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Proper disclosure of hypertrophic cardiomyopathy for medical insurance purposes


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jcyhong Went to college in New Jersey, wroked for 3 years in New York and moved to California 30+ years ago. Find out more about jcyhong
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  • Proper disclosure of hypertrophic cardiomyopathy for medical insurance purposes

    Two and a half years ago, I became eligible and signed up for Medicare insurance coverage during the guarantee acceptance period. I now have AARP United Healthcare Medicare Supplement coverage. At the time I applied, I did not disclose that I have hypertrophic cardiomyopathy.

    Last month, I applied to switch Medicare Supplement insurance to a health-underwritten coverage with Anthem Blue Cross and was denied. Even though I also did not disclose my HCM condition again, they have this medical information in my history files. A couple of years ago, when I was first diagnosed with HCM, I had Anthem Blue Cross coverage.

    My questions:
    1. Can medicare supplement plan insurers (such as Anthem Blue Cross) deny my application for health-underwritten coverage due to HCM? I suspect the answer is likely YES.
    2. Since I did not disclose HCM 2+ years ago when I applied for AARP United Healthcare Medicare Supplement insurance, am I in danger of denial of benefits?
    3. If answer to #2 above is YES, is there a way for me to revise my application (and disclose HCM) to AARP United Healthcare since I had applied during the guaranteed acceptance period and this information might not have made any difference.

    I did not intentionally hide my HCM condition in my Medicare application. Since I have non-obstructive HCM and have no symptoms, I simply forgot to disclose this condition.

    Please advise.