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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: www.hcfa.gov and www.dol.gov/dol/pwba



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