dlomax6542
New Member
- 9
Hello,
A little over two years ago, after about 5 years of having no insurance coverage, I decided it was time to get some coverage. I went through an agent, who worked with me to get a policy written. She thought it was a no-brainer as I have had no serious medical conditions except when I was 4 years old. When I was 4, I had serious cancer and underwent a 6 months in in-patient chemotherapy and had several surgeries to remove two tumors. Luckily we had health insurance back then and to this day I am completely cancer free. Not remission, but cancer free. It's not even an issue, so on the application I was reluctant to even mention this because first of all, it shouldn't matter, second of all, those medical records if they even still exist are in some hospital basement somewhere and couldn't be found even you tried.
My agent calls and tells me after weeks of fighting them they say there is nothing they can do and will not write a policy for me. Unbelievable. I have been beating myself up about this because I REALLY needed that insurance and I feel like I have permanently stigmatized my record because it's my understanding that this information has now been placed on my MIB file for any other insurance company I apply to see. But, here's where it gets interesting. Two months ago, well over a year after being told I can't get insurance, I requested a copy of my MIB file and they have no file or reports on me. This is what has been puzzling me. One scenario for why this is the case is by mentioning cancer, my application failed the pre-screen and my application never even made to official underwriting. I for sure know they never requested any medical records from the hospital. Or, maybe I got lucky? Either way I can't stop thinking about this and would love to hear from someone who is familiar with this. Should I reapply with a different company?
Thanks for reading,
David
A little over two years ago, after about 5 years of having no insurance coverage, I decided it was time to get some coverage. I went through an agent, who worked with me to get a policy written. She thought it was a no-brainer as I have had no serious medical conditions except when I was 4 years old. When I was 4, I had serious cancer and underwent a 6 months in in-patient chemotherapy and had several surgeries to remove two tumors. Luckily we had health insurance back then and to this day I am completely cancer free. Not remission, but cancer free. It's not even an issue, so on the application I was reluctant to even mention this because first of all, it shouldn't matter, second of all, those medical records if they even still exist are in some hospital basement somewhere and couldn't be found even you tried.
My agent calls and tells me after weeks of fighting them they say there is nothing they can do and will not write a policy for me. Unbelievable. I have been beating myself up about this because I REALLY needed that insurance and I feel like I have permanently stigmatized my record because it's my understanding that this information has now been placed on my MIB file for any other insurance company I apply to see. But, here's where it gets interesting. Two months ago, well over a year after being told I can't get insurance, I requested a copy of my MIB file and they have no file or reports on me. This is what has been puzzling me. One scenario for why this is the case is by mentioning cancer, my application failed the pre-screen and my application never even made to official underwriting. I for sure know they never requested any medical records from the hospital. Or, maybe I got lucky? Either way I can't stop thinking about this and would love to hear from someone who is familiar with this. Should I reapply with a different company?
Thanks for reading,
David
