Apr 9, 2004
I took a HIV test through my doctor and it was covered through my Health insurance four years ago. I was negative. Are there any ill effects from the health insurance company that I took this test. I will begin a new job with a new company in two weeks with a new health insurance company. Is there any reason they can deny my health insurance through the new company.
Response from Ms. Breuer
Generally, the accepted wisdom is that an HIV test on your medical records in response to a potential exposure (such as to someone else's blood in a first aid or accident scenario) is not a problem. An HIV test without that kind of provocation can raise more questions, because some insurers read it as a declaration of risk behavior. However, if you're joining a group plan, the test will be irrelevant. They can't reasonably deny you coverage because of this test on your medical records. It would have its greatest impact if you were applying for individual coverage. This is why we recommend anonymous HIV testing.
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