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
  Breaking News: FDA Approves Triumeq, New Once-Daily Combination Pill
   
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


Testing before/after insurance begins?
Jun 2, 2001

Dear ladies,

I started working in January this year so my medical insurance doesn't start until late May this year. I had an possible exposure in early February this year so by the time I get ready to get tested (at three months after, i.e., early May) I won't be covered by any insurance company.

I am afraid that if I do that and turn out HIV+ it'll be a pre-existing condition and I won't get any insurance for my HIV meds in case I turn HIV+.

Should I then wait until after my insurance starts to get tested?

Thank you very much for your help and God bless you and every one on The Body. Although my risk is considered low I feel extremely nervous and scared and thanks again for your help.

Response from Ms. Franzoi

Even if the medical plan has a pre-existing condition clause and you test positive for HIV, the plan will only be able to exclude the treatment for HIV-related illnesses for a period of 12 months. However, if you wait until after your medical coverage begins before getting tested or you get tested anonymously and if the result is positive, you do not contact a doctor until you coverage is effective, no pre-existing condition clause will aply to you under the plan.



Previous
Legal Question
Next
+Nurse, insurance, and discrimination

  
  • 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