 What is the name of the health insurance that supplements Medicaid coverage? |
| I saw a commercial for it, but I can't remember the name of it. I believe it is for expanding coverage to what Medicaid does not cover.... |
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 Will i be sucessfully in my new insurance job and in my current realationship? |
| im a taurus ,really can't seem to get organized but is will to change to be successfull in ... |
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 I am buying my first home. Should I buy mortgage insurance? Which one can take care of the property damage? |
| I am going to buy my first house and since i have 20% down, I don't have to buy the private mortgage insurance. Since i am sure I will pay off my house within 5 years, my friend does not ... |
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 Can anyone give me advice on travel medical insurance to USA? |
| I have just been diagnosed with a congenital heart disease and about to have surgery in UK, but have a holiday booked to Los Angeles is September. It;s the only thing to look forward to but I'm ... |
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 Can any one tell me? |
| Hello everyone can anyone tellme if i can still do my taxes, even though i was on disability for six months, actually maternity leave? Thanks to all.... |
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 Which car insurer will insure 5 people from my family on 1 policy? |
| ive seen an advert on tv that says they have a new policy which lets tou insure 5 family members each with there own car on one insurance ... |
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 Will My insurence cover the lap band surgery? |
| I'm 21 years old, 5'11, and about 300lbs...I have blue cross blue sheild western new york. I also live in westchester county, NY. where can i get more information about it? do you think it ... |
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 Individual Medical Insurance - What Gives Here? |
| I applied for med insurance through Humana One - they were going to require I get a physical before telling me if I was approved or whatever - and they have their own exam requirements - a paramed ... |
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 General Contractor looking for General Liability Insurance for another state? |
| I am currently a Residential contractor looking for General Liability Insurance that would cover me in other states as in Georgia. I was wondering if anyone knowes of an Insurance company that may ... |
|
 BAILOUT??!!!?!?!?!?!? |
CAN ANYONE EXPLAIN TO ME THIS BAILOUT? WHAT IT ENTITLES AND WHO THE HECK BAILS OUT??????
Additional Details
How can i get specific information of the content?... |
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 Is my insurance liable or not? |
| Back in the fall I called a profesional paint co. to get my vinyl sided house painted. they came out in the spring and said " Good news we have a new product that makes it so we can paint your ... |
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 How can i get compensation for smoke damage ? |
| I have a lot of smoke damage in my apartment form a burned house next to me how can I get compensation to the smoke damage I have in my apartment and who should I call to get compensation . I ... |
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 How to get a Life Insurance policy? |
Is there a way to get a policy on somone with out them knowing?
My son's father is not involved and broke. He doesn't always live a careful life. I just wondered if there were a way ... |
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Kristy | How can insurance companies find out if you have a pre-existing condition?? |
I have heard people mention the MIB as a source, but where do they get their info? I thought medical records were strictly private, how do they find out your past medical info? Ty! |
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JoJoOz
 |
Insurance companys keep databases of claims experience that they upload to the Medical Information Bureau. So for example, if Anthem has claims experience on you, they upload it to the bureau and United healthcare can then access your claims experience data.
That aside, many times the information gleaned from your first or second claim makes it obvious that you have a prexisting condition. For example, when you fill your first prescription, and it is for an insulin based product - voila - you have diabetes and chances are you weren't just diagnosed. At that point, they go to your physician for additional information (onset of disease, etc), and that is where you get hit with PreEx |
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Insurance Made Easy.biz
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Records are private between you and your insuring company and any company you apply for coverage with.
Another way pre-existing conditions are discovered by the insurance company is looking into your medical records after you already have a policy and file a claim.
For example lets say on your application you "forget" to mention you have been suffering from headaches for the last year and have already been to the doctor. You get your new health policy and rush to the Doctor with these headaches and your DR files a claim. The insurance company then request your medical records from the DR and bingo they find you have been seeing this DR for a year with these headaches. In this case the insurance company can rescind your policy and deny all claims. you will be refunded all premiums and you will have to pay your medical bills out of
pocket.
They also consider symptoms that would have caused a reasonable person to seek treatment to be a pre-existing condition. Example, you have a lump on you neck but don't seek treatment until you buy health insurance. When you go to the DR he says when did you notice the lump and you say 6 weeks ago. Bingo pre-existing condition.
Your prescription history is also reported to the MIB.
You can request your MIB below |
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sarah314
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When you apply for an insurance policy, you sign a waiver agreeing that the health insurer is permitted to have use of your medical information as it pertains to the policy.
This means that they are entitled to discuss your medical conditions with your doctors, and they also have the right to check your information in the MIB.
If you don't sign the waiver allowing them reasonable access to your medical background, they aren't going to issue a policy. |
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Tina T
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Good point...I'll be watching for the answer on this one!! |
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src50
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MIBs get data from insurance companies - both health and life. |
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Leslie B
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they check back with other carriers that you had insurance with |
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