In the US there are many hoops and swings to jump through in order to get Health Care Insurance which is why there is more freedom to choose health professionals.
If a patient doesn't want all the medical records to go to an Insurance Claim then it is very unlikely that the Claim will go through. I have seen a few thrown out at the early stages because the accident victim doesn't want to share information. Insurance Companies often hinge on the slightest health issue in order to not meet Claims
which is why they insist on seeing all info.. It doesn't take a Court Order every time - the Insurance Company simply writes to the Consultant who is preparing the Medical Reports and states that 'this Claim will not continue without full sight of medical records'. Gosh, that takes me back to when I typed Medical Reports every day ......
usually whip lash claims from RTAs however, I digress .........