State RegulationsFL specificDifficulty 2/5
A Florida applicant's insurance-related HIV test returns a positive result. Under Florida's HIV and AIDS requirements, the insurer must:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under Chapter 627, Florida Statutes, and Florida's HIV-related privacy protections, an insurer that obtains an applicant's HIV test result must treat it as confidential and may use and disclose it only within the boundaries Florida law allows. Wholesale disclosure to employers, neighbors, agents, or competitors would violate the confidentiality rules and expose the insurer to enforcement action by the Department of Financial Services.
Why the other options are wrong
- B) Disclosing an HIV result to an employer or neighbors is a flagrant confidentiality breach with no basis in Florida law.
- C) The selling agent has no right to the applicant's HIV result, and using it in sales would compound the violation.
- D) Sharing the result with other insurers is unauthorized disclosure; confidentiality follows the result wherever it might go.
Memory hook
HIV results stay locked down.