ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Your Health Insurance Company Has Offshored Your Most Sensitive Personal Information! Why HIPAA Means Nothing...

Updated on May 1, 2012

Why Is Your Sensitive Information In Foreign Countries? Why You Have No Protections Or Privacy!

If you have United Health Care, Anthem Blue Cross, Blue Shield of California or Blue Cross/Blue Shield, your most sensitive personal information is in the Philippines, India and countless other foreign countries. The above companies are not the only ones that have released your 'private' information to foreign companies, but they are among the largest and richest.

Bad enough that foreign companies and workers have your medical history, they also have access to your address, phone number, social security number, date of birth and information about every medical condition for which you have sought treatment. They know virtually everything about you and even though you think that your information is safe, think again. Outsourcing is most dangerous when services provided by a foreign company include the use of sensitive medical or financial information, yet there are no legal restrictions on outsourcing of medical-related services when it comes to your health insurance company. Your insurance carrier knows that foreign nationals are not subject to the laws that govern those in this country, but it is more profitable for them to hire overseas than here at home, so they do. These companies do not even have to tell you that they give ALL of your information to foreign companies. Talk about what you don't know won't hurt you!

HIPAA? HIPAA, the law that protects your privacy in the United States, means nothing overseas, but countless health insurance companies have offshored their customer service departments. Blue Shield of California, for example, has its customer service department in the Philippines, even though no one will tell you that. Call the toll-free number for customer service and you will be connected to someone who says their name is Mike or Steve or Pepper, but notice that they have difficulty even pronouncing those American names. Bepper (Pepper) says she is unable tell you where she is located for the sake of safety, but she can tell you everything about yourself. Forgot that you were treated last month for cancer, TB, an STD or even a common cold? Bepper can give you that information. She can also tell you your date of birth, your address, your phone number and your Social Security number, where you work and anything else, including what you had for dinner last week that made you sick. Bepper has access to all of your medical reports, most of which you haven't even seen and although Bepper may be a lovely person, she is not going to be prosecuted if she uses your personal information for nefarious purposes.

Your hospital and your doctors' offices speak to customer service on a daily basis. They do so in an attempt to get your bills paid in a timely manner. They, along with your health insurance carrier, are complicit in giving your personal information to foreign workers. They have no choice. Think it is easy dealing with offshore health insurance personnel? Think again!



Don't Worry, Be Happy! Your Health Insurance Company Profits From Outsourcing!

For the last three years, health insurers have made record profits and still, every year these insurers increase the cost of your policy. At the same time, they cover less and less of your health care costs. They have increased copays, deductibles and coinsurance. Most of us, as consumers, have concentrated on the rising cost of policies alone. Very few of us have even thought about the consequences of offshoring of your personal medical and financial information. The next time you go to the doctor or are admitted to a hospital, spend a few moments thinking about where your information is headed, who will have access to it and what they can do with that information if they are so inclined.

If this concerns you, start complaining, and do so loudly. Call corporate. Don't waste your time complaining to customer service. Your complaint to customer service will be the only thing about you that gets lost!


Comments

Submit a Comment

  • Jillian Barclay profile imageAUTHOR

    Jillian Barclay 

    6 years ago from California, USA

    Dear Richard,

    I have worked in this field for over 30 years. What I see everyday becomes more and more shocking- I just had a feeling that no one was aware that "Peggy" would be talking to so many people! Trying to get bills paid for people when you are dealing with people who can barely speak English (or are pretending to barely speak English) is a nightmare! They refuse to connect you to a supervisor, they refuse to transfer your call to the US, they frustrate the hell out of me, every single day. When I think of all of the information that they have, it makes me sick!

  • Richard Sirota profile image

    Richard Sirota 

    6 years ago from Allentown, PA.

    If what you write is true, and I see no reason to doubt it, then I guess these foreign nationals are having a field day withwater cooler talk about my varied and sundry health problems and the subsequent treatment options I have chosen and all the Rx meds I currently take. I almost expect to, one day, call my doctor's office and hear a husky male voice intone "Hello, my name Peggy!"

  • Jillian Barclay profile imageAUTHOR

    Jillian Barclay 

    6 years ago from California, USA

    Deni,

    I almost put in an ad that a company in the Philippines is running for United Health Care, but figured Google would do it for me! Yep! UHC insures 70 million Americans (so they say) AND they are hiring in the Philippines right now! They currently need 50 call center employees (customer service).

    Dear H,

    Not surpising, but when you think about it, why do we even have a law in this country that protects our information? Once our info leaves the US, those protections don't go with the info...

    Dear Doc,

    Merry Christmas to you! Hope you are well! Thank you for taking the time to contact your insurance company! Hopefully, it works!

  • cathylynn99 profile image

    cathylynn99 

    6 years ago from northeastern US

    frightening, jillian. my insurance company still has its customer service here. i will write to them to keep it that way.

    merry christmas.

  • profile image

    Howard Schneider 

    6 years ago from Parsippany, New Jersey

    Great information, Jillian. Not surprising though. We have always known that these companies are only about profiting themselves. Cut costs, cut cost, cut costs, and the patient be damned. We need to get rid of them.

  • Deni Edwards profile image

    Deni Edwards 

    6 years ago from california

    Well, isn't this lovely? Outsourcing advertisements.

    Great hub, Jillian, and very true. Not only does Bepper have our private information and medical information, but Bepper and all of her friends have our jobs, too.

    I still remember speaking with Helzat from who knows what country...I thought: Well, these people aren't trying to hide the fact that they are in a different country.

    Turns out her name changed when I asked her to repeat it, but the company I had called was Helzat (Healthnet).

working

This website uses cookies

As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

Show Details
Necessary
HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
LoginThis is necessary to sign in to the HubPages Service.
Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
AkismetThis is used to detect comment spam. (Privacy Policy)
HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
Features
Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
MavenThis supports the Maven widget and search functionality. (Privacy Policy)
Marketing
Google AdSenseThis is an ad network. (Privacy Policy)
Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
Index ExchangeThis is an ad network. (Privacy Policy)
SovrnThis is an ad network. (Privacy Policy)
Facebook AdsThis is an ad network. (Privacy Policy)
Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
AppNexusThis is an ad network. (Privacy Policy)
OpenxThis is an ad network. (Privacy Policy)
Rubicon ProjectThis is an ad network. (Privacy Policy)
TripleLiftThis is an ad network. (Privacy Policy)
Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
Statistics
Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)