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Insurance changes
Nov 1, 2007

I have recently tested positive through a rapid test, and am waiting confirmation by a full blood test which I did confidentially without insurance. I have PPO insurance via BS/BC, but would prefer a lower deductible plan and am considering one of the BC/BS HMO plan coverages.

Given my situation, due to open enrollment will the insurance company allow the change? Will they know about my status once diagnosed?

How can this be handled as insurance would be an integral part of getting the proper meds etc.

Response from Ms. Franzoi

At open enrollment you will be able to change plans the same way as any other employee, regardless of health status. Once claims start coming in, the insurance company will know your health status. However, that is confidential information that can only be used to process claims. It cannot be shared with your employer.



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