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Do you have to use your health insurance?

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Old 01-04-2009, 02:23 AM   #1
Join Date: Dec 2008
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kellyj21 HB User
Do you have to use your health insurance?

If you have health insurance, do you have to use it? Or even let the provider/practice know that you have it? I have been told before that it could be committing health insurance fraud. Is this true?

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Old 01-04-2009, 04:50 AM   #2
KDD 26
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Re: Do you have to use your health insurance?

If you want to pay out of pocket for all of your health expenses that is your choice.

You should cancel your health insurance so that you are not paying premiums on it since you are not using it.


Old 01-12-2009, 06:42 PM   #3
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xinerevelle HB User
Re: Do you have to use your health insurance?

Regardless of whether you use your insurance or not, whatever it is you are thinking you are going to hide by not using it will still show on your medical records later...

Old 01-15-2009, 04:38 PM   #4
Join Date: Jan 2004
Location: NE
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trimmery HB User
Re: Do you have to use your health insurance?

Why wouldnt you want to use your health insurance? Health care costs are ridiculous the way it is. doesnt make sense to me. There are HIPPA laws that prevent doc offices and insurance companies from disclosing health information about a person, so if it is word getting out that you are worried about....

Old 01-23-2009, 08:37 PM   #5
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Re: Do you have to use your health insurance?

Some people choose to go outside of their medical insurance to get treatment. I would NEVER encourage anyone to cancel medical insurance - you never know when you may become seriously ill and may need the coverage. But I know many people with health insurance who choose to pay on their own because they know the provider or the treatment won't be approved by the insurance company. It's not insurance fraud not to use it - but it is insurance fraud to fail to disclose prior treatment when asked.

For example, if you apply for Life Insurance and they ask "have you seen a doctor in the last year for cardiac issues?" you can't lie and say "No" in order to hide the fact you did see a cardiologist but paid the fees without filing for insurance coverage of that treatment. You must answer truthfully to any and all questions asked by an insurance company when seeking any coverage (be it medical, life, disability, etc).
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