What type of information do insurance companies disclose to your employers? Illnesses, prescrptions?

Question

What type of information do insurance companies disclose to your employers? Illnesses, prescrptions? Any info would be appreciated.

Answer 1

none in the U.S.

Answer 2

legally nothing.. its against the law (HIPAA) . no health insurance company would do this, they would face huge reprocussions on both the state and federal level.

Answer 3

Like others have mentioned, it depends on the type of insurance you are talking about.  With Disability Insurance, most of the time private health information (PHI) cannot be released to your employer.  The only information that can be released are the dates involved.

There are only a couple situations where PHI can be released to the employer.  For example, if the employer is the fiduciary to the plan, then most likely they have signed a special agreement allowing the insurer to provide PHI if needed (if this is the case, they would have had you sign a release form authorizing the release of this information when signing up for benefits).  They generally do this because if the employer is the fiduciary, then they can review all of the information and override the insurer's decision if need be.  This is really rare; most employers that even have this agreement do not ask for PHI as it puts them in a sticky situation.  I hope this helps!

Answer 4

Your question should be more specific... But, I think this is what you're looking for... Health insurance companies can disclose most of the above information, as long as it does not identify which employee or family member the PHI pertains to. So, the employers can ask for data that tells them how much, & what type of a prescription their employees are taking. Or, how many people on their plan had claims for heart disease, & how much did it cost... etc... Generic stuff regarding finance. It just can't be individually identifiable. Make since?

Answer 5

Assuming you're talking about health insurance - none.  They can't - it violates the privacy laws.

Answer 6

By law an insurance company can not disclose personal health information on an employee.  

Most insurance companies can disclose the loss ratio (premium dollars taken in vs. claims paid)  I have also seen them breakdown how much was paid for outpatient care / inpatient care / prescriptions.  But this is based on the whole group and not just one individual.

Yes, and insurer can NOT disclose amounts for individuals, they can only disclose claim numbers for the group as a whole.  And the insurance company could never disclose an illness.  (as in they couldn't tell the employer that there was someone treating for cancer, or someone needs a transplant, that it protected information)