Correct re the UK, I suppose if you ever applied for private insurance in the future here then you might not be covered for alcoholism treatment but I don't think the rehab options are that useful anyway.

I am a member of a scheme that allows me to claim money back for medical treatment, only a few ££s here and there but still can be worth it. They didn't use to cover pre-existing, but have recently changed this policy and you are eligible to claim for conditions already present. Not sure if this covers alcohol problems but I'm going to look into this. Also annoying as it turns out I might have been able to claim for my trip to Dr C, seems they didn't send me the letter covering these changes........

Boy, I would certainly be surprised if getting life insurance in the UK or Canada is much different than getting it here in the US. The actuaries would use the same numbers to compute the statistics for mortality and there is no doubt that you are more likely to die if you have an alcohol problem as not having one. The question is, do the life insurance underwriters there in the UK and Canada ask to see your medical records before writing a policy. If so, you will very likely be denied coverage or be considered very high risk because of your use of Naltrexone.

Here in the US, once you release your medical records to the life insurance underwriters, any negative information is registered in the MIB database. This database is used by all life insurance underwriters and perhaps some of the private health insurance underwriters

I demanded a copy of my MIB database entry after being denied life insurance and I can attest to the fact that my Naltrexone use is registered in this database as well as statements that my alcohol consumption could lead to early dead, or something along these lines.

On a similar note, Bob3D received a letter from the Florida Department of Transportation on the subject of AL consumption and renewing his drivers license (even though he had never received any kind of citation or arrest on his use of AL). I seem to recall that this information either came from the MIB database or perhaps some kind of pharmacy database.

Bottom line is the information is out there in a database, or databases, that are not confidential. Chances are, anyone could pay some kind of fee and pull ones record from these databases.

What if it was a potential future employer or some lender evaluating your credit risk??? Not a comfy thought.....

Here is some interesting reading: http://www.consumer-action.org/english/ ... ords_2008/

Q

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