Insurance Exams Necessary for Coverage

I am getting new health insurance and was told that this insurance company requires each person to have a yearly exam in order for insurance to continue each year...

Anyone know of similar requirements?

No. Insurance companies do not make money by turning people away. They would rather take your (or your employer's) money, hope you never have a (large) claim and if you do, find some reason to deny coverage.

For insurance, I've only had exams for high dollar life insurance policies. Both were conducted by nurses. One was a personal policy and was done at home, the other was purchased by my employer and was done in my office. They were both pretty tame; lots of questions, no clothes removed and pee in the bottle (unsupervised).

To require it or not to??

I wish they would all do it .Better chances to get to know a doc. what if a yearly found something that could be hazardous if not kept in check . I think if more had them there would be less medical waste of money time and even life . :😃 :😃 :😃 :😃

Personally I think this would be a much healthier country if health insurance companies didn't charge co-pays for yearly checkups. Research has found for preventive maintenance people are a lot less likely to go if they have to pay a copay, even if its tiny. If there are no co-pays for it, more people would go and problems would be discovered earlier, and would usually be cheaper to treat since they are caught early, saving the health insurance company money. I'm also all for having at as a requirement for health insurance.

We dont need med insurance in the uk,lucky really to have such good and free care

Only free in the sense that taxes are paid into the system so that it can be called "free". Doctors and hospitals and nurses and medicine are not free. So when people from other countries(other than the US) talk about free healthcare, it excites those in the US who dont have insurance to think that healthcare is free. Might be a great system, but its not free.

Far from free - this is so true. Both systems have their positives and negatives. I can say that having lived under both.

This will be the most talked about subject in the US this year. The idea that some people have that if there is a government run healthcare system, that it means "free". I'm glad you put that idea to rest.

Well said Arnie and Angela but you miss an important point.

I live in Canada and we have government (tax dollar) funded health care. It sucks!

You will wait two weeks to a month for an appointment with your FP; if you're able to find an FP/GP who is taking new patients. I suppose you need to be able to predict that far in advance when you're going to get sick. For more time consuming elective procedures such as complete physicals expect to book three months in advance.

If you need to see a specialist of any kind three to six months is the norm.

For most diagnostic imaging CT Scan and MRI it's generally six weeks

Unless you are in imminent danger of expiring don't expect to spend less than six hours waiting in Emerg.

If anyone thinks this is working please explain it to me.

Jackie

One of the reasons that the National Health Service in the UK is passable is that so many of us have given up with it and pay for private health care.

Oh that it were free ...

Great discussion. The congress of the US is trying to ruin the healthcare sytem in the US. It would be helpful if they would join this site and read your comments. They have no clue how bad it can get. When something is not broken, better to leave it alone. Unless they think its a bad idea to pay doctors and nurses and hospitals.

I do believe they should have some type of plan for the uninssured! I am just now on insurance after not having it for the last 6 years...all thanks to my Boy friends benefits.

Agree 100% about a plan for the uninsured. Just not a government run plan.

We lived in Quebec for a while and my then 2 yr old child, hurt is arm in fall ( not broken we just were not sure ) and it took us about 6 hours to get through ER. Having said that minor checkups and dentistry went very well overall.

I have never needed to have a physical exam for insurance concerns; might be individual company or insurance pre-employment need. My current job only required a drug test which was a urine sample in a lab.