If health insurance companies ask for your medical record but you refuse does that hurt you?

  • by ?
  • Jul 12,2018
  • 7 answers

If health insurance companies ask for your medical record but you refuse does that hurt you?


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Insurance Answers (7)

Larry M 39 hours ago

It depends. Under the affordable care act (ACA) health insurance companies cannot make underwriting or claims decisions based on pre existing conditions. This applies to full coverage permanent health policies. However, there are options available to consumers besides ACA plans. If you have or are applying for a short term plan, indemnity plan or Christian ministry option, holding back information could get your policy or claim denied.

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Casey Y 3 days ago

For non-compliance with their request, they can simply deny any claim made...

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Erik 3 days ago

Of course it hurts you. They're not asking just for fun. They will probably deny you whatever you are seeking.

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TedEx 3 days ago

They will just sit back and do nothing until you provide it

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Eva 3 days ago

They aren't required to accept you, so they will probably turn you down if you don't supply the requested records.

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Insurance Pickle.com 3 days ago

They just refuse you in return.

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GEEGEE 3 days ago

Sure. They use the info to underwrite your policy.

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