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!
  • Email Email
  • Glossary Glossary

Long term care insurance
Apr 3, 2014

I have been told that due to my HIV+ status that I am automatically excluded from long term care insurance eligibility. Is that correct? If not, which plans offer insurance to HIV+ people?

Response from Mr. Chambers

All Long Term Care policies (other then some group plans) are medically underwritten. None will accept a person whose medical review shows them to be HIV+. I'm sorry.

While Obamacare eliminated medical underwriting for regular health insurance, it had no effect on individual Long Term Care, Medicare Supplements, Life Insurance, or Disability insurance policies.

hiv test
I received a job offer and after my blood results they rejected the offer

  • Email Email
  • Glossary Glossary



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 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