|changing jobs & ins. companies
Aug 23, 2004
I'm about to change jobs and health insurance companies....I'm due for a physical and want to have and HIV test....if the test i positive can my new insurance company deny me coverage base on a "pre existing" clause...thank you
Response from Ms. Breuer
You have several questions rolled into one. Here's the drill:
If your new job offers a group health insurance plan, you're part of the group by joining the firm. No tests, and your coverage will be unbroken because of HIPAA. Get a HIPAA certificate of insurance from your present employer before leaving, and give it to your new employer when you sign on. That usually erases pre-existing condition exclusions.
Now the testing. Any HIV test you request from your health care provider becomes part of your medical record. Some insurers discriminate against people who ask for the test and test negative--simply because they asked for the test. This is not an issue for a group health plan, but it is an issue for life/health/disability insurance that you apply for privately.
So why would you have an HIV test on your medical records? Surely there's a way for you to get an anonymous test, unless you live in Alabama. (Note: that's a real reference, not a joke)
Call your local AIDS service center to ask about anonymous testing. That way you will be able to control the information. Okay? Privacy is hard-won these days. Don't give it away lightly.
Terrified at work
about Health Exam
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.