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FAQs About Insurance From The Body's "Ask the Experts" Forums

Health Insurance | Life Insurance | Applying for an Insurance Policy | HIPAA and Major Risk Plan | COBRA

Health Insurance

What details should I be considering when choosing between two health plans?
I'm currently on Medicaid and about to start a job that offers health insurance. Is HIV considered a "pre-existing condition?" Will there be a waiting period for benefits? What kind of prescription coverage can I expect?
If I quit my current job to move to a new state for a new job, will it be possible to have continuous health insurance coverage?
If I find out soon after my health insurance goes into effect that I am HIV positive, can it be considered a pre-existing condition by the insurance company?
Can my employer terminate my health insurance if I've been on medical disability?
If I enroll in an individual health insurance policy through my university before COBRA expires, will I have any "pre-existing conditions" issues when I am eligible for insurance with a future employer?
I have an individual health insurance plan, but my potential new employer offers a group plan. Which one is better for me as an HIVer?
I'm covered by my domestic partner's health insurance. If he changes jobs, will I still have insurance coverage?
I'm HIV positive, and my wife is dropping me from her health insurance. What options are available to me now?
Are the expenses I incur seeing a medical nutrition therapist and massage therapist eligible for reimbursement through my health flexible spending account (FSA) provided by my employer?
I experienced an occupational exposure to HIV, and my worker's comp insurance representative says they won't pay for the preventive antiretroviral therapy. Is this a common policy?
I'm thinking of going to graduate school, but it looks like neither of the insurance plans offered by the university cover prescriptions. Is there another way I can get help to pay for my HIV meds?
Are there any U.S. health insurance companies that offer overseas coverage?
Can an insurance company cap HIV treatment benefits without capping other illnesses?
Can my insurance company refuse to cover the HIV drugs I take?

Life Insurance

Applying for an Insurance Policy

HIPAA and Major Risk Plan

COBRA

For frequently asked questions on other HIV/AIDS topics, click here.

This article was provided by The Body's "Ask the Experts" Forums.

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