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Graduate School Scholarship
Jun 2, 2001

I have recently been offered a 21,000 graduate school scholarship. As a result of my class schedule, I am considering changing jobs. I was diagnosed HIV+ last April and I have been with my present employer for 16 mos. If I change jobs will I be refused medical insurance because I have a preexisting condition.

Response from Ms. Franzoi

You will have several options. If your new employer has a health plan, you will be eligible without evidence of good health. If that health plan has a pre-existing condition clause in it, that period cannot be greater than 12 months and must recognize your period of coverage under your current plan towards that unless you go more than 63 days without coverage (you must obtain a Certificate of Creditable Coverage from your current employer when you leave). Also, you will have continuation rights under COBRA of your current coverage. At the end of COBRA, there is often the availability of a conversion policy or you can purchase individual health care (worst case would be a HIPAA policy).

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