Yes, but.... ..Guess what? Insurance companies can also look at your paper records too. Built into the contracts they sign with doctors, insurance companies can "audit" a physician to look at their clinical notes. This is to prevent overbilling or incorrectly billing. So your insurance company already has access to all of your medical records. An ehr would make it easier to share those records.
Yes. Insurabce companies have a right for your medical records.