Advertisement
The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App
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


what must be disclosed on health ins. form
Jun 12, 2013

do you have to disclose that you are HIV pos. on an employer's group health ins. form ?

Response from Mr. Chambers

Under the federal law, HIPAA, you cannot be turned down for group health insurance through an employer. First, does the question really ask "Are you HIV positive?" That is illegal in some states.

If it asks do you have AIDS or AIDS Related Complex (insurance companies still use that term) and you are asymptomatic, you can honestly answer "no".

Generally, you should answer each question honestly without necessarily volunteering information not asked for.

Usually, the big issue with filling out these enrollment forms for employers is that, while the insurance company will cover you, these forms are turned in to the employer and someone in that office will probably read it.

Some have tried sending the enrollment form directly to the insurance company. Some have turned in a "dummy" enrollment to the employer then tried to contact the insurance company directly to "correct" the error. Neither of these are very satisfactory, are very cumbersome, and may not work.

Review exactly what is being asked and only answer that. If it is about HIV status check with your state's department of insurance to confirm it is legal.

I'm sorry I can't give you a more concrete and satisfactory answer. Jacques



Previous
False positive drug testing with presence of THC
Next
INSURANCE VS INCOME

  
  • 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 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.

Review our complete terms of use and copyright notice.

Powered by ExpertViewpoint

Advertisement