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 24, 2014, 08:23:50 PM

Login with username, password and session length


Members
Stats
  • Total Posts: 643462
  • Total Topics: 48959
  • Online Today: 196
  • 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 jobs and keeping insurance  (Read 2257 times)

0 Members and 1 Guest are viewing this topic.

Offline statichope

  • Member
  • Posts: 19
Changing jobs and keeping insurance
« on: April 09, 2011, 11:14:18 PM »
Since I was diagnosed I have had this feeling that it is time to move back home and be close to family and friends. I currently have a job and group insurance through my job, my question is if I quit and move back home (which is a few hours away) is there a way to keep group insurance so I don't lost out on medication? I do not have a case worker(?) I believe they are called (someone or a group to help me out with questions and what not) that I can talk too about this and in fact that brings up another question in a bit..but back to insurance, so after talking to my doc about it he told me I really do not need to worry about insurance unless I let a month or so lapse with none at all, he said the way it works is, if i quit, I will need to switch my group insurance to COBRA, which has like a 60day after termination to sign up, then pay COBRA until I find a new job and once start I will switch my COBRA to the new jobs insurance, that way I never lapse and therefore not considered as pre existing to the new insurance. Now, I do assume that this will only work if the new job has a group insurance policy as well and everything I have read is that companys with 20+ employees will have group policies. So, is this correct?

Next question from above is, do I need to have a case worker? If so, where would I go to find one and how
would I go about it? Do I just walk in somewhere and say Hi, uhhh I need a case worker I guess??? lol

Offline Assurbanipal

  • Member
  • Posts: 2,173
  • Taking a forums break, still see PM's
Re: Changing jobs and keeping insurance
« Reply #1 on: April 10, 2011, 04:30:12 PM »
Life is more complicated with HIV, and one of the most complicated parts (in the US) is getting and keeping medical coverage.

Your doctor's summary is not bad, but only if everything works out as planned.  And there are a lot of places where things could go wrong and you might find yourself without coverage.

 For instance, while most employers with over 20 employees offer medical insurance, not all do -- and some others severely limit coverage or charge a lot just to participate in the medical plan.  Many employers also do not allow new employees to join the plan immediately on hire, but impose a waiting period (until the start of the next month, or a 6 month waiting period are common alternatives).  It may also take longer than you expect to find a new job.

All of these issues can screw up your ability to get new coverage within the 63 day period.  In that event you would either need to pay the full price (not just the employee price) for COBRA coverage under your prior employer's plan retroactive to the day you left, or risk exclusion under a preexisting coverage exclusion.  Now, not every health plan excludes coverage of preexisting conditions  -- the larger the employer, the more likely they will cover you immediately without worrying about whether you have a preexisting condition or not -- but you won't know until you get the terms of the new employer's policy.

Many employers would rather hire someone who is currently working than someone who has quit a job without a new one in hand. So, just in general, if you are already working you are usually going to have a better result if you find a job first, and then move.  Given that you are dealing with medical coverage too, if looking for a job long distance is at all an option for you, you might want to explore it first.


Good luck
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 JR Gabbard

  • Moderator
  • Member
  • Posts: 258
  • Union Jacks
Re: Changing jobs and keeping insurance
« Reply #2 on: April 19, 2011, 11:07:56 PM »
Assurbanipal, you rock!

But I would like to fluff a couple of your points.

As things stand today (as opposed to how they might be in the future, under ACA), there are no pre-existing conditions exclusions for group health insurance policies.  Insurers have to treat all members of the group equally.  That includes all group insurance--whether you got it from a job, a trade group, professional group, or social group membership.  There may be an exclusion period at the beginning where you can't make a claim, but that shouldn't last longer than 90 days. 

There is also no pre-existing condition exclusion in private insurance when you haven't had a break in coverage of more than 60 days.  So if statichope moves but can't find a job, he could still purchase a private policy with no worries except for the expense.  The expense would be about the same as COBRA, since you would be paying the full premium in either case.  The difference would be that COBRA is your old policy, so you might be able to save a little by comparison shopping.

The thing to avoid is a break in coverage of more than 60 days, because then you can be denied a private policy for a pre-existing condition, and your options dwindle to the very expensive high-risk pools, or Medicaid.
It goes like this
The fourth, the fifth,
The minor fall, the major lift,
The baffled king composing Hallelujah!

L. Cohen

Offline Hellraiser

  • Member
  • Posts: 4,136
  • Semi-misanthropic
Re: Changing jobs and keeping insurance
« Reply #3 on: April 19, 2011, 11:11:27 PM »
As things stand today (as opposed to how they might be in the future, under ACA), there are no pre-existing conditions exclusions for group health insurance policies.  Insurers have to treat all members of the group equally.  That includes all group insurance--whether you got it from a job, a trade group, professional group, or social group membership.  There may be an exclusion period at the beginning where you can't make a claim, but that shouldn't last longer than 90 days. 

This was exactly how my coverage worked and it shocked the hell out of me.  I thought I would go a year before they would cover me and I was way wrong.  Within 30 days I was covered.

 


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.