AD Banker Comprehensive Practice Exam

If a company wishes to share information about a customer's health with a third party, what must the customer do?

1. The customer must opt-out of allowing disclosure immediately

2. The company must pay a fee to the customer before the information may be shared

3. The customer must pay a fee for this privilege

4. The customer must actively opt-in to allowing the disclosure

The correct answer is: The customer must actively opt-in to allowing the disclosure

The requirement for a customer to actively opt-in to allowing the disclosure of their health information to a third party is rooted in privacy laws designed to protect personal health information. This principle aligns with regulations such as the Health Insurance Portability and Accountability Act (HIPAA), which mandates that individuals must give explicit consent before their health information can be shared outside the healthcare provider or system. Opting in indicates that the customer acknowledges and agrees to the specific sharing of their health data, providing the company with the necessary permission to proceed. This ensures that customers have control over who accesses their sensitive information, thus reinforcing their privacy rights. In contrast, the other options involve concepts that do not accurately reflect the legal or ethical requirements surrounding the sharing of health information. The notion of opting out or paying fees does not align with the standard practices or laws regarding consent for sharing health data. Therefore, the requirement for an active opt-in reinforces the customer's right to privacy and the importance of informed consent in the handling of their personal health information.