Can I send my medical records in with my application?
There is also the possibility that a review of your medical records may spark concerns with the underwriter, and that could result in a deeper probe into your health history, or a decline of your application. Let the insurance company decide if a review of your medical records is necessary, based on your honest answers on the application. If the insurance company notifies you that they will be obtaining your medical records, they should tell you from which doctors or medical groups they are wishing to receive this information. If you want to assist in expediting the process, contact your doctor and encourage them to reply to the request and forward your records in a timely manner. A physician is not always aware of the reasons why an insurance company is requesting medical records. If they know that it is of importance to you, they may be more cooperative and prompt in responding. 1 CommentLeave a comment |
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Can I send my medical records in with my application?
Yes, but it may be a waste of time. If the insurance company with whom you are applying wishes to view your medical records before they approve your medical insurance coverage, they will probably want to receive these medical records directly from the physician or medical group. If the medical records are sent by the applicant, the insurance company has no way of being certain they are receiving a complete set of records. Most people do not maintain copies of their personal records, and obtaining them can be challenging, especially if you have seen more than one doctor in the past 4 or 5 years. Most medical groups will have a medical records department where you can request a copy of your records. You will need to sign a release form and there will probably be a charge for this service. The copy fees are probably not that expensive, but the expense at the time to gather these files may be wasted if the insurance company does not accept them.
Hi, what should we do if a federal agent comes to our office and asks to see our Medicare insurance files? Can we ask them to come back once we have verified their identity with the Medicare office? We had an agent come in to our office while we were busy with clients and we asked him to come back. He didn’t seem to like that and told us we had to comply and get the records. I have heard that Medicare insurance does unannounced visits, but I would think they would have to get us some kind of notice.
Comment by George — June 21, 2009 @ 10:21 am