Preexisting condition Health Insurance?

  • by Baller T
  • Apr 03,2018
  • 11 answers

How can an insurance (standard life short term) find out about a preexisting condition? I need surgery. I was uninsured when I went to the orthopedic and was planning to go to another Dr. and act like it just happened. Insurance needs your permission to get you medical records so can't I just decline if they ask and since it is an orthopedic issue isn't it more believable that I just injured my shoulder? Also since I wasn't insured they can't get previous records.


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Insurance Answers (11)

mbrcatz 3 months ago

If you decline to give your health insurance company access to your medical records, they decline to cover any claims at all.
Lots and lots of people try to cheat the insurance companies, like you are planning to. They ALWAYS get caught, and then, for some crazy reason, blame their getting caught at being dishonest, on the insurance company.
Short term health insurance isn't going to cover anything that "might" be preexisting, whether or not it was pre-diagnosed.
You might think you're screwing the insurance company here, but you're really only screwing yourself. Go get a real health insurance policy - the expensive kind - which does NOT exclude preexisting conditions. You might have to wait for open enrollment to do it, though.

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STEPHEN 3 months ago

They can check your medical records. You give them permission to do so when you take out a contract. If you decline they know you're hiding something and decline your business. Doctors can tell how long ago an injury happened.
Everything you think of they thought of years ago. They're used to people trying to defraud them.

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H. Marie 3 months ago

when Obama care was enacted prexxisting conditions were longer a factor in issuing insurance, if this is happening to you it is not legal

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David 14 3 months ago

The Medical Insurance board is like a credit report of medical issues.

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Mike 3 months ago

First you say Pre-existing condition health insurance, then you say "standard life short term". Which is it?

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Stan 3 months ago

Most doctors belong to a medical bureau.

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StephenWeinstein 3 months ago

If you decline, then it won't be covered. That's easy. It won't even matter whether it was preexisting or not -- if they ask for permission to get the records and you decline, then then you can't use the insurance to get the surgery.

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A Hunch 3 months ago

Pre-existing condition exclusions for short term coverage means diagnosed and non-diagnosed conditions.
If your injury happened awhile ago, your body probably did some "natural" healing which can show up in xrays and scans
- scar tissue, arthritis, etc.

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lucy 3 months ago

https://lsminsurance.ca/life-insurance-c...
Odds are that even if you see another doctor, they will find out, since when you applied for this short term health insurance, it would have asked you (what) doctors or if you went to the ER in the past and if you did, then they can access those medical records to see (if) you sought treatment (or) complained of this injury.
The other poster is correct that with some injuries can show how (long) you may have had this problem via x-rays or any meds you may have taken for it.
So your only solution is to wait till January 1, 2019 for this surgery, since when open enrollment starts in November/December 2018 for a (regular) health insurance policy, there are (no) pre existing conditions, thus after January 1, 2019 can have the surgery.

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Flower 3 months ago

Since the ACA began it doesnt matter about pre-existing conditions and that is still the law. Insurance companies have their own data bases so they can find out your entire medical history. You have a right to see as many specialists as you want if you pay. You have to pay if you were not insured. You can request old medical records and your doctor can do the same.

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Insurance Pickle.com 3 months ago

Let me assure you that you're not the first person to think of this. And, let me assure you that insurance companies aren't stupid. It's usually quite obvious when someone has a pre-existing condition. Just yesterday I had someone call me about short-term disability, and I asked if she was pregnant...."uh...."
When they request the other records and you decline, they simply decline your claim. Insurance is for unexpected illness and injury. That's why when we're going through an enrollment, we make sure they understand that. The scam you're trying to pull, while also illegal, is more than likely a futile effort.

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