When we get a records request from an insurance company, we tell them that if they want the records they have unrestricted access to them. BUT, they must send someone to our office to either view the records, or download them to a USB and take them. Those records reviews are to fulfill their bureaucratic red-tape BS. I will not relinquish staff to collect the information for them. However, as Jon mentioned, charging them for the records seems very reasonable. I have not had an insurance company give us a hard time about sending someone to access the records themselves.
