June 21, 2012 4:47 PM Subscribe
Where does one go for reliable information about any risks of using your health insurance policy?
I have questions about the potential fall-out of getting health care under health insurance. My son is the beneficiary, and this is mental health care for anxiety. His mom is concerned, based on some analogous experiences that she's heard about, that our continuing his care over a long term may cause him problems getting health and/or life insurance. (We also disagree about whether further care is warranted, but this question is about the insurance side, tempting as it is to talk about all sides at once.) Can mefi can point me to objective, informed people to ask for the best possible information about it. Are there insurance consultants or government offices that can give solid information about this, preferably the kind you can go back to when the insurance company tries to balk and say "here it is in writing, the regulation or piece of our contract that says you have no right to balk"
The closest things I have are the doctor and the insurance company. The doctor might be biased and I think usually isn't the best-informed about insurance issues. The health insurance company has totally whacked out biases, and I've found when issues have come up that the customer service reps I've spoken to have sometimes been quite wrong. It might just mean that the fallout is so unpredictable that nobody can know and I should just put my head in the sand and discontinue the care. sigh.