Health Insurance Connection

Jsun asked:


If a person has a condition, say a torn rotator cuff, and they wanted insurance because they didn’t have a ridiculous amount of money to repair the problem–after getting insurance (or before) and you were to go get your rotator cuff fixed, but you were denied of grounds of “pre-existing condition”, how exactly do they know this information. Say a person had lied, and said on their insurance application, “nope, im perfectly healthy”, how does insurance companies know if say, this person did go visit a doctor years ago, or had seen someone for their rotator cuff problem (pre-existing condition)…How do insurance companies find pre-existing conditions since all medical information is private–or is it…

God’s Reporter asked:


That’s the one part that confuses me. It’s a federal law that they either get insurance or suffer fines and possible imprisonment, however, the programs will be operated by the states. The reason it matters is that if they go to federal prison for not getting insurance, they must serve 85% of their time before being eligible for early release.