I thought this was interesting, and I wanted to get a post and conversation going, because I am curious if we have any insurance agents in
PR.and also how other states operate in regards to this. This hapenned to me about 16-18 months ago with an insurance company as it relates to my prescriptoins meds Laws and regulations may have changed, and my memory of the story is not too bad.
I while ago I applied for a Life Insurance Policy...it was the kind where you have to have a doctor physical and blood test with the insurance companies doctor. Part of the application asked me to list ALL the prescription drugs I was prescribed and had taken over the past 24 month period. Of course, I had forgotten about a type of sleeping pill that a friend, who is a cardiologist wrote for me, as I was leaving for Europe for work, and he recommend something other than Ambien for airplane sleeping, and I wanted to try it. I think it was Lunesta or something else lousy that did not work. I totally forgot about it, and it was not in my medical or insurance chart, and I did not list it on the insrance application. When the insurance agent did the policy quote and final proposal, he told me that I had left off this prescription from my list of meds. I told him that he was wrong....and out he came with a list of my meds from his file on me. He was totally correct...and I left this Lunesta crap off the insurance application. The pills sucked, and I threw them away and never really took the pills. . I asked my agent how he obtained that list of my meds, and he told me the application, I signed, allows them to investigate me. I told him I was aware of that, but wanted to know how he received such a consise list of my meds...ones that are not in my medical chart or insurance company records. I asked about my privacy and HIPPA, etc. The answer to the question, "how did they get such an accurate list of my meds," is apparently, insurance companies have access to the Prescription Drug Monitoring Program....HOWEVER INSURANCE COMPANIES HAVE ACCESS TO AN ENHANCED AND MORE COMPREHENSIVE VERSION. I believe that most states Prescription Drug Monitoring Programs only list scheduled medications. Well, Life Insurance companies have access to ALL your medications including cholestoral, high blood pressure...everything. I know that most states PDMP only state controlled meds. Some states might show all. But insurance companies get access to all of the meds. you take. It is like a credit bureau for prescription drugs...they can get it through your date of birth, Social Security Number, addresses, insurance company info, and if you don't have all of these, they can pull it through a combination of these things to make sure they have the right person. I remember my heated post on 12/31 with @
alumni talking about what was going on in Florida, and I specifically said that our freedoms and anonymity is being taken away in small, baby steps with little things that the majority of people won't realize. This is another one of those things. How many people know that your prescription meds. list can be accessed when you apply for a Life Insurance Policy. I had to have this policy for my business, and most people would never buy a Major Life Insurance Policy, where the insurance company makes you do a physical. I was shocked by this. Are there any insurance people here In
PR? Does anyone else know about this? Then if you question this....the Obama White House will tell you that they are keeping insurance rates down, and it is for the greater good.