|Health Insurance Coverage
Apr 23, 2007
I was diagnosed with HIV one year ago. At the time I was on a Cobra plan from a previous employer. That Cobra plan has run it's course. At present I have no health coverage and unable to pay for the costs of treatment and medications. Am I considered "uninsureable" by the Insurance Industry? Are there companies willing to cover individuals in my situation?
Response from Ms. Franzoi
If you haven't had a lapse in coverage of 63 days, you would be eligible to purchase a HIPAA policy from any insurance company in your area that sells individual health policies. If you have had a break in coverage of 63 days or more, most companies would not be willing to issue you a policy. Some states, like California, offer a policy for a limited period of time through a risk pool. If you are in California, check the California Major Risk Medical Insurance Program (MRMIP) at 1-800-289-6574.
Life Insurance options for healthy HIV positive and no AIDS diagnosis?
Clarification of Insurance Coverage
- What Is The Causative Agent Of Herpes?
- What If You Took Medicine For Chlamydia And I Still Have Symptoms What Does That Mean?
- What Happens If Shingles Are Not Treated With Medicine?
- What Happens If Bacterial Vaginosis Is Not Treated?
- What Foods To Avoid If You Have Shingles?
- What Causes Shingles To Flare Up?
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 TheBody.com nor any advertiser is the publisher or speaker of posted visitors' questions or the experts' material.