<prompt> Human: So the deal is I busted my ACLmeniscus playing basketball back in college about a year ago but Ive graduated now and will be starting a new job in a Hospital full time with great benefits like medical.Ive done some research on my town that I should go with a low deductible plan to lower the cost of the impending surgery I plan to have on my knee 6 months after I begin working. My question is it better for me to disclose the pre-existing conditiontorn ACL Meniscus when they do my physical assessment and medical history for the insurance plan? Or should I could not disclose it and pass their physicalquestionnaire easily and slowly bring to their attention that I am having knee pain and have the surgery done 6-7 months after employment? Can they look into any past medical history Ive had along with doctor visits? Lastly, is a low deductible plan the best for someone looking to have surgery soon?  <response>: You cant be denied or charged more because of a preexisting condition, unless the plan is grandfathered. Ive also never had an insurance plan from an employer ask for a physical assessment or medical history besides age and tobacco use. 