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

Employer Health Insurance Won't Cover Meds
Jul 19, 2000

I was hired by my current employer (a nonprofit health agency!) almost a year ago. Prior to this job, I've had uninterrupted group health insurance from my previous employer. The policy at my current job excludes payment for any AIDS-related treatment, including medication. I have never had this problem before. I even signed on to my husbands health plan 6 weeks ago and they have paid for ALL my meds, no questions asked! My question is twofold: 1. Can an insurer exclude one disease group? There are folks at our agency with diabetes, cancer and heart problems. They get the care they need. 2. Since my husbands policy seems to be hassle-free, I'm thinking of dropping my insurance here. My main concern is getting back payment for all the meds I have paid out of pocket. Any advice on these issues? Thanks in advance for your help.

Response from Ms. Franzoi

1. A health plan can exclude coverage for any one disease group.

2. As you stated, since your husband's plan seems to be hassle-free, you might want to consider dropping your coverage and just staying on his. I don't know of any way that you could receive reimbursement for the meds you paid for out of pocket because you weren't covered under your husband's plan at the time you received them and your plan excluded coverage.

Lynn Franzoi

IND. Doctor reported medical history HIV over back pain to employer
Spouse HIV+; I want to Change Jobs

  • 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