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

Feb 13, 2008

In regards to a private health insurance policy (Blue Cross Blue Shield of Arizona), can the insurance company raise their rate if a person is diaganosed with HIV

Response from Ms. Franzoi

Typically, an individual health policy would be community-rated and the premium would be based on the individual's zip code. Although an insurance company can raise a premium on an individual policy, it is typically done based on community rates not individul diagnoses. If it is a group plan, the insurer will set the rate based on plan experience, i.e., an experience-rated policy. If this is the case and the plan has had many high cost claims, the inusrance carrier will raise the premium to reflect experience.

getting back on disability
legal rights to cobra insurance

  • 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