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Do I have to (legally) reveal if I have a pre existing health condition when seeking new health insurance? |
Do I have to (legally) reveal if I have a pre existing health condition when seeking new health insurance? If your condition was never defined by a doctor, don't diagnose yourself! However, if you have a condition, technically you have to reveal it to the insurance company, the fine print will explain this...or move to the state of Maryland or Washington where there is no medical underwriting and they do not discriminate based on "pre-existing condtions". If you are not able to "pick up" and move check with your state laws in terms of health insurance. A book that can help you with this process of picking out a good and cost effective health insurance is "Healthcare for Less" by Michelle Katz. The book will help guide you through the process and point out programs that are cost effective and will cover you that you did not know existed without getting gouged because of a "pre-existing" condition. Hope this helps! if you dont know you have a problem or something of consequence when you take out the policy all is well however if it is shown you knew about it your policy will be made void,,realistically insurance companies do what they can to get out of paying and this is just one of the many things they use,,better to disclose as you will get any treatment you need instead of finding out too late that you will not get help with hospital bills which as we all know can be costly,,you will not receive any monies back either so really it is not worth it.legally,,it would depend on the small print as their contract can hold clauses for this and you may be held liable for fraud if they do pay and it is later found to be an invalid claim. Having to reveal details is part of the terms and conditions you accept when taking out the insurance. If you don't reveal something you could be in breach of those terms and conditions and therefore the insurer's won't pay up in the event of a claim. The law really has nothing to do with this issue. yes it is better to tell the truth, if you do not and they find out you will lose the insurance and the $$ you invested truth will set you free....... It鈥檚 always a good idea to tell your insurer the truth, I think. If they find out that you did not answer medical history questions honestly, an insurer can cancel your policy, charge you for previous health care services, and even take legal action against you. While you might be able to get away with it, it鈥檚 safer to do the right thing and tell the truth. As for the legality of answering medical history questions falsely, I鈥檓 not really sure, although it is called health insurance fraud and is an actionable offense. The bottom line is that if they ask you to list pre-existing conditions and you don鈥檛, the company can come back 鈥?even years later 鈥?and cancel your policy and retroactively bill you for services rendered. Hope this helps, Barnes@MostChoice http://www.mostchoice.com/health-insuran... |
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