How Long to Keep Health Insurance Records


How Long to Keep Health Insurance Records

Health insurance records are an essential part of managing your healthcare and financial information. They provide a detailed account of your medical history, past treatments, and insurance claims. However, it can be overwhelming to know how long to keep these records, as well as which ones to retain and which ones can be discarded. In this article, we will discuss the recommended duration for keeping health insurance records and answer some frequently asked questions related to this topic.

How long should I keep my health insurance records?

It is generally recommended to retain health insurance records for a minimum of six years. This duration allows for compliance with legal requirements and covers the statute of limitations for most healthcare-related claims. However, it is advisable to consult local regulations or legal experts to ensure compliance with any specific jurisdiction requirements.

What health insurance records should I keep?

1. Insurance policy documents: These include your policy agreement, terms, and any amendments made throughout the coverage period.

2. Explanation of Benefits (EOB): These documents provide details about the services received, the amount billed, the covered amount, and any out-of-pocket expenses.

3. Medical bills and invoices: Keep records of all medical bills, including those that were paid out of pocket or denied by insurance.

4. Prescription records: Maintain a record of all prescription medications you have taken, including dosage and duration.

5. Medical test results: Keep a copy of any lab test results, X-rays, or other diagnostic reports.

6. Medical history: Maintain a summary of your medical history, including previous illnesses, surgeries, and treatments.

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7. Claims and reimbursement records: Retain copies of any claims submitted to the insurance company, as well as records of reimbursement received.

8. Correspondence with the insurance company: Keep any written communication, such as letters or emails, exchanged with your insurance provider.

9. Consent forms and authorizations: Keep copies of any consent forms or authorizations signed for specific medical procedures or data sharing.

10. Insurance ID card: Keep a copy of your insurance ID card for reference purposes.

11. Medical records related to ongoing or chronic conditions: Retain any medical records related to ongoing or chronic conditions, as they may be needed for future treatment or insurance claims.


1. Can I keep my health insurance records digitally?
Yes, electronic copies of health insurance records are generally accepted. Ensure you have a secure backup system in place to protect your records from loss or unauthorized access.

2. Do I need to keep records for the entire family?
Yes, it is recommended to keep health insurance records for all family members, including dependents.

3. Can I discard old records if I change insurance providers?
No, it is advisable to keep records from previous insurance providers as they may be needed for reference or coordination of benefits.

4. How should I organize my health insurance records?
Organize your records in a systematic manner, such as by year or category, making it easier to retrieve specific information when needed.

5. Should I keep records for expired policies?
Yes, it is necessary to keep records for expired policies as they may be required for future reference or verification.

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6. Are there any records I can discard immediately?
You can discard insurance-related advertisements, brochures, and duplicate documents that do not contain any critical information.

7. Can I access my health insurance records online?
Many insurance providers offer online access to policy documents, EOBs, and claims history. Check with your provider for the availability of such services.

8. Should I keep records of denied claims?
Yes, retaining records of denied claims is crucial as they may need to be resubmitted or appealed in the future.

9. What if I lose my health insurance records?
If you lose your records, contact your insurance provider to request copies of any missing documents. Additionally, try to maintain backups of your records in digital or physical form.

10. When can I discard health insurance records for a deceased family member?
It is advisable to retain health insurance records for a deceased family member for at least six years, similar to personal records.

11. Can I shred health insurance records after six years?
Yes, once the recommended retention period of six years has passed, you can securely dispose of your health insurance records by shredding or using other methods that ensure protection of personal information.

In conclusion, keeping health insurance records for a recommended minimum of six years is crucial for personal and legal reasons. By organizing and retaining these records, you can easily access important information, ensure compliance with legal requirements, and protect yourself in case of future medical treatments or insurance claims.