As someone who works for one of these "crooked" companies, if you have a chronic illness, that's going to be hard to hide, if it's hidden at all. We might not have all the details, but we know which drugs you're taking, how often you visit the doctor, which services we're being billed for, what surgeries you're having, etc. That's like saying "You can't guess which coin is in my hand, but I can tell you it's not a penny, dime, quarter, half-dollar or whole-dollar". We don't just get a bill that says "you owe us $80,000 for 'none of your damn business'" and pay it. That's absurd. We also have staff that help those with Chronic Diseases. If you have diabetes for example, we will discover that (it will be shared with us legally) and you're likely to have someone contact you in an attempt to help you better manage your disease (all free of charge). Sure, that helps bring our costs down. But it's also a fantastic benefit for those who accept it.
Your theory that ALL insurance companies are crooked and out to screw you however we can is a complete joke with absolutely no evidence to back that up.
I'm so glad you responded. I've been wanting to tell one of you vultures "how it is" for SO long, it's not even funny. Yes, ALL insurance companies are crooked - including the one with which you are employed. They (insurance companies) do anything and everything they can within their power, moral or immoral, to save a damn dollar for the company. It's all about boosting that profit margin at the expense of the insured. You know it... and I know it, too. Insurance companies like to play God... and it's wrong. It's just plain wrong, brother. I don't need to, nor will I, give specifics on cases I've had to deal with - I'm legally obligated to non-disclosure. However, rest assured, I work for a "business" that doesn't like you people very much. We have uncovered so many immoral cases of non-payment and coverage denial that I bet it would make EVEN YOU cringe and then make you step back and completely rethink the business you're in right now. You wouldn't believe some of the crap I've seen insurance companies try to pull!
Secondly, I did say "previously unknown chronic illness". Meaning... *nobody* knew about it previously, including both my doctor and the insurance company as well as myself, for example. So, there's no way you can use your "process of elimination" example with MY example. The illness was "previously unknown". If you're not sure what that means... Google is your friend. It helps (a lot) to thoroughly read what someone posts before responding, you know.
Thirdly, I originally was referring to exposure of detailed information that would be gathered by the Apple Watch... not what's already in someone's medical records sitting in a doctor's office. I'm talking about very specific, personal information such as... how many times my heart rate rose above 110 beats per minute within twenty-four hours. If insurance companies thought they had a way to get their grimy little hands on that information to help determine one's potential profit/risk ratio, they would stop at NOTHING to get it. Do you know why? Because ALL American insurance companies are crooked... and nothing more than carefully thought-out and curated money machines that take advantage of the insured in any way that they legally can get away with. YES... YOURS TOO.
I don't give a darn what you say... you work for a CROOKED industry - period. And, yes, I have seen all of the PROOF anyone could ever want or need to see. Unfortunately, I'm not allowed to share that information publicly because of legal obligations within my profession. However, it doesn't surprise me in the least that someone who makes their living from trying to give back the least they can is opposed to my assertion that all insurance companies are immoral, crooked money machines. I will spend the rest of my able-bodied days fighting you people to get honest, hard-working people the services and coverage they paid for, were promised, and deserve!