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I need your expertise on insurance

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Crohn's Disease
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songstress
Regular Member
Joined : Jul 2005
Posts : 393
Posted 8/20/2007 4:12 PM (GMT -6)
Okay so I got approved through this company and I didnt disclose my pre existing condition cuz I ran my MIB report and it was blank.

I have an appt with a GI that the ER here locally referred me to on Fri. I had told them I had crohns and would get the previous records from the other docs to them...THEN I realized that could get me into some trouble and that the insur company might drop me or exclude me.

Would you???

A. go to the appt..play dumb act like the doc told me I had crohns or mentioned it but that I have no medical records
or
B. CXL the appt find a totally different GI and just tell them my symptoms and thats all...act as though I have nothing

or

C. something else?
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nruth
Regular Member
Joined : Mar 2006
Posts : 195
Posted 8/20/2007 9:30 PM (GMT -6)
Not a real good position to be in, I'm afraid.
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Nanners
Elite Member
Joined : Apr 2005
Posts : 14999
Posted 8/21/2007 7:35 AM (GMT -6)
I think I would just play dumb. Tell you the truth I don't think you will have any problems. JMHO
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nruth
Regular Member
Joined : Mar 2006
Posts : 195
Posted 8/21/2007 9:29 AM (GMT -6)
I'm sorry, but what do you think medical records are for?
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FitzyK23
Veteran Member
Joined : May 2005
Posts : 4219
Posted 8/21/2007 10:15 AM (GMT -6)
a fraudulent misrepresentation is reason for them to void your policy at anytime.
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JaSanne
Veteran Member
Joined : Oct 2006
Posts : 2086
Posted 8/21/2007 11:13 AM (GMT -6)
You might want to research just how much trouble it could cause you if and when it comes out. The records exist, as you say. Getting dropped by the insurance if they find out is one thing, possibly getting prosecuted for fraud is another.
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Nanners
Elite Member
Joined : Apr 2005
Posts : 14999
Posted 8/21/2007 11:42 AM (GMT -6)
Forget my previous post, I misread it. I thought you just got diagnosed last Friday at the ER. Boy, my fibro fog is in full gear today.
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