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A summary of HIPAA insurance coverages, exclusions, and policy information is provided below. For a detailed policy review and a summary of program requirements, please contact the Risk Management & Tort Defense Division at (406)444-2421.

Summary

  1. Insurer: NAS Insurance Services, Encino, California.

  2. Broker: Willis of Seattle.

  3. Term of Coverage: 7/1 to 6/30 each fiscal year.

  4. Cause of Loss Covered: Reimbursement for governmental fines associated with violations of HIPAA.

  5. Liability Coverage: Reimbursement for defense costs associated with violations of HIPAA.

  6. Panel Attorneys: 100% reimbursement for fines and defense costs if panel attorneys as selected by NAS insurance services are utilized. Otherwise, applicable costs are reimbursed only to 75%.

  7. Perils Excluded: The policy has the following primary exclusions among others within the policy itself.

    1. Insurance disputes.
    2. Expenses or fines initiated by insured.
    3. Defense costs associated with criminal prosecution.
    4. Acts prior to the inception date of the policy which were known and concealed.
    5. Arising from other than an insured event.
    6. Exemplary, punitive, or related damages.
    7. Professional liability.
    8. Medical malpractice.

  8. Limits of Liability: $500,000 per occurrence.

  9. Deductibles: $5,000 any one loss except no deductible for legal liability.