I am sorry to hear about your predicament,
but let me try to discourage you from
lying on your insurance applications. The
reason for not lying/omitting information
is that everything these insurance
companies do gets reported to the Medical
Information Bureau MIB
h
ttp://www.mib.com/. The MIB kind a
works like a big credit reporting agency.
Once your information is entered all the
insurance companies have access to and
check that information before issuing
coverage.
So what? What if I slide by and get
coverage issued? Well the issue here is
that if you ever file a claim that the
insurance would have to pay good money for
they would most likely check all your
charts and see that you lied or omitted
information. This gives them the right to
resend coverage to the day that you
lied/omitted information that would have
caused the underwriter to render a
different opinion and leaving you high and
dry on the operating table.
The best thing is not to omit any ailments
and look for a large broker that has the
experience in dealing with multiple
issues.
To the question of leaving your dream and
going back to the dreaded J O B.
I would consider a few things first.
First--- Take a good honest long
look/evaluation at your free lance work.
How long is it going to take before you
can afford to pay the $X that the risk
pool requires.
Second--- Can you hold out? Now I know
that we are never guaranteed tomorrow, but
consider your health history. In the last
year how many times have you gone to the
hospital? How healthy do you feel? I ask
this because lets say that you feel like
you can go a year with minimal issues and
you also feel like in the next 10 months
you will be able to afford the risk pool
then go for it fight for your business.
Nothing good ever comes from fighting your
dreams. Just keep in mind that you are
sacrificing coverage for your dream and
try not to do any car stunts and do your
best to stay healthy.
On the other hand let’s say you
are a very sickly person and that you are
always in the dr’s office. You need the
Dr to make it. Then I would seriously
start thinking about going back to work
for the health insurance. If you can keep
doing your free lance on the side do that
and when you fell like you are ready take
the jump. This may take a little longer,
but NEVER NEVER give up on your dream!!!
In closing don’t omit anything they
always seem to find out in the most
inopportune time. Like when you really
need them. Do a self evaluation and
don’t give up your dreams.
Eleazar Estorga
