I want to change jobs, but Im afraid a new employer will not provide me with health insurance since my HIV is now a preexisting condition. Should I be concerned?
Under federal law an employer who provides group health insurance to its employees cannot exclude an employee from the coverage based on a disability or illness. Furthermore, as long as you do not go for more than two months without health insurance coverage, you should be given credit for your prior months of coverage and you may be able to waive completely out of any preexisting condition wait period that your new health insurance plan may include. It is always a good idea to have an attorney or benefits specialist review your policies and benefits before deciding to change employment.
