I haven’t been to the doctor in years. The last time I had a semi-exam was by the person insurance companies send out to see you before they will issue a policy. I haven’t been mostly because I have no time, but also I am very concerned about having any of my medical information documented and passed on to an insurance company.
When I applied for my first private disability policy years ago, I was denied. I have no medical problems, I am on no prescriptions, I live a healthy lifestyle, and I am clearly working. I was shocked when my broker told me that no company would issue a policy to me. When I found out why, I was even more shocked.
About 10 years prior, I had elective foot surgery. While I was seeing my podiatrist, I mentioned having issues with anxiety – for which she prescribed klonopin. It was so long ago that I’d forgotten about it.
But there it was, in her 10 year old notes that they were somehow able to obtain. A ten year old blip on the screen threatened to leave my family unprotected.
I learned a lot about the insurance industry that day. Apparently underwriters have access to ALL of your medical information which is collected and placed at their disposal. They reach back much farther than the 7 years medical professionals are required to keep your records. They have every code that any doctor ever attached to your name; and they will use it to justify denying you basic and necessary disability insurance protection.
My broker fought and fought. Finally, after 3 months, he was able to get a policy for me – with a rider on it.
Ever since, I have been extremely reluctant to go to the doctor. They are required to document codes to get insurance companies to pay their companies back for the work they do all day and night. Sometimes the codes are accurate, sometimes they are placeholders including symptoms and verbiage to explain what we think you have while an evaluation is underway (otherwise the needed diagnostic studies will be denied by your insurance company). Either way- whatever is written sticks to you.
So when I got a letter in the mail regarding Dr. Megan Gannon dropping insurance for a membership practice, I decided I would make an appointment with her.
We will be adding an option for our patients that want full privacy in the near future, for a limited time. Probably 3 months. I figured I can’t be the only person that needs this in Franklin. If people like the option, we will keep it. Dr Horton will see these people, and I will continue as usual.
Give me your feedback and check back soon.