Hiv And Finding Insurance

Here's a taste of what TheBody.com has to offer on this topic:

Get the Facts

Selling Your Life Insurance

How Do I Choose a Company to Buy My Policy? Check with the state insurance department to see if viatical companies are licensed or regulated. Be sure to get offers from several companies. An organization that represents viatical companies is the Life Insurance Settlement Association, Orlando, FL; (407) 894-3797; www.lisassociation.org . Two Internet web sites with independent information are: Viatical Settlements Information at...

Ask the Experts

Concerned about finding insurance when self employed

I am HIV+ for 3 1/2 years, have a PPO insurance plan through my current employer. I am thinking about becoming self-employed eventually (within the next yearor so)and want to purchase my own health insurance. Off the record,I have been advised to...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

I would not recommend lying on an application for medical coverage. If discovered, it could invalidate your coverage retroactive to its effective date among other negative consequences. If you leave your current job, you would be eligible for... Read more »

Nervous about finding insurance

I am a soon to be college graduate that will be entering the workplace. I have had HIV for 4 years, pretty uneventful in terms of health in those 4 years. My father's insurance is very eager to dump me and is counting the days until I...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

If your prospective employers have plans, you would be eligible to participate in them (life and medical) once you meet the eligibility requirements, as long as you enroll within the initial enrollment period which is typically 30 days from... Read more »

Employer Finding Out You're HIV+

Will my company insurance carrier report my HIV+ status to my employer once they start to see HIV meds and treatment claims by my doctor?...

Response from Nancy Breuer

WorkPositive, Inc.

Not unless they want to risk losing their license to provide insurance. They can provide aggregate data to employers who are their clients, but they are barred by law from providing information with an employee's name linked to it.... Read more »

hiv and insurance

I was diagnost with hiv, four days ago. The test I took was anonymous. I only have had my insurance for four months and I don't know if the HIV was preexisting or not, before I got the insurance. I am sure however that if my insurance finds out...

Response from Graeme Moyle, M.D.

Chelsea and Westminster Hospital

I am sorry to hear about your diagnosis.I am not familiar with the US insurance system. However, failing to disclose a pre-existant condition is a form of fraud and would invalidate your insurance policy. I think it is best to be open with the... Read more »

Go to Ask the Experts »

Connect With Others

Long Term Disability Insurance and HIV

Posted by Anonymous, 1 Reply

$13,000. Worth of advice
about group disability insurance coverage.

When I first became fully disabled and unable to work I was worried but felt comfortable in knowing that I was covered by my employers long-term group disability policy. I knew that... Read more »

employers finding out ??

Posted by Anonymous, 1 Reply

I am about to begin treatment using my health insurance (HMO) provided by my employer. Won't they find out eventually ?

I am sure most of you are using your employee benefits/insurance. What has been your experience about the above ?

Please help.

Read more »

health insurance

Posted by Anonymous, 1 Reply

can anyone help me with finding a health insurance group which is hiv friendly. i,m in the chicago aera. thank you.

Read more »

Health Insurance?

Posted by Anonymous, 2 Replies

My brother just found out that he is HIV positive. He is currently a college student and does not have health insurance. Does anyone know if there is a plan available for HIV positive persons? Costs? Any recommendations or suggestions would be... Read more »

Connect on Our Bulletin Boards »

Tools

My Health Tracker

Assess Your Risk for HIV

Find Local HIV/AIDS Services

Resource Centers

Guides for People With HIV

View All of Our Guides >>