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Uninsured and Unemployed
Mar 20, 2003

I have been unemployed for a little over a year and foolishly allowed my insurance coverage to lapse. I just tested positive 2 weeks ago. I have 2 questions, I have never been asked to submit to a physical for a group health plan (I've always worked for large companies, Citicorp, Compaq, etc. But I have also never gone this long uncovered. Will I be asked to submit to an examination and can I be denied coverage as this is a "pre-xisting condition". What laternatives do I have? My GP wants me to see an Infectious Disease specialist to get Viral lode and CD4 counts done, but I am reluctant to do this and establish a paper trail that proves my status.

Response from Ms. Franzoi

If you were to become employed by a company with a group medical plan, you would be eligible for coverage. You would not have to submit to an examination to qualify for the coverage. However, there might be a pre-existing condition clause in the plan that would exclude treatment for up to 12 months for an illness that you were treated for prior to coverage under the plan.



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