Life Insurance blood tests

[pigeonca]

It just occurred to me that I've applied for better-priced life insurance a number of times over the last 10 years and was always turned down, I assumed because of a pre-diabetic condition.  Having met several people whose hcv was diagnosed via insurance blood tests, I was wondering if any of these companies had found the hcv and then not informed me.  So I called my agent, whose assistant told me that the companies do not disclose the reasons for rejection unless one fills out a form authorizing disclosure.  But nobody ever offered me any such form to sign.  It would appear that either legislation and/or a lawsuit are in order here, but I really don't know what to do.  This just seems like criminal negligence.

[Kalio1]

I see your point, but they are not health care providers and have no duty to you beyond providing or denying you insurance. Had you pressed them for the reason, they would have provided you with the proper form and then given you the info.

If a doctor did that, it's a different story. They DO have a duty to inform you of test results but the ins. company does not.


I hope you are hanging in there on tx and getting through it ok.

[pigeonca]

Thanks, I'm doing better, waiting to see my latest CBC results, but it seems that the Procrit is beginning to work.  Hooray!  How about you?

Re. the insurance disclosure, isn't their not informing applicants about transmissible diseases - from a public health POV - terribly unethical?  It may be legal to not pass on this info, but is it right?

[Kalio1]

I agree, it does seem unethical and a public health risk to boot. I am very jaded regarding insurance companies and I think the last thing they care about are ethics or what is right. The only thing they care about is $$$.

You would think they have a duty at the very least to inform the patient or to relay the information to the health dept.

It doesn't seem to me that anyone is keeping track and making a proper accounting of those with this disease.

Im glad to hear the Procrit is kicking in, I've hovered around hgb 10 for most of my tx and it makes everything a struggle. How I've wished for Procrit at times! Hope it helps you.