Learn the truth about the Chapter 58 Massachusetts insurance mandate law

False health reform hurts residents

Help reject Chapter 58

See the Law Index

What the Law Says - DATA GATHERING - 
"Interagency agreements" and "Matching Information"

The law stipulates that many state and Federal agencies will have access to the personal and financial information of all citizens and can be used as needed. The law says that no specific medical data will be included.

All information and communication is done by an newly developed, Internet-based computer system and is updated and cross-matched monthly.

For those who question this, it is written into law.

Beginning January 2008, insurance companies have been required to submit monthly reports on the first day of each month of the previous month's membership, identifying those individuals for whom they provided state-approved "creditable coverage." The Connector Authority maintains a database of all health plan memberships to confirm who in the Commonwealth has health insurance coverage and during what time frames.

Medical providers (doctors, etc.), likewise, must submit monthly reports with similar and other unspecified details or face substantial penalties and possible prosecution. 

There are also penalties for nonpayment or late payment by employers who do not provide information within the state's time frame. 
 - QUOTE FROM THE LAW: "including assessment of interest on the unpaid liability at a rate not to exceed an annual rate of 18% and late fees or penalties at a rate not to exceed 5% per month and will be deposited into the Commonwealth Care Trust Fund" for use to subsidize non-paying individuals.

What this means

Some of the agencies that will collect and share personal information 
via the Internet
are:

Massachusetts-style health insurance 
is NOT what 
the doctor 
ordered!

Health Care is a right for all

-Commonwealth Health Insurance Connector Authority (Connector Board)
-State Division of Unemployment Assistance
-State Division of Health Care Finance and Policy
-State Division of Insurance
-State Department of Revenue 
-MassHealth 
-State Office of Medicaid
-State Dept. of Public Health
-State Division of Unemployment Assistance
-State Dept. of Health and Human Services
-Department of Public Health's Bureau of Vital Statistics
-Department of Veteran's Services
-Department of Industrial Accidents
-Internal Revenue Service
-Social Security Administration
-Bureau of Special Investigations
-Department of Transitional Assistance
-Alien Verification Information System
-Health insurance carriers
-Life insurance companies (also applicable to estate recovery
-Banks (also applicable to estate recovery) 
-Other financial institutions (also applicable to estate recovery) 
-Third party (outside hired) contractors - the law explicitly provides for this. 

Before we go any further, we want to make sure you noticed the last item in the list: Third-party contractors. Carte blanche.

Insurers, healthcare providers and employers must also report all client interaction via the Internet. Hospitals and healthcare providers are required to collect and report racial, ethnic and language data to the state.

Not even considered is the security of the computer-based systems of each of the many entities that will be processing and transferring your personal and financial information via the Internet including the providers (doctors, clinics, hospitals, etc.) who are required to report to the state by this system. We all know just how "secure" the Internet isn't, don't we? 

Did we give our informed consent? Highly unlikely because the general public was not informed about this massive sharing of information and most likely still has no knowledge of this. Did we give our assumed consent? Who does the Connector and legislature think they are to assume that this is OK with us? We have options in life as to how we choose to have our information handled. We can choose to do our banking or bill-paying online - or not. We can choose to make purchases online - or not. But OUR choices and consent are not part of the grand scheme under the heavy thumb of this law.

Aside from the questionable security of the Internet is the human factor. For example, in September 2007 the state sent personal information - including the social security numbers of 450,000 citizens to 23 nationwide commercial marketers. These disks were sent by regular US postal mail! The data-breach victims were not notified until eight weeks after this "computer programming error." The state's advised remedy for the affected victims was to contact the credit rating bureaus and check their banking and credit card statements.

On October 2, 2009, Blue Cross and Blue Shield notified 39,000 Massachusetts physicians and other health care providers that personal data, including Social Security numbers, were stolen when an employee's unauthorized laptop computer mysteriously vanished in Chicago. This theft occurred in August, yet victims were not notified until October. According to the Boston Globe, "The breach involves “tens of thousands’’ of physicians nationwide" who "will be offered free credit monitoring."

Here’s another pertinent example that came to our attention. Per a July 24, 2007 Falls Church, Virginia press release TRICARE beneficiary data processed by Science Applications International Corporation (SAIC) under several military health care contracts was breached through a violation of internal computer security practices. This data may have included personal information such as beneficiary names, addresses, social security numbers, birth dates, and limited health information. Action was taken to ensure that affected TRICARE beneficiaries were kept informed.

We don’t know what TRICARE’s advised remedy was beyond the action it took to keep affected beneficiaries informed. 

The law stipulates that many state and Federal agencies will have access to the personal and financial information of all citizens and can be used as needed. The law says that no specific medical data will be included. However, if you are enrolled in MassHealth (Medicaid) or Commonwealth Care, records about medical services provided through either of these programs will be shared with either MassHealth or the Connector. Keep in mind that the Connector shares your information with third-party contractors. Is this a violation of your HIPAA rights? See MBR signature page.

» Read the next "What the Law Says" topic
 
» See the Law Topic Index 


The Individual Mandate explained  /  The Connector Authority  /  Affordability  /  The Appeals Process 

Religious Exemption  /  Income estimation  /  Tax enforcement and Criminal penalties  /  Data Gathering

Estate Recovery  /  Insurance plan "lock-in"  /  State as health insurance  Primary Care Shortage