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.
|
|
 |
 |
Cancellation?
Apr 25, 2008
I am a 23 yr old male who was recently diagnosed with HIV. I am about to start treatment, and I have a private insurance policy through Aetna. I started this policy a few years ago, long before I had ever been tested for HIV.
My father seems to think that my insurance company can cancel my policy because I am now a "high-risk policyholder". I believe this is not only ethically wrong, but also illegal. Is it possible for an insurance company to cancel your policy because of the high cost of claims for HIV meds?
Also, am I able to increase my coverage in order to reduce my out of pocket cost for prescription drugs, even though I know that I will require lifelong care?
Thank you in advance for your help.
|
 |
|
 |
|
Response from Ms. Franzoi
The insurance company cannot cancel your coverage because they determine that you are a "high-risk policyholder." However, you must be careful not to miss a premiuum payment which would give them a reason to cancel. With respect to changing plans in order to have better Rx coverage, you would have to check with Aetna on what is available and whether or not you qualify.
|
|
|
 Please remember that this forum is designed for educational purposes only, and experts are not engaged through this
forum in rendering legal or medical advice or professional services. Experts appearing on this page are independent and are solely responsible
for editing and fact-checking their material. Neither The Body nor any sponsor is the publisher or speaker of posted visitors' questions or the experts' material.
Questions and messages posted to this forum are not statements of advice, opinion, or information of The Body, Body Health Resources Corporation or any sponsor of this
forum. While neither The Body nor Body Health Resources Corporation regularly reviews posted content, we reserve the right to delete, move, or
edit postings if we deem it appropriate under the circumstances. Visitors submitting questions remain solely responsible for the content of their
messages.
Information provided by experts is general only and should not be used for diagnosing or treating a health problem or a disease, or relied upon as
legal or other professional advice. This information is not a substitute for professional advice or care. If you have or suspect you may have a
health or legal problem, you should consult your own health care provider or your attorney.
Copyright notice.
|
|
|
|
