you might be correct. I'm honestly not sure how that works b/c I get my health insurance through my job. Since most companies give health insurance are the companies completely separate and private and not accessible to the employer?? I didn't think about them being separate entities. For some reason, I just assumed that the employer who was giving the insurance to the employee would have access to the records but now that I think about it, I bet they can't give out private health information to the employer without the employees consent.