When was the last time that you looked at your own medical records??? You should always have a copy of your own records especially if you are healthy. Here is why.
1. Underwriting for any kind of insurance. This is includes...medical....life...disability. Why? Your records and how they are worded determines the price that you will pay for the insurance...if you qualify. And you may not think that certain issues will affect price however they do. Here are a couple of examples...
a. Do you smoke? We all know how stupid it is to smoke at this point however if you smoke and have asthma it is an automatic decline for long term care insurance...disability...life.
b. Are you grossly over weight by insurance standards? If you are you will pay quite a bit more and be restricted in what you may purchase for all insurances even if that is your only issue. I know you have a right to look exactly how you look however being grossly over weight is a true health hazard.
2. Is there something in your records that should not be there or is written incorrectly? This happens often as well and can influence everything. An Example...Years ago I had a client applying for long term care insurance and his records stated that he had issues with his arteries and he was a smoker so this was crucial.
He swore that it was not true and he had no idea why the doctor wrote this. I had him see the doctor and go a for test to prove that is was written incorrectly. We then were able to get him his coverage of which he is using today. In today's times you will see your doctor for approximately for 20 minutes at your appointment. She or he is not the navigator of every aspect of your care....you are. The doctor is in a rush to see as many patients as possible within a specified time. They would like to practice medicine differently however most will tell you that times have changed in that regard. Speak up and out of your comfot zone...this is your life!
Không có nhận xét nào:
Đăng nhận xét