Dec 6, 2004
Are there usually any sort of exclusions/pre-existing clauses dealing with HIV. Are there any things I should look for/avoid in selecting a policy? I am HIV+, but in good health.
| Response from Ms. Franzoi
Most individual health plan policies require you to answer a medical questionnaire. If the insurer agrees to provide coverage based on your responses, the policy will probably have a pre-exisiting condition exclusion for HIV-related illnesses for a period of time. If you are currently covered under a group policy and will be looking for an individual policy once your coverage ends, you can take advantage of HIPAA which would require the new policy to recognize your prior period of coverage towards any pre-existing exclusion period. In selecting a plan, pre-existing condition exclusions, lifetime maximums, the level of prescription drug coverage and, for a PPO or an HMO, the network of doctors and facilites are important features to review.
Get Email Notifications When This Forum Updates or Subscribe With RSS
- Blowjob From A Prostitute Worried I Have HIV
- Chances Of Getting AIDS From Blowjob From A Prostitute
- Cold Feet After Sex With Stripper Condom Broke Worried I Have HIV
- Flu Symptoms After Touching Dried Blood Worried I Have HIV
- Hairy Tongue After Sharing Sex Toys Worried I Have HIV
- Painful Red Spots After Lap Dance Worried I Have HIV
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.