However, once you're on a health plan, they can ask you questions to find out if you qualify for one of the following programs:
- Disease management programs: These teach you to manage chronic health conditions, such as diabetes, heart disease or depression.
- Case management programs: These help you with serious health conditions, such as leukemia, and help get your insurer to pay for treatment.
Both programs are voluntary. You don't have to answer the questions, and you don't have to participate in the programs if you do answer.
Types of insurance that require you to answer health questions
Insurers can ask questions about your health when you buy other types of insurance, such as:
- Dental insurance
- Disability insurance
- Life insurance
- Long-term care insurance
- Medicare Supplement and Medicare Advantage plans (in some cases)
- Vision insurance
What you need to know if you're a living organ donor or considering becoming one
The Living Donor Act stops insurers from refusing or limiting coverage because you're a living organ donor.
They can't:
- Stop you from donating all or part of an organ if you want to buy or keep coverage.
- Discriminate against you when offering, giving or cancelling coverage because you're a living organ donor.
- Charge you more or change your coverage because you're a living organ donor.