You should always disclose all medical conditions.  There are many reasons.  First, you may think you have a medical condition which will cause you to be denied.  However, all carriers have different guidelines for approving and declining coverage.  You may be able to apply for a policy and be approved even with disclosing your medical condition.  Secondly, there is an entitiy called the Medical Information Bureau (www.mib.com) which health insurance companies use to detect fraud.  Often, they catch it when medical conditions are not disclosed either causing the application process to take longer or causing the application to be rejected.  This leads us to the final reason to disclose medical conditions.  It is considered fraud to not tell the truth on an application for health insurance, and it is illegal to defraud a company when entering into a contract with that company.  Essentially, if fraud is detected, the contract is considered invalid.  Your policy can be rescinded which means you will have any premiums paid returned to you, and the company will take back any monies they paid for claims and will not provide any coverage for you.  It is as if you never had coverage.  So, be honest with an agent up front.  Use an independent agent you trust.  Let them research all the companies in Texas to see if there is one who will offer you coverage.  At the very least, you'll get an honest answer and know all your options.

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