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medical insurance
Jun 2, 2005

I am raising my 12 year old niece who is HIV+ since birth and has had full medicaid benefits since birth. My worry is when she becomes of legal age and starts college. I presume she can continue with Medicaid while still in college, however, when she gets a job, how does it effect her Medicaid? I don't believe she can stay on Medicaid if she is fully employed, but can she mainstream into her employers health plan without disclosing her status? Clearly her monthly statements for medication would show up in the insurance company's database. This is of great concern for me now although she is only twelve. We live in NYC.

Response from Ms. Franzoi

You should address these questions with Medicaid. However, I think it is premature to do this because she is only twelve. Many changes could occur between now and when she gets her first job. However, based on current practices, if she were to become employed at a company that offers group health coverage to its employees and she signs up for coverage during her enrollment period, she would be covered regardless of her HIV status.

Starting a new job
Insurance options after COBRA and if self employed

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