|Starting Work with HIV
Oct 26, 2005
Hello. I'm currently a nursing student in an RN program, scheduled to graduate in May 2006. The hospital where I work has already interviewed applicants they're interested in for hire upon graduation. My question is: I currently have no medical or life insurance coverage. When I apply for this coverage with the employer, should I disclose my HIV status or not. I'm currently asymptomatic and receive my meds through BridgesAccess program and the local Ryan White program pays my doctor's office visits. Should I keep my status undisclosed initially so they can't exclude me with a pre-existing condition clause? If I don't see my doctor for 90 days before I disclose my status to the insurance provider, won't that prevent them from excluding my HIV status? Thanks for your help.
Response from Ms. Breuer
I can't address the exclusion issues in your question because every policy is written differently, but yes, you can begin work without disclosing. Your medical information is yours and is private.
Yes, I'd keep my status private initially. But I don't think that avoiding medical care for 90 days would change the policy provisions on pre-existing conditions. Examine your summary benefits plan for that information. It's the booklet they give you when you enroll.
GROUP LIFE INSURANCE CONVERSION POLICY
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