i had back surgery a year ago and am applying for new insurance?

Question

should is state that i had this surgery done on the papers? will they cover anything back related? or should i keep the old insurance i had?

Answer 1

Yes, you absolutely need to state that you had the surgery on the application. If you don't, when your new insurer discovers that you lied (and they will) then your policy will become void. They will retract all payments from any of your doctors/medical providers all the way back to the beginning of your policy, and you will personally be liable to repay your doctors.

If you've had continuous coverage from your old insurer going back over the past year, then you should not be subject to a pre-existing clause. (Pre-existing clauses typically apply only to someone who has had a lapse in their insurance coverage.)

Of course, you have to get approved for a new policy first. If you're applying for a policy where you have to go through medical underwriting, the fact that you had back surgery last year might disqualify you from getting the policy.

Answer 2

If this is insurance without a group policy (i.e, not through an employer) then it will more than likely be deemed a pre-existing condition and 1 of 3 things can happen:

(1) They will raise your premium but still cover anythign related to it;

(2) They will keep your premium the same and not cover anything related to it for 6 months to 1 year; or

(3) They will not cover it ever.

Most insurance through an employer or a large group policy does not have a pre-existing condition clause. If this is individual coverage, they do so see answer above.

You must disclose this period, whether you are getting new insurance through a new provider through your employer or group insurance or whether you are getting individual insurance. You would be technically be committing insurance fraud if you did not.

Good Luck. Unfortunately, insurance is that way. Stinks!

Answer 3

If you're going to have more surgeries or anything related to the back surgery, I'd keep the old insurance. It's probably fraud to lie on an insurance application and say that you didn't have the surgery. And anything related to it with new insurance will be considered pre existing. Better stick with the old insurance. Insurance companies do anything they can to get out of paying for stuff. You'd probably be saving yourself a lot of trouble.

Answer 4

If you are currently insured on an individual/family plan, and are considering switching to another individual plan, it is likely that a waiver, (no coverage,) will be issued regarding the back, if a policy would be issued at all.
So many different factors come into play though. Each state has different laws. You will be best served by simply asking when and if the back, and any other pre-existing conditions, will be covered if you switch.

Answer 5

I would dig into your insurance but from what I understand, if you pick up a new insurance it may not cover "pre-existing conditions." Some insurance companies work with others and will pick up a pre-existing condition and others won't.

Even if you don't claim the surgery, they will still know because of your old insurance claims with the other company.

You need to dig into the fine print of both the insurance you won't to cancel and the one you want to pick up.

Answer 6

Yes, you should state it. It depends on the underwriting department whether they want to cover your back (related) or ot. usually they don't, but some will check again for the next 2 years ahead. And yes, you should keep your old insurance becauset it still cover your back if anything happen related to your back