Have you ever wondered why the cost of your insurance is so much greater than your friends or family or people you know who are the same age? Maybe that insurance agent you asked for a quote know something about your health or background but you did not disclose. How would they know such a thing? I call it a black list database,
It could be that insurance companies collude, and keep a black list of everyone they know and what their medical history is. This would be illegal of course but hey, we’re living in a time when big business can do whatever they want.
Over my lifetime of buying various insurance policies, which is more than 40 years I have asked dozens of insurance agents brokers and independent companies whether there is such a thing as a blacklist database that they share. Of course everyone I have asked is answered with an emphatic no! That would be illegal! we would never do such a thing. Quite frankly I don’t believe them, and here is why.
Background
I grew up in Colorado, and after graduating from college I moved east to Virginia period around the same time my sister who’s just a couple years older than I am moved to Texas. we both returned to Colorado about four years later, and both of us were married. My sister got there earlier than I did, and went ahead and purchased some health insurance. She got such a good deal that she recommended me to the same broker, but since it was a month or two between her policy and mine, the broker was not aware that she and I were brother and sister. When I got my quote back for the same Coverage, it was almost triple the cost of my sister and her new husband. I was shocked to find this out and called the insurance broker, who said those are just the basic rates. When I asked about why it was more than triple what my sister paid, he hemmed and hot and made up some excuse that I don’t remember anymore.
Strike One
Not long after returning to Colorado, my wife got a job.I decided to start my own business, so went ahead and re-applied for health insurance from yet another broker. This time, the rate asked of Me was about half of what my sister and her new husband were paying. What was the difference? My wife was no longer part of the equation. It wasn’t until later in life that I found out my wife had epilepsy. It was nothing that she ever discussed with me or anyone else that I was aware of, and she kept her prescription a secret.
I gave no more thought to this incident, and went on with my life. And then a few years later I had my first child and applied for some life insurance. This time I used a college buddy, thinking that I might get a better rate and his quote for me was an exceptionally low price. but when I went and submitted blood for that final test, he called me and said that he would not be able to give me coverage. He told me I needed to go see a doctor. Right away. I asked him what was wrong and he said oh nothing the doctor will tell you. Well,
Strike Two
I was very busy with my business at the time so did not see the doctor for a couple months. Meanwhile, my health insurance rates almost tripled. I called my health insurance company and asked why my rate went up, and they said oh! the open period of enrollment is coming up and we’re just readjusting everybody’s rate. I called my sister and asked her if her rate went up, and she replied heck no little brother, it actually went down a little bit.
At this point, I decided I needed to go see the doctor. The following week, I was Diagnosed with hepatitis C. This got me thinking. How did the health insurance company know that I was sick before I did? My conclusion, was that there must be some blacklist database that insurance companies share so that they aren’t taken advantage of by people who are sick. I reflected back on the health insurance I tried to buy with my wife, and realized they must have used the same blacklist database then, as they did on me now.
Fast forward a few more years, and the results from my naturalpath’s blood test came back with problems. Again, since he is not an official doctor, he told me to go visit my regular doctor. He would not tell me what was wrong. Before I had a chance to go see the doctor, my health insurance company called me and told me that they were canceling my policy! I said what? Why are you doing such a thing? It’s not an open enrollment period. They said that the law had changed and small businesses were no longer required to be covered by their health insurance company. I asked them when this would take effect, and they stated that I would be canceled during the next open enrollment period.
Strike Three
Obviously, I was quite upset with this predicament. Again, I go off to see the doctor, who diagnoses me with testicular cancer. oh no! here I am with cancer, and an insurance policy that is about to be canceled. I immediately called my lawyer and asked if there was anything I could do. As long as the diagnosis for cancer came in before the policy was canceled, they would have to cover my cancer.
If I wasn’t sure before, I was absolutely sure at this point that there must be some blacklist database kept by all insurance companies. and blood results feed into this database such that the insurance companies immediately know if something is wrong with one of their policyholders.?
Does this prove that insurance companies have a blacklist database that they share amongst themselves? No, this is all anecdotal evidence. but I know that I’ve been screwed by insurance companies my whole life, because of my wife and then my sicknesses which had never been disclosed to them prior to asking for quotes.
What are your thoughts? Leave them in the comments below.
