Getting Health Insurance... Posted: 03-30-07 01:07am
hello, I'm helping someone get health
insurance for the first time. This person
has never been sick or hospitalized nor
have any known medical condition but
recently found a lump in her breast for
the first time. This has not been
evaluated nor treated ever. Will this
person be able to get health insurance at
reasonable premiums? Will this need to be
disclosed prior for applying for insurance
for claim purposes? As I understand it,
pre-existing conditions mean treated or
diagnosed in the past, correct? Any advice
would be greatly appreciated.
|
Sunflower_pie81
Especially EHEALTHy
Joined: 17 Jan 2006 Posts: 5041 Location: to hell with this crap
Re: Getting Health Insurance... Posted: 04-19-07 11:17am
stinga7
wrote:
hello, I'm helping someone
get health insurance for the first time.
This person has never been sick or
hospitalized nor have any known medical
condition but recently found a lump in her
breast for the first time. This has not
been evaluated nor treated ever. Will this
person be able to get health insurance at
reasonable premiums? Will this need to be
disclosed prior for applying for insurance
for claim purposes? As I understand it,
pre-existing conditions mean treated or
diagnosed in the past, correct? Any advice
would be greatly
appreciated.
most of the time tre-exising conditions
need to be treated to be considered
pre-exsiting. but sometimes the knowlege
of the condition can be a down
fall....some products have the stipulation
in the policy, when did illness or
accident occur, if insured states before
the effictve date of coverage the claim
can be dened
however there are other ones that state,
that the illness or accident needs to be
noted and treated prior to the effective
date.
make since? it depends on the product.
|
sillyakchick
Moderator
Joined: 12 Apr 2007 Posts: 2690
Thanks: 4
Thanked:0
Posted: 04-19-07 11:25am
Most insurance policies ask the question
in terms that they can stick you...such as
"have you received treatment, diagnosis or
care or should you have reasonably known
that you shouold receive treatment or care
for a condition....etc". If you say no
and then go to a doctor and he says "so,
how long has this been bothering you?" and
you tell the truth, then the insurance can
cancel your policy for failing to disclose
health information. I am by no means
saying this is correct, it is just one of
the wonderful things they like to do. The
patient could always lie and say, "oh I
just noticed this yesterday", but that is
insurance fraud, technically, and the
patient would have to decide how she feels
about that. Insurance sucks. Good luck.
|
Sunflower_pie81
Especially EHEALTHy
Joined: 17 Jan 2006 Posts: 5041 Location: to hell with this crap
Posted: 04-19-07 12:55pm
It also depends on the type of insurance
you are wanting....health and disability
insurances are different. also different
types of dislability insureances dont' ask
the same questions.
