Friend looking for Health Insurance not sure if they should list

[against all enemies]

all prior hospitalizations. Are there any sites that they can go to so that they can ask anonymous questions as to the whether or not they must disclose an embarrassing 3 day stay, two years ago, on their application and what the consequences would be if omitted.

Healthcare is a nightmare, I can't believe the Democrats can't win on this subject alone. Thanks

[triguy46]

1. Be careful. Watch Sicko and you will see that the health insurance cabal...

will find out anything in your past when and if it is in their interest. Falsification of an application is their primary means of avoiding large claims. Assume they are all seeing. I had this discussion this AM with an individual who was attempting to 'hide' his medical records we have in our clinic, from the Army. He was up for promotion and was afraid a medication choice 3 years ago would put that in jeopardy. You can't hide this stuff.

If you are worried about seeking healthcare because of the nature of an illness, your best bet is to pay cash, leave no other trail.

[yellowdogintexas]

2. the impact of prior hospitalizations depends upon several things

example: a hospitalization for tonsils, appendix, injury isn't going to raise eyebrows in underwriting because they are over and done with.

underwriters look for long term chronic conditions that cause repeated hospitalizations or have the potential for expensive care (like chemotherapy, dialysis, etc)

Also in most states they can't look back beyond a certain length of time. So if they have never been in the hospital for a chronic condition or deadly disease, shouldn't even come up.

oh hell, why don't you just pm me?

the key issue here is the nature of the hospital stay. The reason they want to know, is to determine if there is an underlying medical condition that if known, would need to be excluded from coverage for a certain amount of time after your coverage takes effect. Or that they just wouldn't accept a person as a customer.

State laws vary widely. The one thing you don't want to do is lie on the application. If there is a reason to investigate a claim and medical records are ordered and this undisclosed incident is discovered, the whole policy can be rescinded.