May 16, 2011
I have been living out of the country (Japan) for 10 years. I became HIV+ while living there and was covered by the national health insurance for 5 years before coming back to America. I have recently started a new job and have enrolled in the full coverage health plan. They did not ask any health questions or require a physical. Can the insurance company (Cigna) deny coverage once I begin to seek treatment using this insurance? Do I have to wait the 12 months for the pre-existing condition clause to time out? American health insurance is VERY confusing to me right now! Can you shed some light on the situation? Thanks as always for your help!
| Response from Ms. Franzoi
First, does the plan have a pre-existing condition clause as many plans do not? If it does, it probably won't recognize your coverage under the Japanese National Plan so you could have a 12 month exclusion period with respect to any pre-existing condition.
Get Email Notifications When This Forum Updates or Subscribe With RSS
- Can You Contact Hep C From Swallowing Blood?
- How To Sue A Doctor For Discrimination On Hiv?
- Percentage Of American Heterosexual Hiv Infection
- Cocci Versus Mycobacterium Avium Complex Disease
- Early Kaposi's Sarcoma Symptoms
- If I Have Hiv And Pregnant Does This Mean My Child Will Be Hiv Positive?
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.