Financial Information
How Do Health Insurance Providers Verify Medical History?
Question : How Do Health Insurance Providers Verify Medical History?
I am moving to another state and must get new insurance.
I have visited a doctor in the last year for some prostate problems but paid cash for the visits with no filing on my insurance.
I do not want to inform the new company as this will probably be called preexisting.
Since I paid cash for the visits, will the new insurance company be able to find this information and if so, how do they do it.?
Thank You
health insurance providers
Best answer:
Answer by bud68
M.I.B. They will also ask you to disclose any preexisting conditions. If you don’t and they later find out about it, they could deny all coverage or cancel.
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#2 written by stephenweinstein 1 year ago
If you do not inform the company, they can (1) issue the policy, (2) keep taking premiums from you for as long as you remain healthy enough for them not to have to pay for medical care for you, (3) cancel the policy if you ever require enough medical care that you actually need the policy. This applies even if the medical care that you need is unrelated. They will not merely deny coverage for the preexisting condition. Even you omit anything on the application, you will lose all coverage, after you have paid for it.
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#3 written by eskie lover 1 year ago
http://www.mib.com/html/request_your_record.html
They request information from the Medical Insurance Bureau Group. Note that you can find out what is on that report yourself, correct any information and discover what is being used to make decisions about risk. You are entitled to one free report per year.
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Can they find out using the MIB? No. That is only utilized by insurance companies for insurance companies. And since you never filed a claim, then there was nothing to report to the MIB.
However, if something happens, they will find out. Your best bet would be to disclose the problems and take the pre-exisiting hit. The exclusion cannot last more than 18 months.