Advertisement
The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App
Professionals >> Visit The Body PROThe Body en Espanol
   
Ask the Experts About

Workplace and Insurance IssuesWorkplace and Insurance Issues
           
Rollover images to visit our other forums!
Recent AnswersAsk a Question
  
  • Email Email
  • Glossary Glossary


HIV + Cobra + "private insurance"
Mar 30, 2004

Thank you in advance for your advice...

I am contemplating leaving my current employer for a very small consulting firm. I'm told that this firm doesn't provide health insurance. If I COBRA for 18 months, is there any way to determine what my monthly outlay will be? (I need to know so that I can adjust my salary requirement accordingly.)

More importantly, after 18 months, when COBRA runs out, can I switch to a private health insurer? Will it be astronomically expensive? Most importantly...with HIPPA, will private insurance companies have access to info revealing my HIV+ status?

Many thanks...

Response from Ms. Franzoi

Your COBRA premium will depend on your current employer's cost for the health coverage because COBRA premiums are 102% of the employer's cost. Contact your HR or Benefits Department and ask them what the COBRA premium is. COBRA premiuums usually change each January so be prepared for an increase at that time.

When COBRA runs out, you can apply for an individual policy with any insurer that offers individual plans. However, you will probably have to purchase a HIPAA policy which is typically more expensive. Although HIPAA provides privacy rights, you will have to answer a medical questionnaire to purchase a health policy and this would include information on your HIV status.



Previous
Returning to work, worried about drug costs
Next
Life Insurance

  
  • Email Email
  • Glossary Glossary

 Get Email Notifications When This Forum Updates or Subscribe With RSS


 
Advertisement



Q&A TERMS OF USE

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.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint

Advertisement