As a health insurance agent, people share their medical history with me on a daily basis.  Attention deficit disorder, high cholesterol, hypertension and the like are routine admissions I hear every day as a South Carolina insurance agent.  Most folks, if they have been alive for more than a couple of decades have a health issue or two.  Sharing this information with your insurance agent is important in choosing the proper South Carolina health insurance plan and carrier.  A good agent is informed and knows which carriers will accept certain health conditions and which insurance carriers will not.

Most people will freely discuss "benign" health conditions but will choose not to disclose embarrassing conditions they think are taboo such as genital herpes.  The fact of the matter is that herpes is fairly common in South Carolina and elsewhere.  One in five people in the United States has a sexually transmitted disease.  As health insurance agents, this is a diagnosis we see on a regular basis.

Your South Carolina health insurance agent has a fiduciary duty to you the client which is very similar to doctor patient confidentiality.  In fact, your agent is bound by law to respect your privacy and share your health information only with the insurance company you are applying for coverage with and only after you have agreed to this in writing.

Health insurance carriers handle certain medical conditions differently.  Depending on the condition, the company may decline coverage, rider out coverage, rate up and include, or apply a condition specific deductible.  So it is important to share your entire health history, including any sexually transmitted diseases,  with your agent, so he can direct you to the health insurance carrier that is right for you.