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Author Topic: Healthcare advice  (Read 1054 times)

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Offline northrock

  • Member
  • Posts: 19
Healthcare advice
« on: May 18, 2010, 03:00:39 PM »
I am 1 year into being diagnosed with HIV.  I work for a small company that provides my health insurance and all of my premiums (Thank the Lord).  Our company reviews the policies every year and shops around for cheaper plans, etc..  This is suppose to happen in the month of June therefore I'm worried about a couple of things:

1.  If during the review process and renewal the premiums come back high will they be able to pin point it to me because of my disease?
2.  There have been other major illnesses within our office, i.e. kidney surgery, etc.  Am I considered high risk patient since the disease is technically manageable? 
3.  Will we be lumped into a high risk pool of other insurances and therefore I won't have to disclose my illness and the premiums for the entire office as a whole won't become so outrageous that we get dropped.

The reason for my concerns are that if we do get dropped due to my stupidity then will i be able to get covered since I have a preexisting condition and if I understand the new laws I would have to go without insurance for 6 months to qualify as high risk preexisting. 

As you can tell I'm WORRIED and totally confused about health care and my options.  Any advice would be appreciated.
New guy to this disease!

Offline Assurbanipal

  • Member
  • Posts: 2,173
  • Taking a forums break, still see PM's
Re: Healthcare advice
« Reply #1 on: May 18, 2010, 08:14:31 PM »
First of all, it isn't you that is confused.  The law is pretty confusing.  Plus it is in a state of flux at the federal level and varies from state to state.

As far as you being pinpointed as having HIV -- the insurance company can tell your employer what medical conditions are making the insurance costs go up.  But they are not supposed to tell your employer who has which condition.  That is federal law -- true in all states.

We can't know in advance whether your company will continue to buy insurance.  Depending on the state you live in the options available to your company will be different.  But in most states it is a matter of cost rather than ability of the company to find any insurance.  So to help with the cost issue you should make sure that your company is aware that there is help coming to make it easier for small companies to afford to buy health insurance.  The help comes in the form of a new tax credit.  It's part of the new health law and the IRS  just put out some helpful information the other day.  http://www.irs.gov/newsroom/article/0,,id=220809,00.html

Otherwise ... try not to worry.

A
5/06 VL 1M+, CD4 22, 5% , pneumonia, thrush -- O2 support 2 months, 6/06 +Kaletra/Truvada
9/06 VL 3959 CD4 297 13.5% 12/06 VL <400 CD4 350 15.2% +Pravachol
2007 VL<400, 70, 50 CD4 408-729 16.0% -19.7%
2008 VL UD CD4 468 - 538 16.7% - 24.6% Osteoporosis 11/08 doubled Pravachol, +Calcium/D
02/09 VL 100 CD4 616 23.7% 03/09 VL 130 5/09 VL 100 CD4 540 28.4% +Actonel (osteoporosis) 7/09 VL 130
8/09  new regimen Isentress/Epzicom 9/09 VL UD CD4 621 32.7% 11/09 VL UD CD4 607 26.4% swap Isentress for Prezista/Norvir 12/09 (liver and muscle issues) VL 50
2010 VL UD CD4 573-680 26.1% - 30.9% 12/10 VL 20
2011 VL UD-20 CD4 568-673 24.7%-30.6%
2012 VL UD swap Prezista/Norvir for Reyataz drop statin CD4 768-828 26.7%-30.7%

Offline northrock

  • Member
  • Posts: 19
Re: Healthcare advice
« Reply #2 on: May 18, 2010, 09:54:40 PM »
Thanks for the advice.  Unfortunately since we are a company of 10 I think it will be pretty obvious who is causing the health care increase but I can't worry about that today.  I have to just go one day at a time.
New guy to this disease!

 


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