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
Ask the Experts About

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

Partner Positive Diagnosis Insurance Effects
Aug 28, 2006

My partner tested HIV+ a few days ago. Begin together sever years it is very likely then that I could be HIV+ as well particularly since we do not use protection. I know I should go get tested right away and seek the care of a physician and I plan to. While there is a chance I could be negative, I am trying to get things in place right at this moment before seeking a test that may then come out positive. Other than this potential concern I am otherwise healthy and have health and life insurance through my job. My question is, should I try to put other insurance coverage in place that is not offered by my firm in the coming days before being tested (long-term care, long term disability, prescription medication coverage)? If so, if I get tested just a few days later and the results are positive, would that impact the coverage? I'm conflicted. I feel reluctant to even seek additional insurance as like I'm hiding something, but at the same time, I have not been tested or diagnosed so what am I hiding. I appreciate your advice.

Response from Ms. Breuer

If you apply for any insurance coverage outside your employer's usual enrollment period that is above and beyond the usual package of employee benefits, you will have an HIV test as part of the application process. There's no getting around that one. The only way to sign up for more insurance without the test is to take advantage of everything your employer offers and to do it during open enrollment, which typically occurs once a year.

disclosure for non-invasive healthcare worker
A Cut, A Hospital, Insurance, and my Job

  • Email Email
  • Glossary Glossary



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 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