Dee Randall wrote:
"jmcquown" wrote in message
. ..
Jke wrote:
I wouldn't get the test since there is no prevention for the
disease. But I would keep a closer eye on any possible symptoms.

And I'd always have the option ot change my mind and get the test
after all.

In this country, knowing you have a disease like HIV can make it
more difficult to get certain types of insurance (or at least more
expensive). You have to tell the company when you apply for the
insurance.

With individual health policies,
the underwriting guidelines are much more strict and often medical
records and/or a medical examination is required.

There are many insurance policies written for companies that do not
fall within the larger employers and the individual health policies
wherein could lie a problem with obtaining health insurance for the
individual.
Dee Dee

Yes, being a licensed agent, I am aware of that. But if the insured has not
been officially diagnosed it is not an omission nor a misrepresentation of a
health problem on an application. The company can't turn an individual (or
small group member) down based on the fact that another family member has a
heart problem.

Jill