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About Michael Higgins
Expertise
All questions pertaining to health insurance, whether group, individual/family, student, child-only, COBRA, HIPAA, Portability, dental. No expert knowledge in areas such as life insurance, disability, workman's compensation, auto, etc.
Experience
27 years as owner of health insurance agency, primarily dealing with Blue Cross Blue Shield of Arizona.
Education/Credentials
College, Business Administration.
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You are here: Experts > Money > Personal Insurance > Life & Health Insurance > Hep C
Expert: Michael Higgins - 11/9/2009
Question
QUESTION: I have a question. I was exposed to the hepatitis c virus.(I found that out 6 years ago).
I test positive on the anti-body test. Within the last 6 years, I've had 5 PCR tests. They all came back non-detectable. My doctor says my body rid itself of the virus (20% of the people who were exposed to it get rid of it). I still test positive for the antibodies.
I am healthy. My liver functions are normal.
Is there a health insurance company that insures people for health insurance in my situation?
If not, how could I find one?
I don't want to apply to a health insurance company and then they find out (with a blood test) I test positive for the hepC antibodies.
I'm afraid that will go on my MIB (medical information bureau) record.
thanks for the help and information.
Answer
Hello Ed:
Not all insurance companies deal with the MIB. As an example, Blue Cross of Az. does not, relying upon their own massive data base instead. Possibly the BCBS in your state does not use the MIB either.
As for the Hep C, I can only tell you what the underwriting would be in Arizona with BCBS. Each company and state has different rules and guidelines, but this information should give you a general idea of what to expect.
Your application with BCBS of Az. would, at best, exclude coverage for the Hep C. At worst of course is denial of coverage. They would ask for your medical records, then the Medical Director would make a decision. Your other option is to get on a group plan, though I'm sure you have already considered this.
Hope this helps,
Mike Higgins
www.higginscompanies.com
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