Reply to Who knows that you take antidepressants or anti anxiety meds?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]Only those who need to know for medical reasons- doctors, etc.  [b]Unfortunately that includes life insurance companies, who will use the fact that you have used antidepressants to deny you coverage.[/quote][/b]

OP here - will (can) they really deny you? Or will they just jack up your rates? [/quote]

Not the PP, but yes.[/quote]

They will flat out deny a new application.  [/quote]

OP, I don't think this is true - you may have to shop around more, and you may get a higher rate, but I don't think you'll always get a blanket denial.

More importantly, don't let this derail you now.  If you feel you need the medicine, then give it a chance to help you.

As you can probably tell, I have BTDT.[/quote]

Of course it's up to the company.  But denial is unfortunately common.[/quote]

OP here. Of course, now I'm freaking out. I have good life insurance through work, but was looking to get a private policy to supplement because our kids are young.  I've even have the card of our local insurance guy. Just needed to call him back.

I wish I had known this before I got the rx filled or even mentioned it to my dr. I've lived with anxiety my whole life (and with all the stomach issues other wonderful symptoms that goes with it). As much as it sucks, if I had known the cost, I would've just found more time to run, which is what I've done to relax.

I haven't taken the medication. Does this matter at this point? Can I simply decide not to take them, never refill and get the policy set up. Then revisit medications ne t year?  I've googled and it seems like there are insurance brokers who specialize in medically impaired applicants, so there is a possibility to shop for a company with a good rate?

Needless to say, this revelation isn't helping my anxiety issues. [/quote]

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