Re: HELP fininding Health Insurance for adults with RSS-Klover

[Guest guest]

Hi K,

I'm an adult with RSS and I just wanted to put my two cents in about

insurance. I know it might be *really* tempting not to disclose RSS

to the insurance company, but personally, I wouldn't. I wouldn't for

several reasons - chief among them being that if anything happens to

her and someone (a doctor, nurse, etc.) happens to mention RSS in a

claim, the company can (and probably will) deny to pay for her

treatment based on the fact that she willfully witheld information

from them. It is within the company's full legal right to do this

even if the treatment is not RSS related. Now I know it seems like a

long shot that the insurance company receives accidental disclosure,

and it probably is, BUT there's still that chance. Especially in an

emergency/urgent care type of situation. I worked for a legal center

last year and we had a case where someone bought a life insurance

policy without disclosing that they had a kidney condition and was

then, unfortunately, killed in a car accident. The insurance company

ended up not paying the premiums to the family because the deceased

had willfully witheld information from the insurance company. The

accident had absolutely nothing to do with the kidney condition, but

there was nothing the family's laywers could do to make the insurance

company hand over the premiums, because the individual who bought the

policy from the company had bought it under false pretenses. Ok,

that's just my two cents ...

~Hillary

21, RSS

[Guest guest]

Hi Hillary,

Thanks for you input. It's good advice. We weren't willfully

holding back info. I guess that's why she was denied.

Honesty is the best policy.

K

> Hi K,

> I'm an adult with RSS and I just wanted to put my two cents in about

> insurance. I know it might be *really* tempting not to disclose RSS

> to the insurance company, but personally, I wouldn't. I wouldn't

for

> several reasons - chief among them being that if anything happens to

> her and someone (a doctor, nurse, etc.) happens to mention RSS in a

> claim, the company can (and probably will) deny to pay for her

> treatment based on the fact that she willfully witheld information

> from them. It is within the company's full legal right to do this

> even if the treatment is not RSS related. Now I know it seems like

a

> long shot that the insurance company receives accidental disclosure,

> and it probably is, BUT there's still that chance. Especially in an

> emergency/urgent care type of situation. I worked for a legal

center

> last year and we had a case where someone bought a life insurance

> policy without disclosing that they had a kidney condition and was

> then, unfortunately, killed in a car accident. The insurance

company

> ended up not paying the premiums to the family because the deceased

> had willfully witheld information from the insurance company. The

> accident had absolutely nothing to do with the kidney condition, but

> there was nothing the family's laywers could do to make the

insurance

> company hand over the premiums, because the individual who bought

the

> policy from the company had bought it under false pretenses. Ok,

> that's just my two cents ...

> ~Hillary

> 21, RSS