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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.

The cost of meds and insurance
new employer / DC Health Alliance

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