Alison,
I understand your concern and hesitancy about my advice. Fraud constitutes making a false statement. This is more of what I intended to say:
If you have HPV and have had normal pap smears, PLEASE apply for insurance before you have your next pap smear. Then you will not be making a false statement. This is the exact wording on the application:
_____
Have you or an applying family member received treatment or professional advice, or experienced symptoms related to: Female reproductive system -- such as: breast problems; breast implants; adhesions; abnormal bleeding; amenorrhea; miscarriage and/or abortion; endometriosis; fibroid tumors; abnormal Pap test; problems of the ovaries, uterus and associated female organs; in-vitro fertilization; infections, genital warts, herpes, syphilis, or other venereal disease (except HIV infection); or is either the applicant, spouse or domestic partner whether or not listed on the application, being treated or been treated for infertility within the last 24 months?
_______
As said earlier, if you have HPV you would have to check this box, but they will not deny you if you've had 2 consecutive clear pap smears.
Paying out of pocket for tests is not unethical, it's being proactive. This practice is very common in large corporations. They offer employees complete blood work at health fairs. The results are private and go directly to the employee so they can be proactive in turning their health around with diet and exercise before they have their physicals on public record.
I'm sorry if you thought my advice was in any way illegal or fraudulent. Insurance companies are very uncaring about HPV, they would not call my daughter's doctor even when her colposcopy showed no abnormal cells because she has high-risk HPV. This has been very upsetting and frustrating. Just recently I became aware of the certificate of credible insurance that I received during my layoff. It protects one from pre-existing conditions IF they go onto to another insurance within 63 days of loss of coverage. This paperwork is worth it's weight in gold. If one gets coverage through work (group coverage), this paperwork can waive the pre-existing condition clause--it's your right.
Comment Reply
Alison,
I understand your concern and hesitancy about my advice. Fraud constitutes making a false statement. This is more of what I intended to say:
If you have HPV and have had normal pap smears, PLEASE apply for insurance before you have your next pap smear. Then you will not be making a false statement. This is the exact wording on the application:
_____
Have you or an applying family member received treatment or professional advice, or experienced symptoms related to: Female reproductive system -- such as: breast problems; breast implants; adhesions; abnormal bleeding; amenorrhea; miscarriage and/or abortion; endometriosis; fibroid tumors; abnormal Pap test; problems of the ovaries, uterus and associated female organs; in-vitro fertilization; infections, genital warts, herpes, syphilis, or other venereal disease (except HIV infection); or is either the applicant, spouse or domestic partner whether or not listed on the application, being treated or been treated for infertility within the last 24 months?
_______
As said earlier, if you have HPV you would have to check this box, but they will not deny you if you've had 2 consecutive clear pap smears.
Paying out of pocket for tests is not unethical, it's being proactive. This practice is very common in large corporations. They offer employees complete blood work at health fairs. The results are private and go directly to the employee so they can be proactive in turning their health around with diet and exercise before they have their physicals on public record.
I'm sorry if you thought my advice was in any way illegal or fraudulent. Insurance companies are very uncaring about HPV, they would not call my daughter's doctor even when her colposcopy showed no abnormal cells because she has high-risk HPV. This has been very upsetting and frustrating. Just recently I became aware of the certificate of credible insurance that I received during my layoff. It protects one from pre-existing conditions IF they go onto to another insurance within 63 days of loss of coverage. This paperwork is worth it's weight in gold. If one gets coverage through work (group coverage), this paperwork can waive the pre-existing condition clause--it's your right.
August 23, 2009 - 6:20pmThis Comment
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