|Insurance and my family owned business.
Jul 20, 2009
I'm considering moving back to TN to work with my family-owned business. I haven't disclosed my HIV+ status to my family and do not want to do so yet. Assuming I move forward with my plans and sign up for the group health insurance plan that is available to employees, should I be concerned with my family finding out my status through the insurance company? Would they be able to see the costs associated with my health care?? Thanks for your assistance!
| Response from Ms. Franzoi
It depends on the health plan that is offered to your family's employees. If it is an insured plan, there should not be any employee-specific information shared. Even if it is self-insured, there should not be any sharing of employee-specific information. However, on both insured and self-insured plans that are individually related, there are typically reports that show dollars spent by disease category and prescription drugs. For example, in my health plans, I know what we spend for different medications that are used by HIV+ participants as well as dollars spent for physicians, hospital,s etc. for HIV-rleated treatment. I do not know who the participants are. I track the same medical information for diabetes, heart disease, maternity, etc.
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