Who is the policyholder for health insurance

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Why Do I Need It? Your health insurance company sends some of your confidential health information — like the name of your provider and the services you received and when — to the policy holder, as part of regular health insurance communications. Consumer protection law sometimes requires insurance companies to send the person who owns an insurance plan, called the policy holder, information about how and when an insurance plan is being used.

Many times health insurance companies do this even when it is not required because they think it helps the owner of the plan understand how their plan is being used.

Unfortunately, this can lead to your private health information being shared. Now, California law requires insurance companies to accept Confidential Communications Requests and stop sharing that information. It just takes you sending in the request. Download the Confidential Communication Request. Download the Confidential Communications Request. If information is "confidential," that means that it will be kept private and won't be shared unless you say that it is OK to do so.

Health insurance companies must accept your request. Download a Confidential Communications Request. Note: You can ask for confidential communications for other types of information and health services — but the health insurance company does not have to accept the CCR in those other situations.

The insurance company can send an Explanation of Benefits EOB or other communications, but it has to send it to you :. For this reason, it is important you provide them good and clear information on where to send communications and keep the information up to date.

Yes, a CCR covers all communications from the insurance company to the policyholder - either those related to sensitive services or all communications - depending on which reason you state in your CCR. This means that a CCR prevents your insurance provider from sending bills and communications related to billing the policyholder. A CCR can be made verbally on the phone or in writing. Many health insurance companies will have a form they will ask you to fill out if you want to file a CCR. It might be online or on paper.

A CCR does not have to be in writing; but California law gives a health insurance company the right to ask you to put your CCR in writing. Call your health insurance company to find out whether it accepts CCR requests by phone or whether they want to receive something online or by email, fax, or regular U.

You can use this script to talk to your health insurer. You can find customer service information on your health plan's website or on the back of your health insurance card.

You can contact your health insurer to find out whether it accepts CCR requests by phone or whether they want to receive something online or by email, fax, or regular U. You can do so by calling the toll-free number listed on the back of your health insurance card. You can use this script to make the request. To make sure an EOB will not go home to a partner or parent, you should talk with your health care provider about the timing of your request and their insurance billing process.

April 21, Shannon Ireland. Who else is covered besides the policyholder? Rental insurance Rental insurance may cover your spouse or family living with you, but not everyone that lives in your household is included. Life insurance Life insurance works a little differently than other types of insurance. Insured The insured is the person covered by the insurance policy.

Beneficiary The beneficiary is the recipient of the payout in a life insurance policy. The takeaway The policyholder is the owner of the insurance policy. In most types of insurance, your immediate family who live in your household are also automatically covered. This includes children, your spouse, parents, grandparents and siblings who live with you. You can always add other non-family members to your insurance as additional insured.

You may need to pay more to cover the extra individuals. You may buy a life insurance policy and name someone else as insured. If they die, the person s you name as beneficiaries will receive the death benefit. Tags - insurance.