Meds, Mind, Body & Benefits > Insurance, Benefits Programs & HIV

Disclosing to HR person, who I will be sharing an office.....ughhh

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skeebo1969:

--- Quote from: camille07 on October 27, 2012, 03:38:53 PM ---skeebo-  from what i read on other forum posts, if it's through a company's insurance, having a pre-existing does not affect my insurance.

--- End quote ---

That is what my wife and I thought too, however, Blue Cross Blue Shield of Alabama states otherwise.   In one of the clauses in our policy it states that we would have to wait 6 months until coverage would kick in regardless of the circumstance. 

It's strange that they ask you if it really doesn't matter.

In our case, after dealing with HR, and getting a very frustrating run around, we had a friend who works for United Health look into our policy for us-- they can be rather wordy.

She found, in our case, since we had insurance through our last employer that as long as we provided a letter of credibility showing a lapse of insurance  of no more than 30 days that we were excluded from the pre-existing clause in our current policy.

This was something the current HR person failed to tell us and/or realize. 

camille07:
I have NJ Horizon now and will be switching over to aetna.  Aetna says on the form "This information may ONLY be used to determine if a condition is pre-existing condition.  You CANNOT be denied coverage under a health benefits plan on the basis of accurate responses to the following questions.  Carriers can only use this information  to expedite the processing of claims...(SURE)!

Then it goes on to ask all the questions....have you in  the last 6 months be diagnosed or treated for any of the following: a laundry list of illness

Then if you answered yes to the above....

I'm going to try to contact my doctor, but we're about to get hit with the mother of all storms in the next few days.  I will keep you posted as someone might learn  something from this.

As for the neighbor, she's on so many meds that I think it makes her memory shotty.  She gets a pass from me.  Never kept her from being a very loving neighbor.

emeraldize:
Good luck with the storm.

This backs up what Skeebs was sharing (closer to the end of the piece) -- worth reading before dialing up the doc. Super basic info. http://healthinsurance.about.com/od/healthinsurancebasics/a/preexisting_conditions_overview.htm

Glad the neighbor is a keeper. Would not trade conditions for sure. Stay warm and dry.

Great to see your name pop up.
Em

skeebo1969:

--- Quote from: camille07 on October 27, 2012, 04:04:56 PM ---I have NJ Horizon now and will be switching over to aetna.  Aetna says on the form "This information may ONLY be used to determine if a condition is pre-existing condition.  You CANNOT be denied coverage under a health benefits plan on the basis of accurate responses to the following questions.  Carriers can only use this information  to expedite the processing of claims...(SURE)!

Then it goes on to ask all the questions....have you in  the last 6 months be diagnosed or treated for any of the following: a laundry list of illness

Then if you answered yes to the above....

I'm going to try to contact my doctor, but we're about to get hit with the mother of all storms in the next few days.  I will keep you posted as someone might learn  something from this.

As for the neighbor, she's on so many meds that I think it makes her memory shotty.  She gets a pass from me.  Never kept her from being a very loving neighbor.

--- End quote ---

That's certainly good to hear.  To be honest I thought Obama had wiped out all of that pre-existing mumbo jumbo, so I was quite shocked when the wife and I had to jump through hoops to get around it.

Your neighbor is something else..lol

I've disclosed my positive status to two HR departments thus far since being diagnosed.  I've had nothing but good results come about because of it.  The job I had in Florida had a point system in place for employees who missed days for various reasons.  Once you reached 5 points you were out the door.  While I never abused it in any way, the point system did not apply to me, at least for absences that is.   If I was sick I had a special number to call in Boston, the company headquarters, and it was immediately excused.

Good luck with everything, and let us know how it goes.

Skeebo

phildinftlaudy:
I have Aetna also - through my employer paid coverage - they have no problem w/ pre-existing conditions...

As for the HR person, I would probably preface her viewing the document with a statment to her (in a friendly way of course) that you trust that she will keep your status in confidance - or, perhaps she doesn't have to see the attached sheet (maybe that is why the insurance company does that - so that the employer/HR person who handles the paper application only sees that you have a pre-existing without knowing exactly what the diagnosis is -

You could always call the insurance company rep and see if you can send the sheet in separately or put it in a sealed envelope separate from the app w/ pre existing checked and attach it...

Although, I am hopeful that the HR person that you are working with is like most of the people that I have encountered at my job who know my status ---- they have really had a non-reaction, and if anything, have been nothing but supportive.

Best to you on the new job!  Aetna is a pretty good plan overall - Mine is an HMO, but open access, so I don't need referrals to see a specialist as long as they are in-network.

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