Hiv Testing And Insurance

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Ask the Experts

Which would they use? HIV testing and insurance

I'm not sure that it would matter, but if an insurance company were going to give an HIV test, and the paramedical took both blood and urine samples, which would they use to perform the test?If they use blood, do they do an EIA typically, or do...

Response from Nancy Breuer

WorkPositive, Inc.

The blood would be used to do the HIV test. It doesn't matter which assay they would use; the results would be the same. Generally they don't do a P24 test; it costs money. I am not aware of any life, medical or health insurance companies... Read more »

HIV testing to obtain insurance

Are HIV tests administered by Insurance companies reliable? I had one ten months after a potential... Read more »

Response from Rick Sowadsky, M.P.H. »

What are the HIV tests that life insurance use?

When you apply for life insurance, what are the common HIV tests that they use for screening? Do... Read more »

Response from Mark Holodniy, M.D., F.A.C.P., C.I.C. »

Go to Ask the Experts »

Articles

U.S. Centers for Disease Control and Prevention

Doctors Advocate HIV Tests for All; Insurers Urged to Pay for Screening

In a joint press conference on April 17, the American College of Physicians and the HIV Medicine Association made an urgent call for national AIDS policy reform, including universal testing for everyone who does not opt out. Dr. Michael S. Saag,... Read more »

Michigan: HIV Testing Consent Bill Could Cause Insurance Companies to Deny Coverage

A bill before the Michigan House -- HB 4583, introduced by Rep. Roy Schmidt (D-Grand Rapids) -- would eliminate a state requirement that a patient sign a consent form prior to being tested for HIV. Grand Rapids-based Spectrum Health, which requested... Read more »

California Bill Would Require Insurers to Pay for HIV Tests if Signed By Gov. Schwarzenegger

Health care insurers will be required to cover routine HIV tests if a bill (AB 1894 ) passed by the California Legislature in August is signed by Gov. Arnold Schwarzenegger (R), the San Fernando Valley Business Journal reports. According to the... Read more »

HHS Secretary Requires Insurers to Cover HIV Testing for Women

Washington, D.C. -- In an announcement yesterday by Secretary Kathleen Sebelius, the U.S. Department of Health and Human Services (HHS) has accepted the recommendations of a recent report by the Institute of Medicine (IOM) that private insurers be... Read more »

Connect With Others

Life Insurance for people who areHIV+

Posted by Anonymous

I just received information about Life Insurance that might be helpful to someone who is HIV+. I have located a High Risk Insurance Company which is called IMPAIRED RISK SPECIALIST INC. The company has a plan called E.Z. 123 HIV.
The requirements... Read more »

Question about HIV testing.

Posted by Anonymous, 2 Replies

I had a test (actually a life-insurance test) that stated "HIV antibody test: non-reactive. The encounter I had was nearly 3 years ago. I know I should have gotten tested sooner if I was worried. The question is, assuming they used ELISA to... Read more »

Switch625 - HIV Saliva Test

Posted by Anonymous, 2 Replies

Switch - what do you know about the HIV saliva test being used by some insurance companies as a substitute for blood testing ? Is is accurate and how does it work ? Read more »

Health Insurance- Please help

Posted by Anonymous, 2 Replies

Hello:

I am yet to test for hiv, but i am planning ahead (as i am testing today) just in case the worst happens.

I am about to get a new job and would like to protect my HIV status on employment health forms under "pre-existing conditions." How do i... Read more »

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