Secure Fax for Insurance Agencies
Claims, policy documents, medical records, underwriting files — sent securely, logged for audit, covered by a BAA you sign in-app. $25/mo flat.
The fax is not optional. The compliance is not either.
Carriers require fax. Handling health claims makes you a business associate — HIPAA is not optional.
Claims in, supporting documentation requested, appeals out, underwriting files exchanged with carriers. An agency handling health coverage sits between the member and the carrier, and the documents crossing that gap are medical records.
Insurance Agencies: where the obligation comes from.
An agency that creates, receives, maintains or transmits protected health information on behalf of a health plan is a business associate under 45 CFR 160.103 and must execute a BAA — both with the plan and with any vendor handling those records on its behalf. Handling health claims is not incidental exposure; it is the definition.
Most fax providers advertise a low headline price and then gate the Business Associate Agreement behind a more expensive plan. Sign up on the cheap tier, send PHI, and you are out of compliance from the first page. LuzardoFax includes the signed BAA on every paid plan, starting at $25/mo, and never bills you automatically for extra pages.
We publish every provider's real price with a signed BAA, verified against their own legal terms, on our comparison page.
Questions worth asking.
If the agency handles protected health information for a health plan, it is a business associate, and its own vendors that touch that information become subcontractors under HIPAA — which requires a BAA at that level too. The chain does not stop at the agency.
If you transmit protected health information, yes — and that requires a signed Business Associate Agreement with your fax provider. A service that markets itself as "secure" but will not sign a BAA does not make you compliant. Many providers only sign a BAA on their most expensive plan; LuzardoFax includes it on every paid plan at $25/mo.
$25/mo for the Solo plan, including 350 pages, a signed BAA, and a fax number of your choosing. There is no separate HIPAA tier and no automatic overage billing — at 110% of your allowance, sending and receiving pause until you add a page bundle or upgrade, rather than arriving as a surprise invoice. Larger plans: Plus at $45 (800 pages), Team at $75 (1,500), Business at $129 (4,000). By comparison, eFax requires its Business plan at $39.99 for a signed BAA.
Try it before you decide.
14 days free. No credit card. The BAA is signed in-app before you send a single page — and it stays included at every plan, forever.