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Unemployment/Previous Medical Condition
Mar 4, 2010

Im an unemployed recent graduate that had a HIV + sexual exposure several months ago. I need to be tested again in order to protect my health however; I havent been test sense 4 weeks after my initial exposure. My GREATEST concern is testing HIV +, finding employment, and then being denied health insurance do to a previous medical condition. I am in the process of interviewing and should land a job within the next 60 days or much sooner, how long after accepting a job do I NO longer need to worry about being denied health insurance? Any other employment insites would be welcomed too.

Response from Ms. Franzoi

If you accept a job with a company that offers a group health plan, you would not be denied coverage for a pre-existing condition. However, there could be a pre-existing condition exclusion clause in the plan. Even if that plan has a pre-existing condition clause in it, it could not apply for longer than 12 months. I think you could either do anonymous testing to find out your status or wait until after coverage under your emplpoyer's plan takes effect.



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