How to Get Health Insurance When HIV Positive
Even in the modern world, there is no dearth of people living in poor financial conditions, who find it extremely hard to have two meals a day, let alone afford their medical expenses. Most of the time, it is very difficult for HIV positive people to obtain health insurance or an insurance which covers HIV and AIDS treatment. This is quite an unfortunate scenario because the basic purpose of these health insurances is to help people in need. However, there have been some positive developments in recent years and if you are smart enough, you can get health insurance, even if you are HIV positive.
Instructions
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1
Get health insurance through your employer
Almost all major organizations offer medical insurance to their employees. If you work hard in the company and move up the ranks, the limit of your medical insurance will increase. Most companies do not need their employees to go through a medical test before offering them health insurance. Therefore, you should look to get as much coverage through your employer as possible because it will cover your AIDS treatment as well. -
2
Take your attorney’s opinion
If you are asked to pass a medical test before the medical insurance is offered to you by your company, you should consult your attorney for expert advice, if you are not willing to disclose that you are HIV positive. Some of the health insurance applications have such questions; however, your lawyer can guide you if the state gives you the right to privacy regarding the HIV positive status or not. -
3
Get health insurance for self-employed individuals
You can try to obtain health insurance as a self-employed individual or a small business owner. There are a number of business or trade organizations which offer health insurances without needing any kind of an undertaking. -
4
Consult your doctor
If you are still not able to find health insurance, it is highly recommended that you inquire about health insurance from your physician, who would be in the best position to guide you. Most of the doctors have connections with health insurance companies. -
5
Seek medical insurance if offered by your government
In some states, medical insurance is offered by the government, which also covers HIV positive treatments. Apply for medical insurance as a right, being a citizen of the state.
