WafflesMcGhee
New Member
- 2
Title says it all.
Now for the really stupid part:
I voluntarily entered a rehab for alcohol 4.5 years ago. I do not have a criminal record and work as a mechanical engineer. Unfortunately the weekend before I entered treatment I went all out and tested positive for some harder drugs (coke, Xanax, and amphetamines from scripted adderall) on intake. In my entire life I've only done coke a handful of times and popped Xanax out of opportunity.
I was quite intoxicated on intake and was essentially told my addiction would need to be severe to be covered by insurance in the inpatient program since I had not done outpatient before. Wanting help I exaggerated my intake form a bit to make sure I was accepted and got the help I needed.
I problem drank for about 6 months due to a funk I fell in after losing my entire immediate family in a car wreck. However, when asked on intake I said it had been a couple of years.
I've been sober for 4 years coming up in August and I'm expecting my first child later this year. I am wanting to get 25 year term coverage. I've changed health insurance multiple times since treatment with job changes.
How far back do life insurance companies go with medical records?
How do they pull medical records?
What happens if I do not disclose? Can they find the treatment from an old insurer?
Will they see my exaggerated intake form or just that I sought treatment?
Are my session notes with the psychiatrists and therapists confidential?
Thanks
Now for the really stupid part:
I voluntarily entered a rehab for alcohol 4.5 years ago. I do not have a criminal record and work as a mechanical engineer. Unfortunately the weekend before I entered treatment I went all out and tested positive for some harder drugs (coke, Xanax, and amphetamines from scripted adderall) on intake. In my entire life I've only done coke a handful of times and popped Xanax out of opportunity.
I was quite intoxicated on intake and was essentially told my addiction would need to be severe to be covered by insurance in the inpatient program since I had not done outpatient before. Wanting help I exaggerated my intake form a bit to make sure I was accepted and got the help I needed.
I problem drank for about 6 months due to a funk I fell in after losing my entire immediate family in a car wreck. However, when asked on intake I said it had been a couple of years.
I've been sober for 4 years coming up in August and I'm expecting my first child later this year. I am wanting to get 25 year term coverage. I've changed health insurance multiple times since treatment with job changes.
How far back do life insurance companies go with medical records?
How do they pull medical records?
What happens if I do not disclose? Can they find the treatment from an old insurer?
Will they see my exaggerated intake form or just that I sought treatment?
Are my session notes with the psychiatrists and therapists confidential?
Thanks