Please Note: Due to volume considerations, not all questions can be answered. Questions most likely to be answered will be those of general interest to a broad group of visitors to this forum. Questions pertaining to a specific case; requests for diagnosis, medical advice, or second opinion; or requests for opinions about untested alternative therapies will generally not be answered.
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No insurance but not diagnosed
May 2, 2008
I believe that I may have contracted HIV. I have not been tested yet, but I do believe that I would test positive. I currently do not have any insurance through my job. However, I am expecting an offer for a new job and would be offered health insurance through my new job. If I accept the insurance, and then test positive after a few months of coverage, will they refuse to pay for any of my needed health care. Would they be able to claim that it is pre existing if I am initially diagnosed after the time that I receive coverage?
Would it be better for me to enroll, and then wait 12 months to get through the exclusionary period before going to get tested? Thank you
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Response from Ms. Franzoi
If you accept a job that provides medical benefits and you enroll during the initial enrollment period and there are no medical records of your HIV status - tests, medications, doctor visits, etc. - there should not be a problem. For example, if you were to become employed today and become eligible for medical coverage as of 6/1/08 and you enroll in the plan, as long as there is no record of an illness in the 90 days prior to enrollment, no pre-existing condition clause would apply.
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