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Application informational video on the Health Insurance Marketplace that opens October 1, 2013 for uninsured Missourians to purchase affordable health insura…
Video Rating: 4 / 5

Question by r: How does Health Insurance Application Process work?
I applied for health insurance and forgot to mention an out of state doctor’s visit a few years back. Do the health insurance companies have access to all medical records even if you did not list the doctor or doctor’s office on the application? Is it a big deal that I forgot to list the visit. A brief explanation of how the application review process works would be greatly appreciated. Thanks!

Best answer:

Answer by Steve B
In the UK, they normally don’t bother contacting your Doctor UNTIL YOU CLAIM … THEN they try to avoid paying out by finding some mistake or ‘error’ in your application so they can say the Insurance is invalid.

I’ve no idea what happens in the USA, but I bet Insurance companies there are just as reluctant to pay out as they are over here …

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