Lipoma removal before or after purchasing private health care?
July 29, 2011 5:04 AM Subscribe
Uninsured American Health Care Problem: Should I have a somewhat large lipoma (benign fatty tumor) surgically removed before applying for private medical insurance, or would it provide the basis for application denial or drastically raised rates?
I haven't had health insurance for years; I'll be in a position to purchase private insurance in a year or two. For several years I've had what I have self-diagnosed as a large benign lipoma (a non cancerous benign fatty tumor) near my shoulder, something that research has indicated would require surgery costing anywhere between 1500-4000 dollars. An unexpected source of income has made it possible to have the surgery done this year, if I'd like. I'd like to talk to a local dermatologist about it soon, get a firm diagnosis, biopsy, surgery options and so on.
Would this likely cause my future private health insurance application to either be denied or to cause an enormous uptick in my premiums? Could I consult this dermatologist in such a way that a future insurance company wouldn't find out (just the assessment without the surgery), ie, "off the record?" Should I wait another year or two until I'm covered privately and then have it done? (I would prefer it out now, its an embarrassing lump). Are there other things about this to consider? (if it's at all relevant, I'm a male in his early 40s)