No Medical Term Insurance?
Hello everyone, Thanks in advance! I am researching online no medical term policies for myself and my husband. One of the questions ask if I have been hospitilized within the past ten years. Well I was in the hospital for tests 12 years ago. I feel funny about answering no but it is more than 10 years. Will that come back to haunt me? Also, can someone explain the MIB? Is it like a credit agency? It seems from my research that it is like a medical clearining house. We have blue cross and blue shield through my husbands union. Does that mean that everytime we see a doctor or visit a hospital our information is sent to them? Also,, on their web site it says records are purged in 7 years. Even though we are both very healthy, I would hate to think that the MIB has record of every stinkin test or doctor visit I have had? So anything after 7 years is not on the mib. Can someone also explain what a contestibility clause is?Thanks again,

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