How does a health insurance company verify information pertaining to past medical history Can they find out everything even if you dont disclose it so how?

Health insurance companies use a variety of methods to verify information pertaining to past medical history. Some of these methods include:

* Medical records: Health insurance companies may request your medical records from your doctors, hospitals, and other healthcare providers. These records can include information about your past illnesses, injuries, surgeries, and treatments.

* Claims history: Health insurance companies may also review your claims history to see what medical services you have received in the past. This information can help them identify any pre-existing conditions that you may have.

* Credit reports: Health insurance companies may also check your credit report to look for any unpaid medical bills. This information can help them assess your financial risk.

* Interviews: Health insurance companies may also interview you about your past medical history. This interview may be conducted in person, over the phone, or online.

Health insurance companies can find out a lot of information about your past medical history, even if you don't disclose it. This information can be used to assess your risk of developing future health problems and to determine your premium rates.

Here are some tips for disclosing your past medical history to a health insurance company:

* Be honest and complete: Provide all of the information that you can about your past medical history, even if it is sensitive or embarrassing.

* Use clear and concise language: Make sure that your answers are clear and easy to understand.

* Be prepared to provide documentation: If you have any medical records or other documentation that supports your past medical history, be prepared to provide it to the health insurance company.

By disclosing your past medical history, you can help the health insurance company to assess your risk of developing future health problems and to determine your premium rates accurately.