I’m trying to get my own insurance, since I work contracts. I have several chronic health conditions, so coverage is a matter of life and death for me.
Most things on the marketplace restrict me to a geographic area, which isn’t feasible with my line of work. The brokers I’ve been speaking to show me both public and private plans.
I’ve been told that one of my conditions (the most expensive) is something I should omit from my applications. That it isn’t fraud, since the company does their own investigation and I’m simply omitting the information rather than denying it. The condition requires a very expensive medication, which is administered in an infusion clinic setting. They said the insurance companies wouldn’t find it because I don’t pick it up from a pharmacy.
This seems… Dubious to me. While I should be able to go a year without needing the medication (and won’t require surgery for the illness), the idea I could be denied and this information shared between companies scares me. Even more so the idea I could think I’m covered, then retroactively denied for omitting the condition.
What are the consequences of doing what these brokers suggest?
submitted by /u/apatheticgraffiti
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I’m trying to get my own insurance, since I work contracts. I have several chronic health conditions, so coverage is a matter of life and death for me. Most things on the marketplace restrict me to a geographic area, which isn’t feasible with my line of work. The brokers I’ve been speaking to show me both public and private plans. I’ve been told that one of my conditions (the most expensive) is something I should omit from my applications. That it isn’t fraud, since the company does their own investigation and I’m simply omitting the information rather than denying it. The condition requires a very expensive medication, which is administered in an infusion clinic setting. They said the insurance companies wouldn’t find it because I don’t pick it up from a pharmacy. This seems… Dubious to me. While I should be able to go a year without needing the medication (and won’t require surgery for the illness), the idea I could be denied and this information shared between companies scares me. Even more so the idea I could think I’m covered, then retroactively denied for omitting the condition. What are the consequences of doing what these brokers suggest?
submitted by /u/apatheticgraffiti [link] [comments]Read Morer/HealthInsurance