|Newly Diagnosed Positive & Insurance
Jun 2, 2001
I was just diagnosed positive thru anonymous testing. I have been on my health plan at work for two months now, and I have never received treatment or diagnosis for HIV before. I have three basic questions: can I be treated thru my insurance without fear of getting denied, i.e., can the insurance provider somehow find a loophole for "pre-existing condition"? Will anyone at work, including the benefits manager, know what I'm being treated for? (It's a small company, only 9 employees) And finally, will I be eligible for HIPAA if I leave (considering I stay for the twleve month requirement period)for another job in the future?
| Response from Ms. Franzoi
Since you were not diagnosed or treated prior to coverage becoming effective, you can expect to have coverage for reasonable and customary charges for procedures and medications that are covered under the plan. Even if there is a pre-existing condition clause, it would not apply to you because you did not seek treatment, have a diagnosis, etc. in the period of time (usually 3 months) that plans look at to determine if someone has a pre-existing condition. Even if you had one, the longest the plan could preclude HIV-related treatment from coverage would be 12 months (less if you have a Certificate of Creditable Coverage from your prior plan as this would count towards the pre-existing condition period unless you had gone more than 63 days without coverage). No one at work should know what you are being treated for. If the plan is self-insured, the brenefits manager or those in the Benefits Department who deal with the ehalth plan might have knowledge of this. They are prohibited from disclosing this to anyone.
Get Email Notifications When This Forum Updates or Subscribe With RSS
- I May Have Hiv After 2 Years What Are Symptoms
- Chances Of Catching Hiv From A One Night Stand
- How Long Does Diarrhea Last In The Early Stages Of Hiv?
- What Is The The Most Common Route Of Hiv Infection Worldwide?
- Does Hiv Infect Human White Blood Cells?
- Pruritic Papular Eruption Of Hiv Disease
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.