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Re: applying to new insurance- need help hok Dr. Bob

Posted by judy1 on April 23, 2003, at 11:49:59

In reply to applying to new insurance- need help hok, posted by Dr. Bob on April 23, 2003, at 8:23:40

my initial feeling is to deny any pre-existing mental disorder (especially if you feel it will affect your premiums, and it will prevent you seeking help for one year for a specific illness). my insurance keeps physical and mental claims separate, but i do know that insurance companies share information on their clients- usually more in the range of how much money you have cost them and usually that applies to catastrophic illnesses. if your pdoc is covered by the new insurance and you are fortunate enough to live in a state that identifies major mental disorders (like California), then you will have no problems. will your pdoc be covered under the new insurance? if so, ask his/her opinion about the new insurance and how you should approach this. best of luck-judy




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