Your Prescription History May Keep You From Getting Health Insurance

Databases with the prescription drug histories of 200 million Americans are now being used by many health insurance companies to evaluate applications for individual health insurance. The data work like a credit report for health. The data originate with pharmacy benefit managers and contain details like the prescribing doctor, dates, drugs, dosages, etc.. The benefit companies then give their client insurance companies access for a fee. Insurance companies can better evaluate the expected risk for a particular applicant so this is a great value for them. It works a lot faster that their alternative which is to request medical records from the applicant's physicians.

Privacy and consumer advocates complain that there are more and more companies holding vast amounts of patients' health information, mostly unknown to the average consumer. The database companies say they provide information to insurers only after having been released by consumers.