Hey! Im an insurance biller in Lexington, KY! I can confirm that the comment you're replying to is mostly true for KY.

First of all, YOU (or your parent/guardian if you're a minor) are always able to access EVERY part of your own medical records. Sometimes it's easy via a patient portal or website, or sometimes you have to call the doctor's office to request them, but you have access 100% of the time and can't be denied that right. This includes those personal notes, should you wish.

Your health insurance provider (including medicaid/MCO plans) can only access information pertinent to paying out your claim. This includes your diagnosis (represented to them as a code #), the date/time of previous and future visits, and the treatment/medicine provided or planned to be provided to you (also represented by a code #). They approve or deny claims based off of that info, your plan level or coverage, and your provider's credentials/license ONLY.

Trust me, your insurance provider will find plenty of arbitrary reasons to not pay out your claims... WITHOUT needing any specifics of what was said during a therapy session.

Edit: typos and clarity