As far as I know, yes you can do that. I know a lot of people pay out of their pocket when seeing psychiatrists because they don't want a record of them ever going to see them. I am sure that those people pay cash for those meds for that same reason.I think the only way that insurance companies can find out is if they actually pay for it.

Correct!

There is not a "master file" avialable to everyone that tells everything that you have done, health insurance companies can only know what YOU give them access too.

Knowledge is power so here goes nothing.

I think your concern about the meds is a very valid one. Unfortunately I don’t have an answer for you, but I agree with the cash thing.

As far as no “master file” unfortunately now a days you can probably find a file for everything. I am referring to your MIB file. The Medical Information Bureau is a master file that most insurance carriers use when evaluating your applications. Generally everything your insurance company knows the MIB knows. This is a good link on how to protect your personal medical information


http://www.privacyrights.org/fs/fs8-med.ht m#D

The MIB section is section three.

Hope this helps.

Eleazar Estorga