The Mudcat Café TM
Thread #122754 Message #2697434
Posted By: Kent Davis
10-Aug-09 - 11:15 PM
Thread Name: BS: Think I gotta an ulcer.... Advice needed
Subject: RE: BS: Think I gotta an ulcer.... Advice needed
Perhaps I don't get it, Richard. Enlighten me.
Bobert has indicated that he has already has insurance and therefore has already disclosed all conditions that existed up to the time he got the insurance. Conditions that develop LATER are not PRE-existing conditions.
When you get insurance, you normally give consent to access your medical records FOR BILLING PURPOSES. If you are not having your insurance billed for a thing, then you don't give them access to your medical records for that thing.
If Bobert signed some kind of agreement to tell his insurance company everything that develops AFTER the policy begins EVEN IF the company is not billed, then you are right. I've never seen or heard of such a thing, but it may exist. I am not an insurance agent.
However, as a physician, I can tell you that, when a patient pays cash, we don't even know if he has insurance and, if he does, we do not, and cannot, track down an insurance company to give information to. If we were to do so, we would be breaking the law.