They do not care if you forgot. If you don't disclose, it is seen as a deliberate omission to obtain coverage. The insurance company will most likely refund all your premium and rescind your policy, They will also take back all the money for medical bills they have paid and you will be responsible for all your medical from the date they started paying. Once you have your MRI, they will do the investigation on your knees and find out they were not disclosed and are pre-existing. There isn't any way around it whether you tell them now or not. Plan to pay all your medical bills. When you go to get new insurance, there is a question on the application that asks if you have every had a policy rescinded, you will also have to answer yes to this.


I am sorry to be the one to tell you, but you should know.