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

For HIPPA Policy, Must I First Be Denied Regular Policy?
Dec 14, 2006

I'm an HIV+ former corp. exec. now on COBRA and pursuing self-employment. Must I first be denied a regular individual policy by a carrier, such as Blue Cross, to apply for a HIPPA policy? Or, since I know I would certainly be denied a regular individual policy, may I apply within the 63 days after COBRA ends for a HIPPA policy? If so, what is the process, and are there any pitfalls should I avoid? You're fabulous, love your answers and thank you so much for your help!

Response from Ms. Franzoi

You don't have to wait for a denial in order to apply. I would recommend applying before your COBRA runs out so you don't have a lapse in coverage. You could either go directly to an insurance carrier, like Blue Cross or Blue Shield, and apply on-line or work through an insurance broker in your area.

Expat Issues Too (2)
new job- insurance question

  • 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