|Switching jobs and insurance coverage
Oct 30, 2002
I was diagnosed with HIV this past June and currently my insurance covers the medications I need. If I make a job change, could I be denied coverage by a new employer's insurance carrier? I asked my doctor about this and he said what he has seen is most people get coverage unless it's a small company, then it might be a problem.
What can you tell me about this if I decide I would like to switch jobs? Also, is there individual insurance available for people with HIV?Thank you.
| Response from Ms. Franzoi
Your doctor is correct. If you were to change jobs and go to work for a company that offers health care benefits, you would be eligible for coverage regardless of your health status and even though you would have a pre-existing condition, as long as you didn't go more than 63 days without coverage, the new employer would have to recognoize your prior period of coverage towards any pre-existing condition exclusion period.
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