Advertisement
The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App
Professionals >> Visit The Body PROThe Body en Espanol
Read Now: TheBodyPRO.com Covers AIDS 2014
   
Ask the Experts About

Workplace and Insurance IssuesWorkplace and Insurance Issues
           
Rollover images to visit our other forums!
Recent AnswersAsk a Question
  
  • Email Email
  • Glossary Glossary


Coverage before testing Postive
Aug 12, 2005

Thank You for all your help. I have a question regarding timing of insurnace and testing positive. I had an exposure about months ago and showing symptoms. I tested negative at 4 months under my old insurance. If I test postive under my new inusrance in two months from now, will my insurance company say that was a prexisiting condition. I have a test in my record from my doctor that I was negative at 4 months. Thanks

Response from Ms. Franzoi

The following is based on coverage under a group health plan: If your new insurance has a pre-existing condition clause (not all health plans do), any condition for which you took medication or saw a doctor for during the 90 days prior to your coverage commencing would be considered a pre-existing condition. However, a plan cannot apply a pre-exsitiing condition exclusion for greater than 12 months and it must recognize prior coverage (Creditable Coverage under HIPAA) towards that 12-month period unless you had a break in coverage of greater than 63 days. If you have an individual policy, your new plan would probably have the same pre-exisitng condition definition explained above but you might not have Creditable Coverage to count towards the pre-exisiting condition exclusion period. Whether or not you have a pre-exsiting condition depends on whether or not you took medication or saw a doctor for a condition in the 90 days prior to coverage commencing.



Previous
Should I SIgn Up For Insurance?
Next
Whether to test before getting insurance

  
  • Email Email
  • Glossary Glossary

 Get Email Notifications When This Forum Updates or Subscribe With RSS


 
Advertisement



Q&A TERMS OF USE

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.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint

Advertisement