Do insurance companies know if you own be to see a doctor already/?
If you wanted to grasp health insurance, but own already been to see a doctor almost a problem, would the insuarnce company be able to find out? Cos they read aloud if it is a "pre-condition" they wont insure. Yet, if I didnt go to the doc, and get insuarnce, and THEN went to the doc it would be covered! Go numeral!
Will they know??
Answers:
First, I want to correct statements made by three previous answerers: the Medical Information Bureau (MIB) will ONLY have information give or take a few you IF this information is reported to it by a member insurer (not adjectives insurers are members). The information is received by the MIB ONLY during the underwriting process. In other words, doctors DO NOT report to the MIB; and strength insurers DO NOT report claims received to the MIB, either.
A pre-existing condition will be defined contained by the policy. Not all policies require actual treatment within order for a condition to be considered pre-existing. The majority of policies I've reviewed (literally hundreds) state that symptoms which would hold prompted a "reasonable" person to wish care indicate a pre-existing condition. So the nothingness of a diagnosis or treatment doesn't restrict an insurer from arguing that a condition pre-exists the coverage.
So will the insurer find out that you've had treatment? There's no track for any of us to conclusively answer this question. Maybe they will and I don`t know they won't. But if you lie on the application and the insurer finds out just about it within 2 years from the significant date, the insurer can void the contract (this is certain as "rescission") if it would have taken some other underwrite action have it know the correct information. If it's paid ANY claims at adjectives, related to your pre-existing condition or not, it will retract the money and you'll be stuck with the bill. So it's really best to be truthful on your application.
If you apply and are decline, call your state's insurance commissioner's organization and ask whether your state has a "big risk pool" for uninsurable individuals. If there isn't a giant risk pool, ask for advice base on your circumstances.
One final comment: another answerer suggested you obtain treatment beneath another name. This is insurance fraud and I don't suggest you follow his proposal.
Yes they know. It doesn't concern if you paid as long as your nickname is on the chart and the doctor wrote in it they can read it. Be extremely sensible when seeking mental health services because the insurance companies will positively hold it against you. Apparently people who enjoy short lasting conditions resembling depression (temporary) are punished for years to come for getting the help that they necessitate. When you apply for insurance you are giving them the ability to read doesn`t matter what is in any chart that you hold at any Doctor's office. Read the fine print and realize that they are out to produce a buck not keep you athletic.
This is why it's best to avoid preventative care beneath your real dub when you are not insured. If you are paying out of pocket then why not spawn up an identity like Clark Kent or Joe Smith and draw from the care you have need of without repercussions.
Yup.
The MIB -Medical Insurance Bureau keeps tab on all that stuff. Read adjectives about it at:
http://www.mib.com/index.html
By the approach, YOU, as the consumer, can get a copy of your register to see what the insurance company sees. Go the trellis site.
If there is NOTHING in that -which is as likely as not- and later you fail to answer insurance question truthfully; the concealment may be taken as fraud and any claim may be denied, or coverage cancelled.
Yes, within are two ways the insurer will discover this:
1. Request medical records from your doctors. If your policy requires proof of suitable health, consequently you signed a form allowing them to contact your medical provider for a copy of your file. Or, if you didn't hold to provide this at application time then you will do it at claim time. So, any way. Some race "fail to mention" another doctor that they saw as a means of access of hiding pre-existing conditions, but this is obvious when in that is a gap surrounded by medical providers or your physician references another doctor within their file. They can also request info from your pharmacy give or take a few medications you are taking.
2. MIB - medical information bureau which another poster provided information around.
Also, check your policy language. Insurers are starting to update talking in the policy to not singular exclude pre-existing conditions that you sought treatment for but also medical conditions that a reasonable character should have sought medical attention for - and that method they are trying to stop people from withholding medical keeping for themselves in instruct to become insured before they see a doctor.
they usually send u to call on one of there doctors
Yes, they will know how to find out. Then they cancel your policy, and possible (if it's a big deal) can prosecute you for fraud.
Don't fib on the application.
Every time you stir to the Doctor, your records draw from updated on a database called the MIB (Medical Information Bureau). If they find a condition approaching diabetes (or other conditions that won't go away easy), you can be sure that it will appear on the MIB, and some insurance companies will infer twice about insuring a being (depending on how serious/advanced the condition is).
If you have not see a doctor for your condition, it won't be on the MIB; so the insurance company doesn't have a track to know. However that will put your health surrounded by jeopardy, and depending on the terms of your Health Policy, if they discover your condition after you obtain insured, they might revoke your coverage (you need to settle to your insurance agent/broker about these clauses).
yes they can POSSIBLY find out,
It is possible that they will find out. Some plans routinely convey "pre-exisiting questionnaires" to doctors at certain times of the year, and habitually they ask for copies of the chart to be sent with it.
(Yes, it's permitted, it does fall below HIPAA guidelines because it's for payment.) That would be the just way they'd find out.
it depends...if you went to the doctor in the past you had insurance and be indeed a self-pay client and then get insurance and went support for the same item, insurance may deny you. it all depends on your diagnosis. if it is a pre-exsisting condition they most credible will---but that is on the whole for someone who has an "expensive disease or condition" such as cancer where on earth they will be submitting a ton of claims and spending a lot of money.
insurance companies are a huge d i c k around, i work contained by a doctors office and we hold claims being denied adjectives the time for stupid reasons.
i hope i help and didnt just verbs you more :o)
"Utmost good faith" is the possession that we always use and explain to our customer, munificently declare everyhing beforehand signing the policy.
You can ommit certain information during the application (with or short intention).
But when it comes to claim, this is where they will start digging information nearly your health for any pre-existing condition. Remember you may already compensated premium for a few years, if they found out the discrepancies they got every right to waste payment.
if your sum insured is huge, you are require to put up with a medical checkup, then the doctor will be capable of find out the truth and report the truth, the result is your application can be rejected or they will impose some restrictions or exclusions.
compassionately declare everything and consent to the insurer decide on your application.