Can You Buy Health Insurance From A Health Insurance Company When You’ve Had A False Positive Test?
Most people know that it can be quite difficult to obtain health insurance if you have had a serious medical condition in the past. Doctors and hospitals report illnesses and treatments to the Medical Information Bureau, so any information regarding diagnostic tests will be available to your health insurance company. What happens if you have had a false positive test?
A Medical Information Bureau Report is Not the End of the Road
If a health insurance company finds a positive result for a diagnostic test on your Medical Information Bureau report, it will usually not automatically assume that you are uninsurable. Information contained in your report is used as a starting point for further investigation, not as the sole basis for an insurance company’s decision.
Your health insurance company will likely see that you have not been given treatment for the condition, so its underwriters will know to question the validity of the test. An underwriter may contact you to find out more about the test, including the reason the test was conducted, and the final outcome of the diagnostic test.
Your Medical Provider Can Clear Up a False Positive Test
If your health insurance underwriter is not satisfied with your explanation, you can ask him or her to contact the medical provider that conducted the diagnostic test. Medical professionals are accustomed to fielding questions from health insurance underwriters, so they will be happy to explain the circumstances surrounding the test report. They can provide additional information that will help the underwriter understand that the test was a false positive. In most cases, a simple conversation between your medical provider and your underwriter will eliminate the chance that your health insurance company will deny your application because of the false positive test.
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Tags: false positive test, health insurance, healthcare insurance, medical insurance