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.
Get Email Notifications When This Forum Updates or Subscribe With RSS
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.