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need insurance??
Aug 6, 2004

Hi, Your site is great. Thanks for all of your expert advice.

I have an indemnity plan that has a $2,500. deductible per illness.THis isn't so bad with hiv bec the meds add up fast,but if I wanted to go to the doc for a non-related problem I'd be subjected to a $2500 ded for each problem. Can you suggest any kind of insurance where I can have the hiv issues not covered bec of pre-exisiting issues, yet get good covereage for everything else? Thanks,Luke

Response from Ms. Franzoi

Check with HMO or Blue Cross HIPAA policies in your area. You might be able to get better coverage with a lower deductible. However, you will have to compare the monthly premium costs of the various options.



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