The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App 
Professionals >> Visit The Body PROThe Body en Espanol
Ask the Experts About

Workplace and Insurance IssuesWorkplace and Insurance Issues
Rollover images to visit our other forums!
  • Email Email
  • Glossary Glossary

Health Insurance Coverage
Jun 1, 2001

I am HIV positive, without symptom. My insurance coverage is via my partners work plan. He is considering retirement. Where do I begin to look for medical coverage?

Response from Mr. Berg

It really depends on which state you live in. If you're a New York resident, you may have more options so contact a broker. Otherwise, you can obtain group coverage through employment or as a member of an association (alumni, union, etc.) Your state may have special insurance programs. I suggest you get in touch with your local AIDS Service Organization for information on your options. Under the federal Health Insurance Portability & Accountability Act (HIPAA) provided you have been on your partners plan for at least 18 months and are not eligible for COBRA continuation coverage, you have a 63 day window of opportunity to purchase an individual health policy once your group plan terminates. This policy is guaranteed issue regardless of your HIV status. For information on HIPAA check out the following websites: and

Employer failed to pay insurance premiums
back to work+buy medicare

  • Email Email
  • Glossary Glossary



This forum is designed for educational purposes only, and experts are not rendering medical, mental health, legal or other professional advice or services. If you have or suspect you may have a medical, mental health, legal or other problem that requires advice, consult your own caregiver, attorney or other qualified professional.

Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint