Before you talk to your doctor...
I am the original poster, and I have a couple of things to add.
This was regarding life insurance. Life ins. companies have a right to know what risk they are taking when they guarantee to cover your life financially. If I die they pay out a huge lump sum. I understand that.
However, on the flip side I feel totally violated and regret going to my doctor for help. Our entire conversation was noted, and his diagnosis was "Alcoholism: Chronic, Depression: Managed" and all details of our conversation and the diagnosis was sent to the insurance company. I also had blood work done and everything came out perfect. Yet I am uninsurable because my doctor had to disclose our conversation. I am torn between feeling like I don't deserve to be insurable because of what I have done in my life, to feeling like I shouldn't be punished for seeking help!
I am thankful that I have group health insurance through my work because I know now that I will never get it otherwise.
I didn't want this topic to become political, but since some of you mentioned it, I wonder if health care is in the hands of the government in the US, will that make our medical records even more public? If life insurance companies have a right to know me because they are insuring me, will my medical records be part of the public system and then I ask will the DMV have a right to know also so they can refuse to give me a drivers' license because I may drive drunk? I just don't see how the US government can maintain a nationwide system without our records being available nationwide. For those of you in more socialist countries, I wonder, how is your privacy managed?
I may be a bit over the top in my analogies but I am just feeling totally violated.
I am the original poster, and I have a couple of things to add.
This was regarding life insurance. Life ins. companies have a right to know what risk they are taking when they guarantee to cover your life financially. If I die they pay out a huge lump sum. I understand that.
However, on the flip side I feel totally violated and regret going to my doctor for help. Our entire conversation was noted, and his diagnosis was "Alcoholism: Chronic, Depression: Managed" and all details of our conversation and the diagnosis was sent to the insurance company. I also had blood work done and everything came out perfect. Yet I am uninsurable because my doctor had to disclose our conversation. I am torn between feeling like I don't deserve to be insurable because of what I have done in my life, to feeling like I shouldn't be punished for seeking help!
I am thankful that I have group health insurance through my work because I know now that I will never get it otherwise.
I didn't want this topic to become political, but since some of you mentioned it, I wonder if health care is in the hands of the government in the US, will that make our medical records even more public? If life insurance companies have a right to know me because they are insuring me, will my medical records be part of the public system and then I ask will the DMV have a right to know also so they can refuse to give me a drivers' license because I may drive drunk? I just don't see how the US government can maintain a nationwide system without our records being available nationwide. For those of you in more socialist countries, I wonder, how is your privacy managed?
I may be a bit over the top in my analogies but I am just feeling totally violated.
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