability. It isn’t medical coverage, so it isn’t a group health plan. Because of that, HIPAA rules don’t apply to disability income. In contrast, plans like PPOs, HMOs, and major medical are all forms of group health coverage and fall under HIPAA’s provisions.