I recently applied for and got an Aetna HSA policy. They went back 10 years like most of the insurers mentioned here. No "have you ever" type questions except that they did want to know if you had ever filed a workmen's comp claim, I think.
Based on my health insurance application experience, I will always maintain up to date health records and keep them in my possession. When I switch doctors or move, I will proactively order the medical records of my old doctors. My medical history was pretty simple, but there was no way I could have accurately filled it out without the records.
Better to think of medical records like 1099s and W-2s, except that you only get them when you ask for them.
I am scanning in my records for archival purposes, also. Although I consider the paper copies the most important.
Kramer
Based on my health insurance application experience, I will always maintain up to date health records and keep them in my possession. When I switch doctors or move, I will proactively order the medical records of my old doctors. My medical history was pretty simple, but there was no way I could have accurately filled it out without the records.
Better to think of medical records like 1099s and W-2s, except that you only get them when you ask for them.
I am scanning in my records for archival purposes, also. Although I consider the paper copies the most important.
Kramer
