we are students and we have to find out about insurance cover when you have HIV

Generally, people with HIV are denied individual health insurance policies as they are considered a poor health risk. Most people must depend on group insurance coverage through their (or their spouse or domestic partner's) emploment. Some can join a group insurance plan through membership in an association (alumni, union, etc.). Laws and access to insurance differ from state to state. New York has very liberal insurance laws and most everyone can purchase some form of insurance. Other states have special insurance or prescription drug programs. (There are also public and private health clinics where services can be obtained without insurance.) Once a person with HIV is determined to be disabled there is state Medicaid insurance and/or federal Medicare insurance. Here are some websites that may be helpful. For HIV services, www.hrsa.gov For Medicare/Medicaid, www.hcfa.gov For state insurance departments, www.piperinfo.com/state/index.cfm