|Taking a small employer
Nov 5, 2008
First, thank you so much for your service to this community. Thebody.com has kept me sane as I live with HIV.
I am in the USA in an at-will employment state and work for a large employer with good health benefits. I am unhappy in my job and am talking with some people I know who have started a small business that is very successful. They do not know I have HIV. I take Atripla and I am very healthy. I have several concerns. If I join the small company (less than 10 people) will my prescription costs cause their medical insurance to skyrocket; will they know I am taking HIV meds; and can they fire me for causing their insurance cost to rise?
Are there any other things I should consider in moving from a large employer to a small one (from an insurance perspective)? Thank you!
| Response from Ms. Franzoi
Since this is a small employer, most likely they have an insured small group health plan. So they will not have access to your claims. Depending on how premiums are determined by the insurance company, significant increases in health care costs related to employees covered could impact premiums at renewal time. However, there could be other employees or dependents under the plan who have high health care costs. HIPAA requirements would prevent the insurer from disclosing employee-specific claim information to the employer. High health care costs related to you could not be grounds for termination.
Get Email Notifications When This Forum Updates or Subscribe With RSS
- How Long After Sex Can I Take An Hiv Test?
- Will Genital Herpes Cause Shingles?
- What To Do If You Have Been Exposed To Herpes?
- What Pills Can You Take To Get Rid Of Bacterial Vaginosis Or A Yeast Infection?
- What Happens When You Get Shingles In Your Eye?
- What Are Over The Counter Treatments For Genital Warts?
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.