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    Health Insurance Companies Requiring Physical Exams Before Coverage

    Jason B.
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    Post by Jason B. Mon Feb 07, 2011 3:18 am

    Do you think it's ethical for health insurance companies to require a complete checkup before agreeing to insure a client? I ask this because when I first switched over to my own insurance eleven years ago (after aging out of my parents insurance coverage), I was surprised that they didn't require a physical. They asked a bunch a questions but didn't require proof of anything. Of course later I found out that if any answers I gave proved untrue, they would resist covering any medication surrounding it (luckily for me that hasn't been an issue) but at the time I just thought they were being suckers for taking my word.
    RedBedroom
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    Post by RedBedroom Fri Feb 11, 2011 11:17 pm

    I am for it. The way I see it, I spend my resources on eating well, working out and living healthy. Why should I pay the same as someone my age, 100+ lbs. overweight, smoking, drinking and not exercising at all?
    TPP
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    Post by TPP Fri Feb 11, 2011 11:24 pm

    Didn't the new law passed rule out excluding people for pre-existing conditions? Or is that just children?

    At any rate, I've never had to even fill out a form with my health history when switching insurance. For life insurance, yes, but not health insurance.
    Nystyle709
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    Post by Nystyle709 Sat Feb 12, 2011 3:23 am

    Nope. Everyone should have health insurance.

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