State RegulationsTX specificDifficulty 3/5
How may an insurer use an AIDS-related test result that was obtained in connection with a Texas insurance application?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under 28 TAC 21.704-21.705, the test result is confidential health information obtained for a specific insurance purpose: it may be used for that purpose, but it may not be disclosed without proper authorization. The practical consequence is that the consent does not travel forever - it does not authorize the insurer to underwrite every later application from the same applicant, and it does not make the result available to other agents in the agency or to the public.
Why the other options are wrong
- A) The rule treats the result as confidential; it is not filed with the department as a public record.
- C) The consent covers the insurance purpose for which it was given, so a later application requires its own consent rather than automatic reuse.
- D) Disclosure to other agents in the agency still requires authorization; the result is confidential information, not agency property.
Memory hook
One consent, one purpose, confidential - never public, never automatic reuse.