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beachprincess87

insurance question

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beachprincess87

Hello again. So apparently even though I'm still in school and a full time student, my parents health insurance doesn't cover me anymore at the end of this year.

I'm trying to get private health insurance just incase something happens before I can graduate and get my own job.

Anyway, here's the question. Do I have to disclose that I have herpes if I don't take medication regularly???

I don't want to get in trouble down the road, however I don't really feel that it's neccessary...

Please please please give me your input!

Thank you!

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justmyself

Just out of curiosity, can you get state assistance for health care coverage? My daughter is a full-time student, 19 years old and has a part-time minimum wage job only during the school year and her insurance is going up by $200 a month since she turned 19 and I was going to look into getting her covered under Medicaid. I wonder if you would qualify for that too, to avoid high insurance premiums.

As far as disclosure to a potential health care coverage provider, I would think it depends on how the questions are worded. Since herpes doesn't require any expensive medical treatment and the generic of Valtrex, Acyclivor, can be taken, I would see no reason it would make any difference whatsoever to an insurance carrier.

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regret

i wouldnt mention it..now days insurance companies are saying if a baby is overweight its a pre existing condition??? they go overboard with this stuff ..i wouldnt even mention it..

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PicadillyPeaCoat

No you do not have to disclose that information. When you work for a large company, one that has more than 100 employees, a pre-existing condition does not apply. Anyway who is to say you didn't find out about two days after you became effective with your coverage

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