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What if I don't disclose all my medical history when applying for life insurance?
Wiki User
∙ 12y ago
The life insurance company can refuse to pay on your death, as you fraudulently signed the contract.
Wiki User
∙ 12y ago
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How does a health insurance company verify information pertaining to past medical history Can they find out everything even if you dont disclose it if so how?
When you see a doctor for any medical condition, it is recorded at the Medical Information Bureau or "MIB." Insurance companies use the MIB to obtain medical history on pre-existing conditions.
What is one outcome of the AC-A's Patient Bill of Rights?
Everyone can get health insurance, no matter their medical history
What questions are asked when applying for Medical Insurance?
Unsurprisingly, the medical questionnaires that accompany an insurance application ask about a clients medical history. Alongside age, gender and physical fitness demographic information you will be asked to list any and all known illnesses, aversion to medications or hereditary illnesses that may run in your family. Contact your local medicare provider for more information.
If you break your nose before you get health insurance where can you get insurance to help cover the costs?
Any medical condition that happens prior to you applying for the medical insurance is going to be considered a pre-existing condition. If you're applying for individual insurance, most likely the condition will not be covered but possibly medication for the condition would be covered. If you're applying for group insurance, you can check with the benefits administrator at your job to see how pre-existing conditions are covered in the policy, reason being because individual and group policies differ in coverage.
Role of medical biller?
A medical billing agency or person is responsible for applying the proper codes to medical procedures. They might also be responsible for making sure the medical bills reach the patient's insurance company.
Can health insurance companies share medical history?
The privacy of your medical information is governed by the laws of your state as well as federal law (HIPAA). In some circumstances, it may be possible, for the new insurance company to obtain information about your medical history from your old insurance company. Generally, however, health insurance companies obtain information about a new applicant's medical history by requesting medical records from your doctors or hospitals. To learn more about the rules governing your medical privacy, contact your state's Department of Insurance or the U.S. Department of Health and Human Services, which provides an FAQ on privacy.
Where can one find life insurance that does not need a medical?
Life insurance that does not require a medical examination can be purchased through many reputable insurance companies. These policies are known as Simplified Issue Policies, and do require the applicant to answer some medical history questions.
What insurance companies offer no medical exam life insurance?
Check with equote.com for no medical exam life insurance. MatrixDirect.com may also be able to help you with that type insurance.
Importance of Medical Insurance Forms?
When you first start applying for a new medical insurance policy, you will have to fill out various insurance forms that will be submitted to the insurance company. When filling out these forms, it is very important that you fill the forms out fully and accurately. You will need to pay close attention to the pre-existing conditions, health hazards, and family history section. Based on what you write in these sections, the insurance company will determine your insurance premium costs and whether some conditions will not be covered. If it is determined that these forms were filled out inaccurately, you could lose coverage when you need to make a claim.
Where can I find information on medical insurance policies?
I would suggest talking with your primary doctors an asking which insurance carriers they accept and if they feel with your medical history you should choose one over another.
Can people with crohns disease get life insurance?
Yes, but the actual rating will depend upon the individual's medical history and current insurance physical (usually done by a paramed.) By rating, I mean the class of risk an insurance company assigns to an individual insurance applicant based upon, among other things, his/her past medical history and current paramedical exam findings.
What are health insurance rates right now?
Health insurance quotes vary from person to person, company to company. Each insurance company will take into account any pre-existing medical conditions as well as any unforeseen medical conditions based on your family's past medical history.
