How to buy insurance if you have AIDS

Filed Under: Costs, Health reform

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A new website detailing insurance-buying tips for people with AIDS has been launched by the Kaiser Family Foundation.

People with AIDS can no longer be denied insurance coverage because of a pre-existing condition under the Affordable Care Act; one in four uninsured people have AIDS, the site says, so these people will benefit greatly from the law.

“Starting January 1, 2014, no one can be denied health insurance or charged more because of a pre-existing health condition such as HIV. And insurers can no longer limit how much they’ll spend on your medical care —over a year or your lifetime. These are important changes for someone with HIV,” the site says.

“Many people today get health insurance through an employer. Some purchase coverage on their own. And, others, including many people with HIV, are covered by the government-run health programs Medicaid and Medicare.

“Most Americans are required to have health insurance starting in 2014, or pay a fine if they don’t.

“If you already have coverage that you are satisfied with, you don’t need to do anything and likely you won’t notice any changes. If you are in need of health insurance, there are now some more options available to you.”