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How do life insurance companies get medical records?

I've heard that insurance claims can be denied based on conflicting or misreported medical records. Let's say I take out a life insurance policy, and don't report a specialist who I saw out of my network prior to the event. Would the insurance company be able to deny the claim for that? How would they find out?

   








How to convince my dad to insure the car? Thanks?
Under 1000 car, low insurance group, fuel effieient, help?
Hail damage and insurance check?
How much would it cost to get a car?
My son-19- is a full time college student.His Ga peach care insurance ends august 3.can he get medicaid?
Why was my claim on my Renters Insurance sent to a Special investigator before my inventory list was submitted?
Cheap auto insurance in Canada?
Is a jeep grand cherokee overland reliable w.cheap insurance for 16 yr old?
Can an insurer refuse me insurance because of a secondary drivers record?
How much does insurance generally cost?
Do you have to get health insurance?
How much does is cost to become a driver in the UK?
How much life insurance coverage do I need?
How do I purchase life insurance?
What is the cheapest teenage auto insurance in texas??
Can I sue my insurance company?
Good Teen Sporty Car?
How do you get car insurance if you don't own a car?
How to select health insurance in the US?
Which car insurance commercial is aimed towards experienced drivers?
How will the Affordable Care Act help the self-employed?
What is the average cost for car insurance for a 17 year old?
Insurance company totalled my car.?
Trade Cars and Transferring insurance?
When you change from liability only to full coverage car insurance, how much did the price go up?
Is my life insurance too expensive?
Does Employer Sponsored Health Insurance inflate health costs?
Which car would be better for insurance costs?
Affordable studio apartments?
I need to find house insurance for my older home?
Can you pay car insurance with a credit card?
How do you want health care reformed?
Car Insurance for Highschooler with good grades?
Car Insurance for Highschooler with good grades?
Car insurance companies accept no claims bonus from Lebanon?
Question about me (22 years old) and my dad's car insurance?
How much would motorcycle insurance cost for a 16 year old male?
What are some cheap health insurance companies?
Owning a allstate insurance agency ????
When to get health insurance for your newborn?
How is my insurance so high for my 125cc motorcycle?
On what type of a car would insurance be the cheapest and how much would it cost?
Can I be under my parents' insurance under a different state?
Why am I quoted so high for auto insurance?
Do mentally ill home owners pay higher insurance?
Can I drive another car with my Geico insurance?
Is Alan Grayson's Medicare Buy In bill a viable alternative to private insurance? Or does it burden Medicare?
Are Mercedes Expensive To Repair?
What is a good name for a Spanish speaking Insurance Agency?
Life insurance question?
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What is a more affordable car?
What is more affordable,a 2007 honda civic SI at 200 a month,NEW!!!!or a 2004 ford mustang,standard,at 300 dollars a month?????"


Do Dashboard Cameras lower your insurance rates?
Do Dashboard Cameras lower your insurance rates?


Car Insurance?
I know people will tell me to ring myu insurance company but i dont have my policy number with me or their number im at work today...... How much difference cost wise do you think it would be to change my policy so i can drive any car. I need to be able to drive my boyfriend, my dads and his dads cars? In the UK by the way"


Did my insurance company over charged me for additional driver?
I recently got my update insurance premiums from my insurance company for my car and found out my deceased wife name still listed as driver. The insurance company was informed about passing of my wife 5 years ago to adjust my insurance, house and auto. I thought it was changed until my recent statement still listing my wife as driver. I emailed the agent about the mistake and potential over-payment for years, and the agent's secretary replied that no overpayment with one or two adult drivers. I am not sure the secretary just trying to BS me and hope I go away. I want to know the rules to determine how many for auto insurance premiums. It is one of the largest insurance company. It is the same insurance premium for one adult driver as of two adult drivers , it is kind of strange to me. Help!!"


How come 60 million Americans Lack Health Insurance?
but car insurance is mandatory. Isn't that ironic? Americans must have car insurance but not health insurance.


16 year old insurance on a ford torino?
i need to no the price and insurance rate on a 70's model ford torino im 16 live in oklahoma give me your estimate not a website...


Pet insurance complaint letter - stuck on last paragraph?
I'm cancelling my pet insurance policy with a certain insurer as I never received my free gift card they were advertising to new customers even though I've written and phoned for it. I have drafted a letter below. Would you kindly read it and see if I need to make any adjustments? I can't think how to word the Trade Description Act near the end. I want to make it sound I know exactly my rights and let them know I know more! Thank you so much, and here it is: Dear Sirs I am cancelling my pet insurance policy with you as from the date of this letter. After many unnecessary phone calls (which I am having to pay for) and two letters to you I am still no further forward with receiving my 'free voucher' (please find attached copy of this offer). If this is the service I am receiving as a new customer I wouldn't like to take my chances in respect to my insurance with you if I had make a claim for my pet in the future. I am being fobbed off each time I enquire about my voucher; to the point of you 'floundering' when I speak to your department. I have never experienced this with my two previous insurers. If you advertise a free voucher then we should be given it as by not receiving it would amount to breach of Trade of.....................................(... here I'm stuck!!...................................."


Car insurance in new jersey?
how much is liability car insurance in new jersey


"Low cost health insurance, where can I find some?
I am able to squeeze 150 dollars out of our family budget for a monthly health insurance. I would like to be able to choose a doctor. I live in Florida. I'd like any help and information.


How Much Will My Car Insurance Be?
By the way, this car has 34k miles on it"


How insurance coverage work for new a car ?
Hi, I intend to buy a car by the end of this month on the weekend (I work from Monday to Friday and do not want to skip working). I will use my old car for trade-in. And I will switch my current insurance on to the new car. Since it all will be happening on the weekend (my insurance office closed), I will have to switch the insurance on Monday. If something happen to the new car before the insurance switched (sometime before Monday), who will cover the car ? Any advice ? Thank you..."


"Have no insurance now ,where can i get medical help for free?"
Have no insurance now ,where can i get medical help for free?"


Need help obtaining certified life insurance?
I need to obtain a certified copy of a death certificate (CA). Here is the problem, a friend a mine passed a way a few months ago and she left me with a sum of money from a life insurance policy. However I am having trouble claim it because they said i need a certified copy of death certificate. I went to department of records to obtain a certificate of death. I took it to the insurance company and they told me that i needed a Authorized certified certificate of death in order to claiim it."


Can you transfer car insurance to someone else?
My mom bought me a car. She lives in Pennsylvania, I live in Michigan. She's going to buy insurance for the car in PA, in her name, so she can drive it here. Can I use her insurance or can it be transfered? I would rather it not be transfered just use her insurance."


Is it really important to take birth control at the same time everyday?
My doctor told me as long as i take it everyday, i am ok, but when i research this most sources say to take it at the same time.. other sources say its ok as long as you take it daily.. so i don't know whats true"


How do life insurance companies get medical records?
I've heard that insurance claims can be denied based on conflicting or misreported medical records. Let's say I take out a life insurance policy, and don't report a specialist who I saw out of my network prior to the event. Would the insurance company be able to deny the claim for that? How would they find out?


Obama and health insurance?
So does anyone agree with the fact that hes trying to make it where if you dont have health insurance you are going to get fined? I have health insurance since im married to a solider but i have family that doesnt have it and i just dont think its right for people that are living off of unempoyment and dont have health insurance, not everyone is rich enough to have that ****.. so what do you think? i dont feel that anyone should have to go through that.. its messed up"


Car insurance for 16 yr old boy?
I want to get a white 5 speed subaru impreza WRX (wagon sport) with turbo (standard). How much do you think this would cost considering that i'm 16 yrs old and the car is white and i get good grades? thanks


Cheapest auto insurance in CA?
Cheapest auto insurance in CA?


Oregon car insurance?
Can I give my daughter my car registered in my name and she get car insurance for it?


What is an approximate cost of term insurance for 30 years?
I am 61 years and healthy. I am cashing out an old life insurance policy that I have to get rid of. Is there 30 year term ins.? I have been quoted on 20 years but women in my family tend to live beyond 81 years. I have many reasons to need a policy.


If I cancel my car insurance will my rate go up later?
I'm in the USA


Can I sign up for health insurance?
I live with my dad and he still claims me as a dependent. He started his own business, so my family doesn't have health insurance. He keeps procrastinating and hasn't signed up for it yet. Do I need to have him sign up my family or can I go ahead and sign myself up? I really need to go to the doctor."


Insurance help at 18 years old?
hello i am a 18 years old i am lucky enough to have a very good job so i can afford to spend alot of money for a 18 year old on a car i am looking to spend around 11k in all even tho the cheaper the better its not buying the car that is the problem its the insurance on the cars i want to buy all being around 4k for any half decent cars ?? any help would be grateful for some facts and figures .... cheers alex


Cheapest car insurance for first time driver? I'm a girl?
I'm looking for insurance that is as cheap as possible. I'm a 17 year old girl who is currently having driving lessons.


Can i get my own car insurance?
I'll be driving someone else's car which is covered under their insurance policy. Can I get my own insurance with a DIFFERENT insurance carrier (and still drive the same car)?


Where do I find the Group/Plan # and Policy Holder on Medicaid card?
this is for a waiver


Young Driver's Car insurance?
I am 18 years old and have just passed my driving test. I'm looking at buying a peugeot 206 1.1 litre petrol car. The problem I'm having is that insurance is very expensive. My cheapest quote is 2000 a year. I just wondered if anybody knows of any cheap car insurance companies that could beat this quote? I've tried price comparison sites such as gocompare and they are all more expensive


Can I sue Farmers Insurance?
Ok so we were in a car accident. It was not our fault. The guy'a insurance was taking care of everything. After a week we found out that the car was a total loss. The cost to repair it exceeded the value of the car. I still owe 13k on this car. They are giving the bank where I have the car loan 11k. That's it. That's all they are doing. So now I am stuck with NO car and in debt $2k. The guy who hit me is driving around his car while I'm here with NO car and NO way to get another. Can I sue?.


Insurance for my car?
I'm buying a car from my parents and as of right now the insurance is in their name. Once I own the car, does the insurance have to be in my name or can I continue to use the insurance they already have?"


How can I get the best and competitive online insurance quotes?
How can I get the best and competitive online insurance quotes?


How do life insurance companies get medical records?
I've heard that insurance claims can be denied based on conflicting or misreported medical records. Let's say I take out a life insurance policy, and don't report a specialist who I saw out of my network prior to the event. Would the insurance company be able to deny the claim for that? How would they find out?


Health Insurance Question?
If I set a new plan for health insurance and then went to a clinic or hospital (non-emergency) a month later without paying the deductible off, does that mean I would have to may for everything out of pocket? Asking because I never had to get insurance for myself before and I do not want to just talk to insurance salesman because I am true to myself and know that if something sounds good I will jump on the band wagon and then probably regret it. I am trying to do some homework before I do anything concrete. Thanks to all that can help."


Will my insurance be expensive?
I turn 18 this august and plan to get my license then. I want a car. I plan in getting a used car under 15000. I'm not sure wheather insurance could be more expensive for a new driver with a new used car.


How much do E.R. visits cost without insurance?
thx so much!


Why should major corporations have the burden of supplying health insurance in America?
They don't need this extremely expensive burden in other countries and shouldn't have to provide it in America. Isn't it time to make America more competitive with other countries by not expecting companies to provide money toward health insurance benefits?


Car Insurance -- Hail damage?
Just wanted to come here to ask a question. My car is an '03 model and was caught in a hail storm a few weeks ago. I have probably around 30-45 dents in my hood, roof, and a large dent on the rear passenger side door that I believe is a result of the wind blowing things around, etc. I have an appointment to get it looked at tomorrow and the people at the insurance company said that they'd write me a check for the cost of the repairs. BUT, i asked her if she knew about how much I'd be expecting and she said that it depends on if the costs exceed the deductible? That's where I'm having problems. There is no lien holder on the car. And from what I've read on the internet, these repairs could cost over 1k. If that's the case, would they just say that we need to pay the deductible and they'd fix it? Or would they write me a check for the repair amount? If someone could answer I'd really appreciate it. Thanks"


"I am going to buy a car which has been declared a right off by the insurance company,how will this affect me?"
I am going to buy a car which has been declared a right off by the insurance company,how will this affect me?"


What is the best way to insure a car with a salvage title?
I recently purchased a car with a salvage title. This is my first car, and I'm in deep enough that it wouldn't make sense to get rid of it at this point. I would like to get collision insurance on it if possible. Really, there are a couple questions here: *NOTE: I live in Ohio. I'm not sure the answer to this question will be the same in all states. Can I have a car with a salvage title retitled with a clean title through some sort of govermnent inspection? If so, how would I go about this? Is there any way I can get collision insurance for my car? Will insurance rates be higher for me? Anything you can tell me will be much appreciated!"


"Health insurance at 19 when you're not a student, don't have a rich, family and are unable to work?"
I turn 19 in June, as a child of a single mother for most of my life i've been on medicaid and since I live in a red state that refuses to expand when I turn 19 that will stop. I'm unable to currently work due to mental health issues (that I'm currently getting help for) besides SSI and receiving free insurance what are some of my low-income options when shopping for health insurance? I really don't know any companies beside those i see on tv..its all a bit confusing and any help would be appreciated, thanks."


Can you get insurance on a car if the owner of the vehical doesnt allow it?
Can you get insurance on a car if the owner of the vehical doesnt allow it?


If my car doesn't have collision coverage for car insurance?
if my car insurance doesn't include collision damages (when i'm the violator), does that mean my insurance company (geico) doesn't pay for any of my car's damages?"


"What is the penalty for driving without insurance on a motorbike, as i feel it was a genuine oversight?"
I was stopped because of a broken rear light and as it happens my insurance had expired about 4 days before. I wasn't aware that the insurance expired , i thought it was at the end of the month. I didn't receive any reminder because i had forgotten to change address with the insurance company, which was completely my fault. This is a genuine oversight on my part, but I'm not sure if they'll look at previous incident i had with my cousins car when i was a teenager about 7 years ago, i got caught driving without insurance. Probably one of the stupidest things i have done but i learned from it, but the court may not look at it like that. Should i get a solicitor and does anyone know how much they cost? Will i be suspended from driving?"


Best car insurance?
-female -19 -no traffic violations *i'm thinking about buying a 2003 Mitsubishi Eclipse GS or a Mustang. WHOS THE BEST CARRIER? are there courses or things i can do to make it lower? does the type of car make it more expensive? what car w


What is the best car insurance company in North Carolina?
Hi. So I recently moved from New England to North Carolina. I have my 2002 Toyota Camry. It was my Dad's and is still under his name. However, I want to get the title in my name hopefully by early 2014. That means paying for insurance too. I figure I'm going to have to do this soon, might as well do it now and learn more responsibility. My parents are paying for my car and their cars under MetLife. (Yes, the one with the Snoopy logo). They are paying about the same plan they did in Massachusetts. I know North Carolina has more competition in pricing and I want to shop around for a decent plan that gives me what I need but for a better price. My Mom is hysterical and doesn't want me to go anywhere else because she think NC insurance is crap. I like that MetLife gives me what I need but I'm not paying more than I have to in insurance. Sorry Mom. So my question is. What is the best car insurance company in North Carolina? Any suggestions. I would like a company that offers affordable plans but also is a reliable company when I need them. Please NO cheapo discount insurance. Here are my only two liabilities in my driving history: 1. Got into a minor car accident in October of 2011. Just a paint smear with another car. Nobody was hurt and neither car got in worse performance condition. 2. Got a seatbelt violation ticket in January 2013. (It was actually for speeding but the cop went easy probably because he saw I was wearing a suit. I was on my way to a family memorial service near the South Boston area.) Any experiences? I mean, what is my Mom worried about? I never hear in the news about people dying because they have NC car insurance. I know there is cut rate (bad) insurance out there because of competition. But there's got to be something better in NC than paying a Taxachuetts MetLife plan. (Sorry BayStaters, but you know it's true) Thank you!"


Do you have to be on someone's insurance to drive a car?
In the state of Florida, if your name isn't on a policy, can you still drive a car? I know that some insurance companies offer uninsured driver insurance, in case someone without insurance hits you. But, do you need to be paying monthly on a policy if you don't have a car of your own?"


Infinity insurance reviews?
Me and my husband are looking to change insurance companies for our cars. We currently use Geico, but it just got really expensive. We got a quote from a broker of a company called Infinity"" but I've never heard from them"


How do life insurance companies get medical records?
I've heard that insurance claims can be denied based on conflicting or misreported medical records. Let's say I take out a life insurance policy, and don't report a specialist who I saw out of my network prior to the event. Would the insurance company be able to deny the claim for that? How would they find out?