TLDR: felt chest pain for several days, urgent care said my EKG was problematic, called paramedics who agreed, took me to ER, doc thought I may have pericarditis. Blood work + chest xray + later visits with cardiologist (stress test etc) prove it was a complete false alarm.
How do I communicate this to health insurance company properly? “Yes please pay for those bills but also they turned out to be for nothing, thanks.”
Or am I overthinking this, and don’t actually need to clear the air with the insurance company. IMO they will see a slew of cardiac related tests and follow up visits and assume the worst. Logical.
Thanks to the Affordable Care Act (Obamacare), insurance companies can only set premiums based on age, location, family size, and tobacco use. They can’t deny future coverage for anything labeled as a “pre-existing” condition, so your health record doesn’t affect future care. This applies to all U.S. health insurance plans, not just marketplace ones. Go Obamacare!
Health insurance - no action needed. Leave it alone.
Life insurance - could make some of the questions interesting but is explainable in the record and only applies for future policies. May require sending life insurance records - ie for question of have you ever been diagnosed with a heart related condition ans er may be yes but record will show it was a non event.
It’s not possible to redact specific events from medical records, as they are meant to be accurate and complete records of your health history. you can ask your healthcare provider to add a note or amendment clarifying that it was a cardiac false alarm. This helps to explain the situation more clearly if insurers review your records.