I will be leaving my employer soon and will need to apply for individual health insurance eventually. Is there anyway an insurance company could find out what I have seen the doctor for previously if I do not release any of those medical records?
I understand insurance companies can obtain information from the Medical Information Bureau. So besides the Medical Information Bureau and whatever records I authorize to be released to the insurance companies, can they find out any more medical information about me when I apply for insurance?
The simple answer is if you used an insurance plan to pay for you illness then they know about it.
Lets say you paid cash:
most insurance companies generally let you in with minimal underwriting, once you file a serious/expensive claim then the true underwriting begin. Now they will generally have access to all your files since you want them to pay up. They will go over everything with a fine tooth comb. If they find anything that was not on the application/omitted they have a legal right to cancel your coverage to day one- as of your policy never excited or just not pay.
The kicker is that most insurance companies will generally take some conditions if they are disclosed on the application. A good broker should be able to look at your issues and guide you to the right carrier.