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Asked: Apr 24, 2010

How do the insurance agents obtain our medical information?

How do the insurance agents obtain our medical information? Do the information they can get can be limited? My friend has become my insurance agent, but there are certain information I do not want to share with her...

Categories: In California

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Under Federal HIPAA laws, your insurance agent does not have access to your medical information without your epressed, written consent. Once you have secured insurance through your agent, they would not likely have a need to review your future medical information, such as office visits and prescriptions. However, if you are going to be applying for new health insurance through your friend, you will have to submit an application for insurance. On this application, you will be required to provide detailed medical history information. Applications for insurance are typically reviewed by your insurance agent before they are submitted to the insurance company. One way to avoid this is to ask your friend/agent if they object to your submitting your health insurance application directly to the insurance company. They should be fine with this, and willing to provide you with the address where you need to send the application. - Wednesday, November 18, 2009 @ 2:10 pm

Answered: Apr 29, 2010

 

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