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Question about health insurance pre-existing conditions

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Rex_Goodheart Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-01-09 08:01 PM
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Question about health insurance pre-existing conditions
I had two stents implanted in my coronary arteries 5 years and 4 months ago. Am I obligated by law to list that on health insurance applications? Even if they ask?


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NoSheep Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-01-09 08:03 PM
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1. Did you pay for your treatment out of pocket?
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Mojorabbit Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-01-09 08:07 PM
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2. I believe you are obligated to do so
or they can come back and deny you any coverage on claims down the road. My husband had a heart attack nine years ago and after his carrier left the state and canceled him he has been unable to get insurance from anyone. Best of luck.
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OhioChick Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-01-09 08:07 PM
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3. I would.
If any complications occur (I hope not) down the road and they find that you neglected to tell them....they may not pay a dime.

As for "law"...who knows. Seems the health care industry is setting there own laws for quite some time now.
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SharonAnn Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Apr-01-09 08:17 PM
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4. Yes, if you don't disclose what they ask about, you're committing fraud.
And they will find out and deny claims for anything and everything, whether it's related to the stents or not.
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