How Long Do Insurance Companies Keep Medical Records
Explanations of benefits eob s are sent by the insurance companies to the patient.
How long do insurance companies keep medical records. Let s put that curiosity to rest. Once the information is transported to a c l u e. Insurance companies often allow you to make a claim retroactively within a certain time period so retain the policy for another two to seven years in case you must do this. It s illegal for your medical insurance company to hang on to your medical records unless the records are related to an ongoing reimbursement issue.
Keep reading to learn more about this key component of effective modern healthcare. Doctors offices and hospitals on the other hand generally keep medical records for five to 10 years after a patient s last treatment discharge or death. It is generally acceptable to dispose of your health insurance records if your medical treatment was successfully completed quite some time ago and the bill has been paid in its entirety. Having automobile insurance can help in many cases but keep in mind that if a claim is made the accident might stay on your record and affect your auto insurance rates for a long period of time.
10 common questions patients have about their medical records 1. The length of time that doctor s offices need to keep records varies by state. There are some cases when car accident claims stay on your record and the length of time for this is generally between six and ten years. How long are medical.
How long are medical records kept and who sees them. 5 years is a common requirement. The simplest way for a company to manage all the records it acquires is to institute a records retention program that defines how long documents are to be kept. We compiled a list of common questions patients have about their medical records.
Record some of the information is removed from the company s system. Insurance paperwork is particularly problematic many businesses are unsure of what they should keep and what they can safely send to the shredder. Insurance companies don t have the storage capabilities to keep 100 percent of the claims information in their own files forever. Medical claims medical claims paperwork as well as medical bills should be retained for one to three years in case disputes arise with the insurance company.
A deep dive into google will yield hundreds of responses to the query how long do you have to keep medical records yet there is no definitive answer. That s where medical record retention guidelines come into focus. In general health insurance companies do not have the right to inspect your medical records other than for purposes of determining eligibility for health care coverage.
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