can life insurance co. ask for prescription drugs I’m taking?
UPDATED: Mar 5, 2018
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Asked March 5, 2018
According to HIPPA (The Health Insurance Portability and Accountability Act, you have a right to privacy concerning your medical records where certain entities are concerned. Although health insurance companies have to follow HIPPA, life insurance companies are one of the entities that do not have to follow the rules of HIPPA. They are able to access your health records, including any prescription drugs that you are taking as long as it relates to coverage purposes. Because of this, they are legally able to ask you what prescription drugs you are taking, and it is important to answer truthfully because they will most likely find out anyway. Although they have a right to be able to access your medical records, including any prescription drugs that you may be taking, they can't just read anything that they want. Whatever information they look at must only be related to them covering you for the purposes of life insurance. This means any diseases or conditions that could kill you.
Answered March 6, 2018 by truss