The Payment Card Industry Data Security Standard (PCI DSS)—which was developed by the PCI Security Standards Council (PCI SSC) created by Visa, MasterCard, American Express, Discover, and JCB—is an extensive set of technical and operational standards that a company needs to follow to ensure that all companies that process, store, or transmit credit card information maintain a secure environment.
There are many stringent requirements, including but not limited to:
PCI DSS has six major objectives, 12 key requirements, 78 base requirements, and over 400 test procedures. Click here for more information.
When a business is PCI-compliant, it means that that the business reviews and follows the guidelines set forth by the credit card companies to help ensure your credit card information is protected and your personal information is secure.
Pre-Existing Condition Story Hey Everybody, I have a question about pre-existing condition with my short term health insurance plan. In 2014 I was playing soccer and hyper-extended my right knee. I got an MRI which showed I partially tore my ACL and had a small meniscus tear. I was told I did not need surgery and that I could attempt to let it repair itself. At this time I had full health insurance from my full time employer. I ended up letting the knee get better and seemed to be OK. Fast forward to 2017, I was playing soccer again and twisted my right knee and heard a noise and fell to the ground. I went into the doctor again and got an MRI. The report showed I had a complete disruption in the ACL and two tears in my meniscus. At this time I am covered by a short-term health insurance plan since I left my job to do some personal traveling. I was covered by this short term policy at the time of the new injury. The doctor has seen both MRI's and has concluded that the injury in 2017 is a completely new injury and that now I suffer from instability, which I did not prior. The surgery is scheduled and has been pre-authorized with my insurance provider. However I am concerned that they will retroactively come back after the surgery and call it a pre-exisiting condition and deny coverage and leave me with the full bill. Does anyone have any advice or inputs to give me? Since the doctor says the 2017 injury is a new injury, does that mean the 2014 is not considered existing? Has anyone had an experience like this? Can the insurance company even access my old MRI to see my previous injury? Should I call my insurance company to request a pre-determination review and open a can of worms that i maybe should not? Any help would be so awesome!
From what you have described, it should be covered as new injury but the final determination will be by the insurance company's claims department based on the medical records they receive.
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