About ten years ago I
accidentally found out that I had Hep C. I really did not know what that
meant at the time. The years have passed by and I really hadnt thought
about it much. Within the past two years I have become self employed.
Being self employed has its limitations. I no longer had an employer to
provide me with health insurance. I found an insurance broker and he began
the search for a company who could offer me coverage that I could afford.
Of course when I filled
the paperwork out I did not mention the Hep C because I have never felt
bad or needed any help medically and there was the fact that I knew I
would be refused by any insurance company if they were to discover my
well kept secret. I have had my own personal health insurance now for
about seven months. I went to see a specialist about some possible
depression or menopause effects. I was not sure what I was going through
and regular doctors are always willing to doll out the meds without really
knowing what the problem is. I try to be careful with meds and the impact
they can have on the liver. I confided in this psychiatrist that I
had Hep C and to please not give me anything that would be hard on my
The insurance company got my records
from her and discovered that I had Hep C as well as other personal facts
that are extremely damaging. They have asked me to sign forms that give
them access to other medical records. If I do not supply the signatures on
the forms they have threatened to make me responsible for every medical
bill I have acquired since I began seven months ago. I felt exposed and
angry that my privacy was now public knowledge and I would probably not be
able to get health insurance on my own again. I am thinking of the letter
I will write in response but I feel hopeless. I have not been tested in
the years that have passed, I only know that I don't feel bad but it won't
matter to an insurance company. It will be interesting to see what happens
next. I am approaching my 46th birthday and don't know what I will do for
The opinions expressed on
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misconstrued as medical advise.
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March 20, 2012