When you switch prescription insurance in the US, does the new insurance company know your history with the old company?
When you switch prescription insurance in the United States, the new insurance company typically does not have direct access to your detailed prescription history with the previous insurance company. However, there are certain mechanisms in place that allow for the transfer of relevant information between insurance companies and pharmacies.
Pharmacies often maintain prescription records that include information such as the medication, dosage, and dates of prescription fills. When you switch insurance companies, your new insurance provider may request your prescription history from your previous insurer or pharmacy to ensure continuity of care. This helps them understand your medication needs and potentially avoid any interruptions or duplications in your prescription coverage.
Moreover, the Prescription Drug Monitoring Program (PDMP) is a state-run electronic database that tracks controlled substance prescriptions. This program allows healthcare providers, pharmacies, and insurance companies to access prescription history information for patients. However, it primarily focuses on controlled substances and varies by state, so not all prescription drugs may be included in the PDMP.
It's worth noting that your medical history and overall health records are generally not shared between insurance companies unless you authorize the release of that information. The privacy and confidentiality of personal health information are protected by laws such as the Health Insurance Portability and Accountability Act (HIPAA) in the United States.
If you have concerns or questions about how your prescription history will be handled when switching insurance companies, it's recommended to reach out to both your current and new insurance providers for specific details regarding the transfer of information and the continuity of your prescription coverage.
