Here’s the Virginia EOB-privacy checklist — short and practical:

1️⃣ Call the Insurance Company (Critical)

Ask for Confidential Communications / Alternate Address

Say:

“I am a dependent and need all EOBs and claim communications sent only to me, not the policyholder.”

Request:
• Electronic EOBs only
• Your email + mailing address
• Your own login
• Paper mail suppressed if possible

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2️⃣ Create Your Own Insurance Account
• Register online
• Turn on paperless EOB
• Turn off mailed statements if allowed

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3️⃣ Lock Down Providers

Tell each office:

“Do not release information to the policyholder or spouse. No HIPAA authorization.”

Make sure:
• Only your phone/email
• No voicemail details

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4️⃣ The Big Loophole (Most People Miss This) ⚠️

Policyholder-level mail still gets sent.

Even if EOBs go to you, he may still get:
• Monthly claim summaries
• Deductible statements
• “Recent claims” mailers
• Large claim alerts

Ask insurance:

“Block policyholder claim notifications that include dependent claims.”

OR:

“Suppress policyholder EOB copies for dependent services.”

Not all reps mention this unless asked.

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5️⃣ Secondary Loophole ⚠️

Pharmacy benefits

Prescription claims can appear separately.

Call the pharmacy benefit manager and request:
• Confidential communications
• Your own account
• Paperless only

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6️⃣ Highest Privacy (If Needed) 🔒

For sensitive visits:
• Pay cash
• Don’t use insurance

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Bottom Line

Best protection combo:
1. Confidential communications request
2. Paperless EOB
3. Suppress policyholder claim mail
4. Pharmacy privacy request

That combination blocks ~90–95% of what spouses usually see.

1. Contact your pcp, ask that ex be removed as your next of kin (they have automatic access to your info). Explain the situation and pcp can make a note in file.
2. Contact the health insurance and request that your records be made private, explain situation so it is noted.