Advertisement
The Body: The Complete HIV/AIDS Resource Follow Us Follow Us on Facebook Follow Us on Twitter
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!
 
Recent AnswersAsk a Question
  
  • Email Email
  • Glossary Glossary


Still confused about "pre-existing"
Apr 24, 2009

Since being diagnosed in 2004, I have been fortunate to use a state HIV medication program while being employed part time. I am extremely eager to return to my profession and previous income. I may have a full time job opportunity in another location that will allow me to enroll with Blue Cross Blue Shield. Two questions: 1) Can I be denied coverage, and 2) How do I manage the pre existing condition when I apply?

Response from Ms. Franzoi

If you were to become employed at a company and covered under the company's group health plan, if the plan has a pre-existing condition clause, treatment for HIV-related illnesses or medication would not be covered for a period of 12 months unless you had "Creditable Coverage" that could be applied towards that pre-existing exclusion period. I am not sure if your current state program would qualify. However, you should contact them as they would know whther or not that coverage is considered Creditable Coverage. If the employer offers a group health plan, as long as you are in the eligible class of employees, you would be eligible for the coverage, regardless of your health status.



  
  • Email Email
  • Glossary Glossary

 Get Email Notifications When This Forum Updates or Subscribe With RSS


 
 
Advertisement



Q&A TERMS OF USE

This forum is designed for educational purposes only, and experts are not rendering legal or medical advice or professional services. Experts appearing on this page are independent and are solely responsible for editing and fact-checking their material. Neither TheBody.com nor any sponsor 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

Advertisement