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Author Topic: Employer Insurance, ObamaCare and HIV  (Read 854 times)

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Offline hayyou

  • Member
  • Posts: 10
Employer Insurance, ObamaCare and HIV
« on: April 23, 2014, 07:48:46 PM »
I am curious about the effect ObamaCare has on HIV+ people getting on Smaller Employer Health Plans.  I know that previously, the cost increase to the Smaller Employer was a red flag and then HR would be "Notified" by the insurance company (or glance at the application as they were the person entering the info), and the HIV+ person would be terminated for some obscure reason.  I know, I know, I know, this is "Against the Law" and "Not how it Happens" and "Any decent company, would Never do that" but this is the real world.  It happens all the time. 
I am curious if ObamaCare has changed that at all.  I am looking currently, and luckily I have my own insurance, but I am curious about the effects may be.  I guess we may not know the real answer until the Employer Mandate is in effect.
"The secret to flying is falling and missing the ground" Douglas Adams

Offline Niceguy2013

  • Member
  • Posts: 59
Re: Employer Insurance, ObamaCare and HIV
« Reply #1 on: May 03, 2014, 05:57:08 PM »
I'm not with a small business buti have insurance through a large retail chain.  United Healthcare to be specific. I can only afford the basic plan due to my income. The company funds 200 into a spending account to help with copays but I'll be interested to see how far that goes with one appointment of lab work and follow up. Luckily I think Ryan White will cover anything I can't pay, but they are a payer of last resort.  I'm sure one appointment will eat up my whole 200. This means that I'm basically paying 80 bucks a month and still not able to afford to see a doctor for any other reason outside of my HIV treatment.

Offline BT65

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  • Member
  • Posts: 9,945
Re: Employer Insurance, ObamaCare and HIV
« Reply #2 on: May 05, 2014, 05:00:10 PM »
You cannot be denied for a pre-existing.  Not for health insurance.  If it were me and I was denied, I would pursue filing a claim. 
I've never killed anyone, but I frequently get satisfaction reading the obituary notices.-Clarence Darrow

Offline bocker3

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  • Posts: 3,386
  • You gotta enjoy life......
Re: Employer Insurance, ObamaCare and HIV
« Reply #3 on: May 05, 2014, 06:37:36 PM »
You cannot be denied for a pre-existing.  Not for health insurance.  If it were me and I was denied, I would pursue filing a claim.
Betty -- I think the OP was saying he was denied insurance -- rather he is concerned that if an employer finds out he/she is a "high cost" insured, they will find a reason to terminate him from his job.

I'm not sure how an employer would find this info.  I would guess that it might be easy with a very small employer to guess a new employee is behind a large increase in costs, but I still think it is a little far-fetched and not something that I would personally spend a lot of time worrying about.

Mike
Atripla - Started 12/05
Reyataz/Norvir - Added 6/06
Labs - Pre-Meds
Sep05 T=350/25% VL98,559
Nov05 288/18%  47,564
Current Labs
May2013 691/31% <20

Online mitch777

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  • Posts: 3,534
Re: Employer Insurance, ObamaCare and HIV
« Reply #4 on: May 05, 2014, 06:51:26 PM »
Betty -- I think the OP was saying he was denied insurance -- rather he is concerned that if an employer finds out he/she is a "high cost" insured, they will find a reason to terminate him from his job.

I'm not sure how an employer would find this info.  I would guess that it might be easy with a very small employer to guess a new employee is behind a large increase in costs, but I still think it is a little far-fetched and not something that I would personally spend a lot of time worrying about.

Mike

Mike, I think you meant that the OP wasn't denied insurance.
31 years hiv+ (oct. 2013) with a curtsy.

Offline vertigo

  • Member
  • Posts: 142
Re: Employer Insurance, ObamaCare and HIV
« Reply #5 on: May 05, 2014, 08:11:01 PM »
Under the Affordable Care Act, insurers are no longer allowed to raise rates for private group plans based on the medical conditions of individual employees.

Here is a link from HealthCare.gov that addresses that question from an employer's perspective (look at the question/answer box at the bottom of the page):

https://www.healthcare.gov/how-do-i-choose-insurance-thats-right-for-my-business/#question=will-i-have-to-pay-more-if-i-have-employees-with-health-problems

This was not the case prior to ObamaCare, and rate increases were a real problem for small group plans when one or more employees had major medical expenses.
« Last Edit: May 05, 2014, 08:16:17 PM by vertigo »

 


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