Quote:
Originally Posted by nikosmom Since you said you filled out an application, I can conclude this is a privately purchased policy not a group plan through your employer, right? In that case ERISA law doesn't cover this situation.
Are you saying they are cancelling your policy or are you just worried that your dishonesty may come back to bite you?? Normally the period of incontestability is 2 years. |
Correct: privately purchased individual policy (high-deductible MSA).
I am not canceling, just worried that dishonesty could bite me at some point in future. I am healthy, and only used insurance once 2 years ago for routine colonoscopy & labwork (covered, less deductible). Otherwise, don't ever use insurance.
But was treated 8 years ago for a year with chemotherapy-like regimen for Hepatitis C (cured now). And treated for chemical dependency 25 years ago (in remission 25 yrs, attend AA). And did not disclose this on application.
Thanks for quick answer.