Medical info - Off topic slightly

[Mom2four85]

Just a warning - be careful what you say to your doctor, NP or nurse -- it can be later used against you to deny a claim even years later; health insurance, life insurance and supplemental health policies.  Even if there is no medical history in the time period they state on your policy, they can and will hold it against you later on.

I'm finding out the hard way about this with a problem I've been having with a claim.  I posted in the insurance section also, so it was no big surprise when I talked to an attorney this afternoon to hear him say this.

So many of us just want a diagnosis and to be validated something IS wrong...well that can turn around and bite you in the rear...literally LOL

Just something to think about the next time you visit your doctor.

[Mom2four85]

wow that's just wrong; glad you got it straightened out and hopefully I will get mine too.

Since there's no medical tests or dx to back it up prior to June 2009, I'm sure it will be fine.

I just wanted to make sure everyone is aware of what can happen; the law doesn't believe we as patients would lie to our physicians :X

[itdood]

My mom always warned me about this, especially when it comes to life or health insurance.  She insisted that if I go to a doc for anything, if they do not formally diagnose an issue don't let it get on your file.    I never knew why until I had a run in because of it.

I went to a doc 4 or 5 years ago for a peristant cough.  He asked me to try advair based solely on my complaint of a persistant cough.  he listened to my lungs, no issues.  The advair never worked and I never went back (turns out it was post-nasal drip).  4 years later I went for life insurance (well before my PVC issue).  I gladly gave them my PCP's #, I was the picture of health.  They pulled my entire file and on it they diagnosed me as having asthma.    This drove my life insruance premium WAY up.  I fought them on it and won.  There was no way I was standing for that.  I felt violated that they wrote me up for asthma, which they never mentioned to me. Hearing it was on my file I thought there had to be a mistake.  No tests done to confirm at all.  That's when I said to them, OK, I will go in for the asthma tests to prove it.    They quickly backed off in under a day.

So yea, if you see a doctor for anything and you have insurnace, they have to pick an ICD-9 code to get reimbursed.  If there's no diagnosis (ICD-9 code), no money.  This process is prone to mistakes, errors, and dare I say greed.  Who knows I even suspected that they wrote it up for asthma because their reimbursement would be higher.  SInce I wasn't paying the bill I don't know.

Maybe you can do that with this MVP thing.  With everything else that's going on that's one thing they didn't note in the Echo or MRI right?  well there's your answer....and they can go pound sand!  Good luck with the issue, keep fighting them, you will win.

I did some checking up on my health insurance this year to see what I paid in premiums and what they paid in reimbrsement.  Despite a bad year they still made money off me.