Can my parents see my medical insurance claims?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Nov 3, 2011

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Insurance Question from Malibu, CA

Asked on 11/03/2011

Can my parents see my medical insurance claims? I'm a college student under my parent's insurance plan and have been seeing a school provided therapist without my parents knowledge. My parents do not believe in therapy and would not allow me to see a therapist if they found out. However, the school can no longer provide a therapist due to budget cuts and they have referred me to to an off campus site. If my insurance pays for me to see a psychologist, can my parents find out that insurance is paying for this? I have also been prescribed medication by a psychiatrist and was wondering if my parents can see if insurance is paying for it?

Answer given on November 07, 2011

It is possible for your parents maysee the claims.  Some insurance companies send home what it called an EOB statement (explanation of benefit statements).  Every time a claim is paid, (for example, yourvisits to therapy) an EOB form would be sent to your parent’address.  The reason for the EOB is two fold.  It shows the policy holder what portion of the claim was paid and how much was paid by the insurance company and any amount not paid. It also serves as a check and balance system alerting policy holders if someone is using their benefits in a fraudulent manner.

Discuss this concern with the Therapist.  Advise him of the situation and your concerns.  He or she may know of options that could help with this. There also could be free counseling with organizations in your area.  Good Luck and don’t give up!


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