Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

Maybe disclose your bk, But What About Medical Records?

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • Maybe disclose your bk, But What About Medical Records?

    I am presently looking for part or fulltime work to supplement my income. I am allright with disclosing my bankruptcy (if I have to, because a credit check may be run) but what about medical records?

    I recently made the mistake of mentioning to my Primary Care Physician, that I have attended meetings of a certain 12 step group. I found this out because at the medical center I use, when you make a new appointment, they sometimes hand you a printout of recent test results, or comments from your physician.

    This doctor mentioned that this certain "illness" appears to be in remission. Then, by the way, I have never been treated by her or anyone else for this "condition," never missed work or had any legal troubles because of this problem. You could also say the last time this "condition" could have been called "active" with me was over 30 years ago!

    I am presently looking for a new physician, but does anybody know how to get something taken off a medical record? I have not been employed outside of my family's enterprise for years, but now I feel that everything is against me before I even start.

  • #2
    I guess I don't understand. I've been to 12 step meetings and I don't have an "illness". People go to these meetings for all kinds of reasons not just because they are addicted. It sounds like you may have disclosed to your doctor that you were going due to having a problem. Nevertheless, this really is not any prospective employers business and they can't get a hold of your medical records without your permission. There is no reason to disclose anything except if you need accommodations to do the job you are applying for. Even then they can't deny you employment based on that.

    I know that people have differing opinions on this but unless an employer specifically asked on an application and there was a good reason to do so about my bankruptcy I wouldn't offer up that information either. Unless you need to be bonded there really isn't a reason why an employer shouldn't hire you due to a bankruptcy. Just my 02 on the whole situation.
    Filed 11/17/11 Chapter 13, 341 meeting 12/21/11. Plan confirmed 1/19/12 - DISCHARGED 12/16/15

    Comment


    • #3
      The The Health Insurance Portability and Accountability Act of 1996 (HIPAA) prohibits any medical person from disclosing any information about you to anyone else. Even your spouse cannot be told of your medical condition without your specific permission. We had an insurance question regarding my recent fall, and I wanted 'Hub to talk to the hospital billing department. But the person would not talk to him w/o me sitting right there, stating that I gave my permission.

      Here is a link to more information on HIPAA:

      http://www.hhs.gov/ocr/privacy/index.html

      As far as getting anything removed from your record, I don't think you can. When I was having problems trying to buy health insurance after my COBRA ran out, because the insurance companies DO look at your record, which state only that you have XX pre-existing condition, but they don't list degrees of condition. I have several pre-existing conditions, that are very, very mild for which no treatment is necessary, but I still got turned down for insurance because I had them. And I could not get them removed from my record, because I actually have the conditions, or had had treatment in the past.

      This is what was explained to me by my primary care physician, when I made an appointment, expressly to talk with him regarding my problems in getting health coverage.

      I realize that this may be a little bit different than your situation. I hope this helps.
      Last edited by AngelinaCat; 02-07-2012, 06:28 PM. Reason: grammar and spelling
      "To go bravely forward is to invite a miracle."

      "Worry is the darkroom where negatives are formed."

      Comment


      • #4
        Thanks for the replies. As I said before, I'm looking for another physician, this one really is a jerk. I swear she looks for things, to jump all over, maybe to make herself extra money or she's deathly afraid of being sued. Once I mentioned some mild condition, that I had when I was 14 years old, something that I was tested for 5 years ago, and told by the specialist not to bother re-testing this for another ten years from that date. Of course she insisted I should be tested again since I had something many years ago and though I've had no trouble since (of course I didn't bother.)

        Anyway, I just don't get a good feeling about this woman. Ever since, I've had decent health insurance, for about a year now, it seems she has been itching to order any test she can think of.

        Then I know about the HIPPA act, but the only problem is that medical records, seem too much like credit reports. I'm afraid that if a prospective employer asks for access to either one, and you deny them, it just looks like you're hiding something. Too, if you allow access and they don't like what they see, of course they can claim they didn't hire you for another reason.

        I'm lucky to be in this state for health insurance, though. I don't believe that insurers here can deny people for pre-existing conditions.

        Comment


        • #5
          lillymarlene, I have never been asked by a prospective employer for authorization for them to access my medical records. Have you? Has anyone else here? The only medically related questions I have ever been asked is if I smoke and if I can lift a certain amount of weight.

          I don't think you have anything to worry about.

          Also, a good doctor will write down everything you tell them in your file. If you don't want something in your file, don't tell your doctor.
          LadyInTheRed is in the black!
          Filed Chap 13 April 2010. Discharged May 2015.
          $143,000 in debt discharged for $36,500, including attorneys fees. Money well spent!

          Comment


          • #6
            The only place you will have to disclose any previous medical history is to a new doctor or dentist for your own health and their care reasons or if your medical records are subpoenaed for for any reason, say, a personal injury or other lawsuit matter. No employer will ask for that information and if they do, it is against the law and you do not have to disclose anything. No employment application will ask for your past medical history. That information is all protected under the privacy laws mentioned above in the other posting(s) and cannot be disclosed or shared with anyone without your express permission.
            _________________________________________
            Filed 5 Year Chapter 13: April 2002
            Early Buy-Out: April 2006
            Discharge: August 2006

            "A credit card is a snake in your pocket"

            Comment


            • #7
              Thanks Lady and Flamingo. It does put me a little more at ease, if medical records are not something commonly asked for.

              Comment

              Unconfigured Ad Widget

              Collapse
              Working...
              X