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Wed, 21 Apr 2004 20:07:49 EDT
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<<Disclaimer: Verify this information before applying it to your situation.>>

There doesn't seem to be a definitive answer to the question of whether or 
not to disclose Celiac.  Although the policy I'm being added onto is a group 
policy, (Anthem Blue Cross/Blue Shield) they do make you fill out a "family 
history" which includes preexisting conditions.  Here are some of the answers I 
received...
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Absolutely, if you were officially diagnosed. If you don't they can cancel
your coverage. 

I don't put it on my Insurance forms... It's been years since I've had any 
problems with anything. I'm going to be 56 years old very soon.

I wouldn't say a word about it.

It's more likely to slide under the radar if listed as "gluten intolerant."  
It's the truth and since your are treating it seriously by avoiding gluten, 
you are healthier than those who are remain undiagnosed.  

I hate the term celiac 'disesae' which has all sorts of negative 
conotations...I prefered the olden days when it was celiac-sprue, just a the name for a 
condition that was treated by avoiding certain foods, just as lactose 
intolerance is.

Oh, yes.  You can start the dialogue now.  If you don't disclose, they will
get copies of your medical history the first time they start to pay a claim
and the DX is there

If you are aware of it and do not disclose it, they may choose not to cover
any treatment due to it.  If you had health insurance previously, the
Insurance Portability Act should protect you.

If you must disclose, I would simply indicate that I had a wheat allergy.
This way, you're not saying the word disease. But you're telling the truth.

I don't think they would ask you any health questions because there shouldn't 
be any, if it is group insurance.  

Many of my Celiac friends just list "wheat" under allergies.  It seems to 
make a big difference in that they have not been refused insurance or been put 
into a higher premium pool because of a wheat allergy.  On the contrary, some 
policies have problems if you list the actual words of Celiac Sprue.  

*Please provide references to back up claims of a product being GF or not GF*

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