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Is there a time limit on health insurance and for how long after your application they can go back to find "fraud?" With life insurance, the company has two years to determine fraud, if it has not surfaced in two years, you got away with it.
Seems like it ought to be the same in health insurance, if the mis-stated illness has not caused a problem for 2 years, then how big a problem is it? Ah, but then if I forgot to mention I had breast cancer 5 years ago and it recurs i 5 more years, I should have been paying higher premiums all along the way, so that is tough.
I have an extremely high deductible and avoid doctors whenever I can, but am floored by the rampant waste in CYA testing done by doctors. My FIL has a cancer that was daignosed, had scans & biopsys & it is slow growing, treatment is ONLY for symptoms, if they develop, yet his doc is still doing scans and repeat biopsys, though there is no treatment. The only reason I can come up with for this is to cover himself in case of litigation???? Otherwise, why does it matter? What a waste of money & time & health risks.
Our system is crazy and I hate paying so much for which I receive (and hope to continue to receive) nothing- we are healthy, but we avoid treatment for small things. I hate to pay $100 for a visit for a sore throat!
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