Q: What should HIV patients know about insurance?

A: Having HIV is not something that most people want. Other than experiencing incredible pains, having horrible health, a very low immune system, and other social problems, you know have another thing to worry about. Insurance problems are other horrible things that HIV patients have to experience. Here are some concerns that you should know about:

• Higher health insurance premiums

• A chance of not being insurable at all

• Work problems

• Higher life insurance premiums

• A chance of not being insurable for a life insurance policy at all

• Auto insurance premiums are higher

• Medication costs might not be covered

• Higher premiums as HIV condition gets worse

• Unstable insurance policies

• Difficult time switching to another company

• Quotes are harder to interpret

• Doctor visits will cost much more

• Harder to find care

• Harder to communicate with specialist

• Harder to find information online

• Very hard to find treatment

• Difficult to talk to insurers

• Communication problems amongst insurance companies