can insurance companies find out about preexisting conditions diagnosed when you were uninsured?

Answer 1

Yes. They can review your medical history. I saw that people here mentioned the Medical Information Bureau (MIB, but not the movie). This is a non-profit organization that acts as an intermediary between insurers and the insured. They do NOT get medical records from your doctor or hospital, and most people don’t actually have a MIB file. The answerers here are right that you shouldn’t lie because that is a form of fraud. A group health plan, such as one you can enroll in through work, cannot deny you coverage based on a pre-existing condition, but they can force you to wait during an exclusionary period before covering your condition. If you can’t get on with a group health plan, check out MostChoice.com. You can research and compare local health insurance plans and speak to multiple local insurance agents. Tell them about your condition and wait until one of the agents returns with the plan that’s perfect for you.

You can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm

Hope this helps,
Barnes@MostChoice

Answer 2

They certainly can! I wouldn't mess with hiding something that is pre-exisiting. While it may cost you coverage with some providers, others may be willing to overlook the condition (depending on the severity) and possibly charge a higher rate for coverage.

I repreresnt a company that offers excellent health care discounts to people in your situation. On average, it can save people up to 30% off a dr's visit and up to 60% off prescriptions. There are NO health restrictions and it can be used to help you pay 100% out of your pocket, or along with any insurance/aid you may be able to receive. The pricing is very affordable also.

If you would like more information you can email me and I would be glad to send it to you, or you can visit this site for more information: https://www.procardinternational.com/index2.htm?refer=DanielleS3412

I do not recommend trying to hide anything from them. When they do find out, it will be immediate termination from the plan which would most likely leave you in quite the lurch! Good luck!

Answer 3

If and when it comes to paying huge settlements, insurance companies are very miserly. And they will find out if there was some previous "condition" which you failed to divulge. Best play it safe and not fool around with what may turn out to be a fraud case.

Answer 4

Yes from mib, medical information bureau, and if you leave out something in your application and then are treated for it they will have grounds to deny coverage

Answer 5

yes