Amy,
Perhaps you can clarify something I had been told by someone in the insurance biz: That insurance companies watch or share information about how many times a persons medical files were looked at for insurance consideration, much like a credit applicant and their credit report.

Second, can a person request to edit their medical files to clarify or remove verbal comments made during office visits? (as an example) lets say I told the Dr. "this pain is so bad I could kill myself" and the Dr. made a note in the file with comments. This might affect getting life insurance.

thanks again Amy