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

Company changing group insurance
Dec 18, 2006

I have been with my employer for almost three years. I was diagnosed probably 5 or 6 months into my employment. It is a small company and they have changed insurance companies each year. Up until now our insurance broker always advised that we did not have to answer the health question on the application form during open enrollment. However now we are switching to a new company and this time our broker says that we have to answer the yes or no question about pre-existing conditions. Even further we have to explain in detail those conditions. I have a couple of issues with this. Number one is that I don't want our HR department looking at the form to see that I've checked pre-existing condition and definitely don't want them to see the details. I am tempted to answer "yes" and leave the details blank. I am tempted to say "no" and let the chips fall. I am tempted to answer "yes" and possibly but the details and send the form directly to our brokers office. I have no idea what to do. Any advice?

Response from Ms. Franzoi

I suggest answering the questions honestly but returning the questionnaire directly to the inusrer or broker.

HIV - FSA Eligible Expenses
New insurance and pre-existing conditions

  • 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