Does the owner of a health insurance policy get a report of visits?

Question

If someone visits a doctor under his medical insurance does the owner of the insurance policy get records of it?

Example: if my brother manages/pays my insurance policy can he find out which doctors I go to and when/why?

Answer 1

He'll have dates of services rendered, and a general description (like, Office Visit, XRay), but NOT anything more specific than that - no diagnosis or prescription info, for example.

He'll see the above info on the explanation of benefits sheet the insurance company mails out.

Answer 2

If you have an HMO type policy, no. That would be a violation of your medical privacy. With an HMO, you are a member of the group, not the owner of a policy.

Some employers have a self-funded insurance program - I used to work for one. The company sets aside money to pay the insurance bills claimed by employees. In this case, they do see who goes to what doctor for what reason. There were only a few of us allowed to see the information, and we were under strict policy not to divulge anything to anyone under penalty of immediate termination.

Answer 3

Unless that person is finanically responsible for the bills (and the premiums don't count!) meaning they're the main policy holder on the plan (husband/wife, parent/child, some plans allow domestic partners) they legally can NOT access anything related to what doctors you see. And, even if they are the guarantor (main policy holder) of the plan, most EOBs (explanation of benefits) don't show diagnoses - only what procedures were done.

Answer 4

Nope. All we see is the bill that shows you (the subscriber) and your eligible dependents under the policy.