"As for insurance going up well that's up to your insurance provider, but your doctor won't report that to them."
The following quotes are from www.insurance.com:
"While state and federal privacy laws may require a doctor to keep records private, an insurance company can demand to review all necessary records before reimbursing the physician for services rendered."
"Even if you pay for your health care out of your own pocket, eschewing insurance altogether, your medical records could still end up in the hands of your insurer. That's because most doctors are part of health care networks that require access to all records, not just their own enrollees."
Just so we're clear, any tidbit of information your doctor, their PA, nurse, or medical assistant types into a computer is part of your medical record.