EHR retrieval is the process of obtaining electronic health records from providers through HIPAA-compliant portals and data networks to accelerate underwriting. Instead of full attending physician statements, carriers pull structured data-diagnoses, labs, meds, visit summaries-reducing cycle time and cost. Proper consent, data mapping, and security are critical. EHR retrieval supports accelerated or fluidless programs, improves disclosure verification, and can trigger follow-up when discrepancies appear.

Case managers use EHR retrieval to replace lengthy APS orders for routine histories. The advisor obtains HIPAA authorization; the carrier pulls structured data and flags gaps. If the EHR contradicts the application, underwriters seek clarification. EHR speeds straightforward cases but complex histories may still need full charts. Secure storage policies protect client privacy.