What can my health insurance company do with this information?
August 24, 2009 1:04 PM Subscribe
I want to consult a doctor about some possible health problems, but I don't want my insurance company to know about it. What do I do?
posted by anonymous to law & government (13 answers total)
For the last three months I have been insured through my very small employer's expensive plan with United Healthcare. Before joining my employer's plan I carried about seven months of short-term insurance, and previous to that I was uninsured.
In a few months I will be able to switch my health insurance to Blue Cross Blue Shield under my partner's very large employer's affordable and comprehensive group coverage. Meanwhile, United Healthcare is vigilantly documenting my medical history.
I'm suffering stomach problems, for which I've recently seen a doctor under my current plan. Because I was afraid of alerting United Healthcare to possible pre-existing conditions, I did not tell the doctor that a) I have a family history of kidney disease and b) I was told last year that I might want a screening for pre-diabetes.
It is time for my follow-up appointment, and the treatment my doctor prescribed has not done much good. In the interest of solving my stomach problem, I would like to be honest with her about my possible medical problems, but I don't want United Healthcare to have any reason to deny my claims, and I also don't want to have any problems establishing coverage with Blue Cross Blue Shield in a few months.
Should I be worried about what United Healthcare might do with this information? To clarify: I don't think either kidney disease or diabetes is an imminent health danger. However, they could be relevant to my stomach problem; I can suffer through until it's time to switch insurers, if necessary, but I'd really like to get started solving this.