Can a health insurer cancel your policy for refusing to get a screening mammogram?

A health insurance company keeps harassing me with letters and robocalls to get a mammogram. The last call asked me to call them and the automated call started asking if I planned to get one. When I pressed the option for no, then they wanted me to select a reason from a menu and at that point I hung up. I know the next call will be from a person asking the same questions. I have done my independent research and realize there is a great controversy about the risks and benefits of mammograms for women in their early 40s. What they are doing is coercive. This is a fee for service plan not an HMO.

Asked on November 10, 2011 under Insurance Law, New Jersey

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 9 years ago | Contributor

Whether or not one's health insurer can cancel an insured's plan for refusing to get a screening mammogram depends upon the terms and conditions of one's insurance policy. Most likely your policy may not have such a provision since you have been getting automatic calls regarding a screening for such.

There are also personal choice issues as well on your part about having such a test. Even if your insurance policy had a provision stating you had to have a mammogram, the provision most likely would be in violation of certain medical ethics in your state and across this country as to forcing someone to have a procedure that he or she may not want.


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