The Problem
Claims data is among the most valuable and most targeted PHI in healthcare
Health insurance claims contain a complete picture of a member's medical history, diagnoses, medications, and providers. The adjudication workflow routes this data through clearinghouses, utilization management vendors, fraud analytics platforms, and reinsurance partners before a claim is resolved.
Each stop in the adjudication chain is a separate breach risk. Clearinghouse breaches have exposed tens of millions of claims in a single incident.
Utilization management and fraud analytics vendors often require full PHI access to perform their function, but they hold data long after the claim is resolved.
State insurance regulators and CMS increasingly require payers to demonstrate granular control over member data sharing.
A breach involving claims data can expose years of medical history and create class action liability at a scale that threatens business continuity.