|HIV and Insurance Coverage
Sep 4, 2009
I am HIV and currently covered under my health insurance plan. I am seriously thinking about changing jobs, which would be a change of health insurance. Would I be covered? I am currently taking Atripla to manage my HIV. I am extremly concerned and worried about changing coverage, especially with this pre-existing condition. Any advice? Would I be covered by law?
Response from Ms. Franzoi
If you were to change jobs, as long as you don't have a 63 day break in coverage, any new employer's plan would have to recognize your period of coverage under your prior plan (called Creditable Coverage under HIPAA) towards any pre-existing condition clause the plan might have. Please note that a plan cannot have a pre-existing condition clause that is greater than 12 months. So if you have been covered under your current plan for at least 12 months and you don't have a break in coverage of 63 days or more, you should be fine under the new employer's plan.
Response to long term disability question
- Neuropathy In Tongue And Face
- Treatment For Neuropathy In Arms And Hands And Legs And Feet
- Chances Of Contracting Hiv After One Unprotected Exposure
- What Could Cause False Positive Rapid Hiv Test?
- What Does It Mean When Hiv Is Lying Dormant In Your Body?
- Is Bruising Easily A Sign Of Hiv?
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 TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.