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new individual insurance
Sep 16, 2005

I was diagnosed one year ago with HIV prior to obtaining a student health insurance policy through my university. I never informed my policy as I was eligible for a clinical trial which paid my care in full for one year. I am also employed as a consultant but have no group health options available through my employer. How can I go about obtaining an individual policy which will cover my ongoing care? How do preexisting condition exclusions work given that I have made no HIV claim in the last year but have had continuous coverage through my school policy? Are there plans that cover prescriptions?

Response from Ms. Franzoi

You would qualify for a HIPAA policy. Check with your local insurance plans through Blue Cross or Blue Shield as you should be eligible for a HIPAA policy as long as you don't have a break in coverage that is greater than 63 days.


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