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"I wonder how they proved she lied about her weight."
folks if you don't know all your medical information goes into a libarary of sorts known as the Medical Information Breau (MIB). Just as credit reports contain your credit history, the MIB contains your medical history. Every claim paid by insurance for you ends up there.
When you sign up for coverage, you sign a consent form that allows a carrier to check the mib for information. This is where a rejection may come from. There is a medical record of treatment for a condition in your history. The MIB came about to prevent fraud, just as credit reports do.
Just like credit reports the information in the MIB can be wrong, especially with common names and "junior" situations. You can clear it up much in the same way.
Now I know I'm coming off as a bad guy here by my position. Believe me over the years I have tracked down and corrected many mistakes for clients, but in the same token, I am smart enough not to let a client omit something material, as I know what the outcome will be. Sometimes that costs me business. But, I'd rather not make a dollar than make one and give back 5 later. just me.
I'd rather not be the cheerleader for this company as I don't know them...they could be bad in so many ways.. but in the same token I got a call yesterday from a guy who wants dental insurance immediately, cause he needs a root canal now. I told him I couldn't help him with that (excluded pre-ex) but heres an application so you can start your coverage for the future.. the answer I got back "Why would I need to do that?"
So I have a little sympathy for the situation. nobody wins.
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