2007-03-01 08:47:17 · 7 answers · asked by defensewinschampionships 4 in Health ➔ Other - Health
For the person who said you could be charged with obtaining health insurance fraudulently--what about people who are BRCA+ (breast cancer gene positive--which carries an 80% chance of getting breast or ovarian cancer)--or slightly differently--HIV+ but tested at independent facility. There are no laws to my knowledge compelling you to list these things.
2007-03-02 08:00:13 · update #1
If they find out about it, which they will if they properly audit their files, you could be charged with Fraudulently obtaining health insurance based on false pretences. It really depends on the company though.
2007-03-01 08:51:20 · answer #1 · answered by answerman 4 · 2⤊ 0⤋
The policy varies from company to company. Some will cover, some will not. And it may depend on whether or not the preexisting condition was deliberately concealed or just as yet undiagnosed. If you are considering a specific health insurance carrier, you must ask THEM.
2007-03-01 16:54:00 · answer #2 · answered by TweetyBird 7 · 0⤊ 0⤋
I just got done doing this. Is this pre-existing condtion one that you are treated for regularly? If so, you have to tell them. My insurance company won't pay anything for that condition for a year. Then they start paying normal what they decide for my plan. My premium is also a lot higher and my perscriptions are not covered until that year is up. Talk to them. Since you have a pre-existing condition you might have to shop around a lot. Good luck. :-)
2007-03-01 16:57:37 · answer #3 · answered by puppyraiser8 4 · 0⤊ 0⤋
If you were dishonest on the application, they can pull your coverage at any time. Usually what they do is if you have a big claim-say you need surgery or you get really sick-they dig up anything they can find on you and then drop you to get out of paying your bill. They actually do this all of the time to people who made simple mistakes, and sometimes they twist words. Basically anything to get out of paying a claim.
2007-03-01 16:53:27 · answer #4 · answered by mystery_me 4 · 0⤊ 0⤋
Your new health insurance checks with the old health coverage and if they see a pre-existing condition you did not list, they may ask you. Don't worry, you did nothing wrong. All it was is an error of unintentional ommission.
2007-03-01 16:51:41 · answer #5 · answered by Terry Z 4 · 1⤊ 1⤋
If you have been treated for it before by a doctor then they can refuse to pay for any thing to do with it or they can make you wait x amount of days before you are covered.
2007-03-01 16:52:13 · answer #6 · answered by justme 6 · 1⤊ 0⤋
Then you would be wise not to bring it up.
2007-03-01 16:50:11 · answer #7 · answered by Anonymous · 0⤊ 0⤋