Can someone with AIDS or HIV get Health Insurance?

Answer:
Many health insurance companies offer coverage for persons with AIDS or HIV;

each plan will vary by insurance provider.

Health insurance companies do not like to insure anyone or anything with some pre-existing conditions, especially those who have tested positive for diseases like AIDS or HIV. Even some cancers and other diseases frighten off insurance providers.

Fortunately, (U.S.) Federal and State laws protect persons with such ailments against blatant discrimination by insurers. Typically, insurers must be very careful how they learn of AIDS or HIV presence, or how they may use such information, even if they provide testing themselves.

The coverage available for people in these situations might be more costly in some cases than coverage for healthier people, but there are also other helpful programs available (State, Federal) to persons with serious medical conditions and needs.

The best way to determine what coverage may be available for a specific situation is to work closely with a reputable health insurance agent or contact your State Department of Insurance or Insurance Commissioner's office.


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