What level of detail does my insurance broker see in my medical records?
I am applying for insurance and my broker is a related party. I went to get tested for stds and I DO NOT want him to see that. What level of detail does he see when I provide him with Doctor contact information? What type of information does a Doctor provide?
Tags: "does the insurance agent see medical history", 6877#post6877, am i entitled to the medical records that my insurance company has, am i required to release medical information to a life insurance company, Broker, can a life insurance company see my medical records under 18?, can car insurance companies access medical records, can i sue my life insurance for releasing my medical records, can insurance agents see medical records, can insurance broker access medical records?, can insurance companies access doctors notes, can life ins agent see my med records, can life insurance agencies check my health insurance records, can life insurance brokers have access to your medical records, can life insurance companies access medical records?, can life insurance companies ask for medical records?, can life insurance companies see what i buy with my credit card, can life insurance company access medical records, can life insurance company access my medical records, can life insurance see my medical record?, can life insurances get my medical records, can life insurers get my medical records, can may life insurance access medical records, can my life insurance company get my medical records, can my life insurance get my medical records, can your broker see your medical records, car insurance acccess my medical files, copy of medical records to broker, detail, do health insurance agents have access to my medical records, do healthcare insurance companies have access to my medical record?, do i haev to release medical records to life insurance, do i have access to my dr records, do i have to release medical records for life insurance, do i have to release medical records to life insurance, do insurance companies get access to your medical records?, do insurance companies have access to hiv records?, do insurance companies have access to medical records, do insurance companies have access to your medical records, do life insurance companies ask for health insurance information, do life insurance companies ask for medical records, do life insurance companies get my medical records, do life insurance companies get your medical records, do life insurance companies have access only to medical records?, do life insurance companies have access to medical files?, do life insurance companies have access to medical records, do life insurance companies have right to medical records, do life insurance companies see complete medical records, do not want broker to see medical info, does a life insurance company see my medical records?, does insurance broker see your medical records, does insurance have medical record, does life insurance agent have access to my medical files, does life insurance have access to records, does medical insurance agent have access to medical records, does my insurance agent have access to my medical records?, does my insurance have access to my transcript, does my life insurance agent see personal medical information, does my life insurance broker have access to my medical records, does my life insurance person see my medical records, does your life insurance agent see your medical records, how can a car insurance company access your medical records, how can i get a copy of my medical records that insurance companies and doctor see, how do life insurance companies find medical records, how does an underwriter have access to my medical records, how to hide medical records life insurance, how to make life insurance companies find medical records, http://insurance-loans-mortgages.com/2136/what-level-of-detail-does-my-insurance-broker-see-in-my-medical-records/, Insurance, insurance agent have access to my medical record, insurance broker, insurance companies access to medical records, insurance company access to medical records, insurance company access to my medical record, level, life insurance access to medical records, life insurance agent access medical record, life insurance agent access to medical record, life insurance agent violating hipaa, life insurance doctor's details, life insurance medical records release form, life insurance records doctor, life insurance wants a copy of my records, life insurance why do they need access to all of my private records, life insurers access to medical records, Medical, medical records accessed for life insurance, medical records release and life insurance, medical records when applying for life insurance, Records, should i release medical records to life insurance, term life will insurance company ask for past medical record from doctor, travel insurance wants my medical records for release, what access do insurance company have to medical records, what access to records does a health insurance company have, what do car insurance co use for access to medical records?com, what do life insurance companies see in terms of medical records, what does my life insurance agent see medical records, what is medical records brokering, what is the medical record for life insurance called, what kinds of records can insurers access?, what medical information does an insurance company have access to, what medical records be released for life insurance, what medical records to life insurance companies have access to, when applying for life insurance will my agent see my medical records, where can i access my life insurance records, where to insurers get medical records, who checks my record, my borker or the insurance company?, who has access to my insurance records, why do insurance companies have acces to my medical, why do life insurance companies need my medical records, why do life insurance companies review doctor records?, why would my insurance company want my medical records, will life insurance company check my medical record for cholesterol, will my life insurance agent know my medical records
I recently applied and received Term Life Insurance. The Broker called and got info from my primary and secondary doctors. The Broker was able to either read the doctor’s notes, or he was reading what was typed up from whoever received the doctor’s notes. I do believe that the Broker was looking at a faxed copy of the doctor’s notes because he was asking me for details and what the doctor meant by some of the statements written.
When the tech came to take my stats, blood and urine samples, the Broker saw the “final” summary of results. The tests performed probably differ from Lab to Lab – or even from Insurance company to another, but this is what my summary read:
Appearance of the Serum (don’t know what that means)
Chemistries (glucose, nitrogen, uric acid, protein)
Cardiac Risk (cholesterol, triglycerides, LDL/HDL)
Urinanalysis (gravity, creatinine, glucose, protein, red & white blood count, hyaline casts, granular casts, nicotine metabolites). Nothing about std’s.
You may ask your Insurance Broker the phone number to the Lab that they are going to use and ask to speak to a technician and find out what DOES show up on the results. As far as when it comes to the doctor’s communications….you have to make that call.
Sorry I can’t be much further help to you!
092507 6:35
The broker won’t see the medical records directly – what they will see, are underwriting notes if your policy is “uprated” or declined – the reason for the uprating or declination.
Goodness!
I see HIPAA violations all over the place in some people’s responses!!!
If you ever want to read up on what your medical privacy rights are, here is the national website:
http://www.hhs.gov/ocr/hipaa/
You are suppose to sign a release form for any type of medical information to be released to anyone from anyone. There are specific reasons why a doctor or insurance company has to release medical information to law enforcement.
However, insurance companies should NOT be supplying specific medical reasons for rate increases to brokers. They can only say general terms like, high claims… but cannot state”jane doe has HIV” That is so in violation of the Federal law!
NONE. Those reviews are done by the people underwriting the policy, and NOT by the salesperson.
All they are going to check for, is to see if you have any CURRENT conditions that have been diagnosed within the last 12 months and they will restrict you as a pre-existing condition.
They are not entitled to your full medical record.
PS: A perspective health insurance company IS ENTITLED to review your medical record and is NOT a violation of HIPAA. I guarantee you signed something electronically or in person, giving them permission.