|
Post by ouchy on Nov 26, 2006 23:27:48 GMT -5
I'm not looking for advice on this, as we do have insurance, but I thought this may help someone in the future. My husband and I were denied private insurance coverage for "making a false statement" on our application. I think it was my fault, but had I been given the chance to explain to the insurance company my argument, I firmly believe I could have won.
The application asked if I had any "feminine conditions" or something like that. I checked the box for "no," because men undergoing high-dose estrogen for chemotherapy can also develop endometriosis, rendering their description of "feminine condition" not conducive to all cases of endometriosis. The form didn't ask if I have a "gynecologic condition"--just if I had a "feminine condition." While I still feel confident I could have fought this, backing it up w/ plenty of scientific studies, I decided not to.
Be careful not to try to use technicalities when filling-out insurance applications!
|
|
|
Post by cherry on Dec 22, 2006 12:54:44 GMT -5
Hi ouchy, as a former insurance agent I think it would be worth you insisting that you are able to explain in full, as things like that can cause major problems in future with other insurance. If they come round to it also suggest, maybe in writing that they change the wording to gynaecological rather than feminine (which sounds so patronising!) to avoid further misinterpretations!
|
|
|
Post by ouchy on Dec 22, 2006 13:02:07 GMT -5
Hi, Cherry. Thanks for your reply. We're just going to stick w/ group insurance for the rest of our lives. Basically, they have to take us no matter what conditions we may have. I think you are right, though. I think I will write a letter to them. That is a good idea. Thanks for your advice! It's appreciated!
|
|