Quantcast

Subscribe to:
POZ magazine
Newsletters
Join POZ: Facebook MySpace Twitter Pinterest
Tumblr Google+ Flickr Instagram
POZ Personals
Sign In / Join
Username:
Password:
Welcome, Guest. Please login or register.
October 23, 2014, 08:47:15 AM

Login with username, password and session length


Members
  • Total Members: 23759
  • Latest: JV
Stats
  • Total Posts: 643210
  • Total Topics: 48939
  • Online Today: 219
  • Online Ever: 585
  • (January 07, 2014, 02:31:47 PM)
Users Online

Welcome


Welcome to the POZ/AIDSmeds Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Am I Infected?” posting guidelines. Click here for posting guidelines pertaining to all other POZ/AIDSmeds community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: Changing health insurance coverage  (Read 1293 times)

0 Members and 1 Guest are viewing this topic.

Offline AstoriaQueens

  • member
  • Posts: 1
Changing health insurance coverage
« on: May 01, 2011, 12:08:33 PM »
if i change jobs and eventually change health insurance, how dangerous is it that the new insurance from the new job won't accept me or won't cover my HIV related expenses? Can i be denied for pre existing condition even if i keep coverage continuously through cobra until the new coverage kicks in?

Also, how difficult is it to get ADAP in NYC?

Your input will be greatly appreciated.

Thanks

Online Miss Philicia

  • Member
  • Posts: 24,212
  • celebrity poster, faker & poser
Re: Changing health insurance coverage
« Reply #1 on: May 01, 2011, 12:16:24 PM »
1) no, you won't be denied anything due to pre-existing condition(s) if there's no gap in coverage. IIRC even with the gap issue it's still OK as long as it's not more than a 2 month gap (or maybe it's 3... someone else will know)

2) as long as you meet the income criteria for ADAP it's very easy (435% of the federal poverty level for NY state).  You can read more here and download an application:

http://www.health.state.ny.us/diseases/aids/resources/adap/index.htm

3) I'll assume that you live in Astoria, Queens due to your screen name.  I would highly advise going to GMHC in Manhattan (446 West 33rd Street, between 9th and 10th Avenues) and registering as a client.  This will allow you access to their staff of case managers as well as other services.

http://gmhc.org/
« Last Edit: May 01, 2011, 12:19:11 PM by Miss Philicia »
"Iíve slept with enough men to know that Iím not gay"

Offline Inchlingblue

  • Member
  • Posts: 3,119
  • Chad Ochocinco PETA Ad
Re: Changing health insurance coverage
« Reply #2 on: May 01, 2011, 03:58:39 PM »
I believe the gap that is allowed and still not be denied for pre-existing is 63 days.

If you have a gap greater than 63 days they can deny only up to the amount of time of your gap up to a maximum of one year. So if above and beyond 63 days you have, say, two more months with no coverage and then you get insurance they can make you wait two months.

That's basically how it works as far as I understand it. I think it's such a silly rule, I don't know who it benefits. Even the insurance companies don't really benefit because they might save a little money being able to deny people up to a year but the amount is minimal compared to their profits and they run the risk that the person will get sicker due to not having coverage so that once they get back on coverage their claims could be much higher.

LINK:

http://healthinsurance.about.com/od/healthinsurancebasics/a/preexisting_conditions_overview.htm

Re: NY ADAP, you might want to verify this (Miss P's suggestion of going to GMHC is a good one) but keep in mind that if you have money in savings (except for retirement accounts) above $25K then you wouldn't qualify so if by any chance you do have more than that maybe you can transfer it to someone you trust so it doesn't appear in your name. The good ol' USA makes one have to lie in order to stay alive. And NY ADAP is one of the more generous ADAPs so count yourself lucky.
« Last Edit: May 01, 2011, 04:02:14 PM by Inchlingblue »

Online Miss Philicia

  • Member
  • Posts: 24,212
  • celebrity poster, faker & poser
Re: Changing health insurance coverage
« Reply #3 on: May 01, 2011, 04:40:16 PM »
keep in mind that if you have money in savings (except for retirement accounts) above $25K then you wouldn't qualify so if by any chance you do have more than that maybe you can transfer it to someone you trust so it doesn't appear in your name.

Actually it's any kind of liquid assets, so that's stocks, bonds, etc. It doesn't include things like a house/apartment.
"Iíve slept with enough men to know that Iím not gay"

Offline Inchlingblue

  • Member
  • Posts: 3,119
  • Chad Ochocinco PETA Ad
Re: Changing health insurance coverage
« Reply #4 on: May 02, 2011, 08:21:53 AM »
Actually it's any kind of liquid assets, so that's stocks, bonds, etc. It doesn't include things like a house/apartment.

Yes, any liquid assets, except for retirement accounts I believe.

 

 


Terms of Membership for these forums
 

© 2014 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.