If I think I may have a disease and want to get health insurance?

If i get insurance and then go in right away will they be able to void the policy? If so how long would i have to wait?
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All insurance companies will view this as a pre-existing condition. They consider pre-existing conditions as a condition that you've received medical treatment, consultation, or advice, or that a "prudent person" would seek medical treatment, consultation, or advice. The fact that you're asking this question means you are a prudent person and so the policy would be rescinded. Many pre-existing conditions can be covered after 6 - 12 months if you disclose the condition, depending on your state. However, many questions they ask on the application go back 5 to 10 years. You may get answers here concerning discount cards. Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed nor insured. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of "save up to 80%" be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn't find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards as well. Before signing up with any discount plan get a list of doctors. If they won't give you a list consider it to be a scam. Call the doctors on the list to make sure they're still taking the card (many don't even know that they're listed as a provider) and that they're accepting new patients.
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