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How does a new insurance company know about my past prescription history?

I applied for an individual medical policy with Aetna and went through the phone interview today. The representative asked me about prescriptions I had taken a couple years back and he knew the prescribing doctors names, etc. I never disclosed any of this info when I applied. How would they be able to attain such info?

Public Comments

1. Odds are very high that you did sign a release form of some kind that allowed them to obtain a copy of your medical records.
2. Oh, man, you lied on the application by not disclosing it. There's a medical claims clearinghouse, called Medical Information Bureau, and whenever a health or life insurance application is submitted, the carrier can double check what you said, with the MIB records. You got busted. Expect the application to be declined, for the lie on the application. Oops.
3. you got a problem. if Aetna should accept you and in the future you have a medical problem in regards to the RX you took, they could deny any claim or void your policy for misrepresentation. when you completed the application it gave them permission to get your medical records. the doctors names etc confirms this. good luck
4. Immediately send them an email, followed up by a letter, in which you withdraw your application before they have a chance to deny it. If they deny it, you will have to disclose this info when you apply to another company and they will deny you also.