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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

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