Nov 15, 2007
Hi Ms. Franzoi:
What are the chances of being able to purchase supplemental health insurance bieng HIV+? If a person living w/HIV can make such a purchase, what carriers hve those type of policies?
Thank you for your advice.
| Response from Ms. Franzoi
What type of supplemental insurance are you looking for? If you are covered under an employer-sponsored plan, it probably would not make sense to purchase an individual policy. There are coordination of benefit provisions in most plans which would limit reimbursement. so typically purchasing a second policy adds little value at a cost. If you had the option being covered under one plan as an employee and another as a dependent, there might be value, depending on how the plans provide for coordination of benefits and the cost.
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