<<Disclaimer: Verify this information before applying it to your situation.>> Thanks in advance for responses. If this subject is covered in the archives, I didn't find it, or didn't know how to find it. Situation: A college student, no longer eligible for the family policy, has a student health insurance policy with a major company, which covers only accident, hospitalization, and catastrophic illness. If that student tests positive for celiac disease will there be difficulty in qualifying for health insurance when she/he enters the work-place? In other words, should tests be paid without submission of claims to insurance company so no diagnosis is logged into that person's magic number? Waynel Green, mother in Oklahoma