Monmouth County's Ask The Doctor July/August 2019

Credit Card Terms What is the difference between a fixed APR and a variable APR? Answer: The difference between a fixed APR and a variable APR, is that a fixed APR does not fluctuate with changes to an index. A variable-rate APR, or variable APR, changes with the index interest rate. A fixed-rate APR or fixed APR sets an APR that does not fluctuate with changes to an index. This does not mean that the interest rate will never change, but the issuer generally must notify you before the change occurs, and in most cir- cumstances can apply the higher rate only to purchases and other transactions you make after you get the notice. A variable-rate APR or variable APR changes with the index interest rate, such as the prime rate published in the Wall Street Journal. The cardholder agreement will say how a card’s APR can change over time. You should be able to find a copy of the agreement on your card issuer’s website, and you can request a copy from your card issuer if it is not there. If you have any questions, you should contact your card issuer.

WHY IS IT IMPORTANT FOR THE HEALTHCARE INDUSTRY TO HAVE A GOOD CYBER-SECURITY? By: Paul Nebb Owner/Founder of Titan Technologies Correct Cybersecurity helps to prevent patient infor- mation from leaking. If the information gets leaked, the cost of money and time in law proceedings could cause hardship to a business’s credibility and live- lihood. It is vital to have a cybersecurity for health- care data. Cybersecurity is a risk factor in health care data. Data breaches cost the health care industry over 5.5 billion every year. Some examples of Cybersecurity that have happened to smaller and local healthcare organizations are; Malware and Ransomware, Cloud threats, misleading websites, Phishing, Encryption and Employee error. According to HealthIT.gov, individual health care or- ganizations can improve their cyber security by imple- menting practices such as: Establish a security culture • Protect mobile devices Maintain good computer habits • Use a firewall Install & maintain anti-virus software Plan for the unexpected Control access to protected health information Use strong passwords and change them regularly Limit network access • Control physical access Titan helps your practice remain secure while protect- ing your patient’s personal information saving you from financial loss and other forms of harm.

F I N A N C I A L H E A LT H

CYBERSECURITY & HIPAA COMPLIANCE

HIPAA COMPLIANCE ASSESSMENTS We are CNJ’s Healthcare CyberSecurity Experts Professional Team For Immediate Support Email Services, Encryption and Archiving TITAN TECHNOLOGIES, LLC 15 North Main Street Marlboro, NJ 07746 CALL NOW FOR IMMEDIATE SUPPORT: 732-242-7248

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ASK THE DOCTOR

JULY/AUGUST 2019