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.
July 30, 2015, 04:59:21 PM

Login with username, password and session length


Members
Stats
  • Total Posts: 671170
  • Total Topics: 51833
  • Online Today: 189
  • 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: Just Recieved A Job Offer With Health Insurance  (Read 1017 times)

0 Members and 1 Guest are viewing this topic.

Offline geezlouise

  • Member
  • Posts: 11
Just Recieved A Job Offer With Health Insurance
« on: December 18, 2014, 10:35:27 PM »
I'm a recent graduate, and I'm just beginning my career at 26. The job I was offered comes with benefits, and I have some questions about Employer-provided Health Insurance. I live in Texas and I want to know if my HIV status will be disclosed to my employer. I'm a bit nervous, because.. Texas. I'm unsure if I should accept the insurance or shop for insurance on my own.


Offline absopozilutely

  • Member
  • Posts: 406
  • Love to chat/text/talk/encourage!
Re: Just Recieved A Job Offer With Health Insurance
« Reply #1 on: December 18, 2014, 11:51:52 PM »
There are HIPAA laws protecting you, what is the profession? Definitely take the health insurance!!!
12/18 Infected
2/4 12:22pm tested POZ via ORAquick
2/19 WB Confirmation
2/4-2/19 VL 104,678 CD4 407
3/2 Genotype back, and Started Complera
4/2-CD4 688 38% and VL 1,600
5/1-CD4 592 42% and VL 336
5/22-CD4 732 31% and VL 109 :( STILL NOT UD!
5/31 Switched to Stribild :( I'll miss you Complera!
6/19 CD4 508 35% and VL UD!!!!! Crying at work like a baby.
9/19 CD4 799 46% VL UD yayyyy

Offline geezlouise

  • Member
  • Posts: 11
Re: Just Recieved A Job Offer With Health Insurance
« Reply #2 on: December 19, 2014, 12:06:11 AM »
The Job is in Marketing, but I'm worried about the people at work finding out. Do you know if my employer can somehow find out about my status?
« Last Edit: December 19, 2014, 12:16:15 AM by geezlouise »

Offline AusShep

  • Member
  • Posts: 370
Re: Just Recieved A Job Offer With Health Insurance
« Reply #3 on: December 19, 2014, 09:19:57 AM »
The plan from your employer is pretty much guaranteed to be (much) better and lower cost than you can get on your own.  I'm in TX too BTW.

Don't worry about your employer finding out.  In all likelihood they will not, and even if the plan is self funded and something slips through, which is probably less likely now than in the past, there is no chance in hell the benefit director will talk to your boss or probably even know which person(s) are on meds, just that they paid for them, they're bound by the same confidentially as the insurance company.

Offline geezlouise

  • Member
  • Posts: 11
Re: Just Recieved A Job Offer With Health Insurance
« Reply #4 on: December 19, 2014, 12:48:42 PM »
The insurance plan offered would be United Healthcare, and it would be an HMO. I don't know much about insurance, but what do you mean self-funded. Does that mean the HR person would know?

Offline buginme2

  • Member
  • Posts: 3,426
Re: Just Recieved A Job Offer With Health Insurance
« Reply #5 on: December 19, 2014, 01:08:49 PM »
Your jobs not going to find out.  It doesnt work that way.  There are laws and protections in place to protect your privacy. 

Why the freak out? 

Your giving HIV way more power than it deserves. 
Don't be fancy, just get dancey

Offline AusShep

  • Member
  • Posts: 370
Re: Just Recieved A Job Offer With Health Insurance
« Reply #6 on: December 20, 2014, 01:00:49 AM »
The insurance plan offered would be United Healthcare, and it would be an HMO. I don't know much about insurance, but what do you mean self-funded. Does that mean the HR person would know?

Don't worry about self funded or HR. 

United is good, I've had them for several years, although I'd go with a PPO option instead of HMO if it's available to you.  You can now opt out of their specialty pharmacy mail order program which was required for HIV meds if you want, although I never had a problem with mail order when I used it.

Offline allanq

  • Member
  • Posts: 700
  • still life with pills
Re: Just Recieved A Job Offer With Health Insurance
« Reply #7 on: December 20, 2014, 11:08:38 AM »
Self-funded or self-insured means that the company funds its own insurance. The company itself pays all claims, rather than transferring the risk to an outside insurance company. Generally, only very large companies can assume this risk. Typically, the company that is self-insured uses the services of a company like Aetna or Cigna to administer the plan and process the claims.

With a self-funded plan, when you submit a claim or have any questions about a claim, you deal with the plan administrator, not your employer. I worked for a company that was self-insured, and I always felt comfortable that the use of the intermediary company to process my claims provided sufficient assurance of confidentiality.
« Last Edit: December 20, 2014, 11:16:42 AM by allanq »
Top (Breakfast): Prezista, Norvir, Isentress, Zoloft (2), Glyburide (2), Aspirin
Bottom right (Dinner): Prezista, Norvir, Isentress
Bottom left (Bedtime): Sustiva, Trazodone (2), Lipitor, Septra (no longer taking this)
Center: Alprazolam (Xanax)
Not shown: various vitamins & supplements

 


Terms of Membership for these forums
 

© 2015 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.