| Life does not end the moment you are diagnosed for | | | | Federal laws. COBRA allows you to keep your policy |
| HIV positive. If you take good care of yourself and | | | | active extended up to a period of 18 months even |
| take your medicines properly, you can still live a very | | | | after losing your job. |
| long life, that too, without any complications. So, | | | | Self Employed Or Business Owners |
| considering the very fact that medical expenses are | | | | If you own a small business or work as a self |
| skyrocketing these days, it is very important for you | | | | employed individual, you can easily find several trade |
| to make sure that you have a good health insurance | | | | associations and business organizations, where you |
| policy in your hand to cover the catastrophic costs | | | | can get your health insurance coverage from. You |
| of the treatment. However, you may find it a very | | | | just have to get membership of those organizations. |
| difficult task to find a new policy while having such | | | | Getting Insurance Through State Government |
| medical condition because most insurance providers | | | | As a last resort, you can always bank on your state |
| do not provide coverage for such individuals. | | | | government. Every state in the United States of |
| However, you don't have to be disappointed. There | | | | America has special laws to support those individuals |
| are still several ways out there. | | | | who cannot get an insurance policy for health |
| Getting Insurance Through Your Employer | | | | coverage from other places. However, this option |
| If you are employed, you must try to talk to your | | | | can be a little expensive. You will be required to pay |
| employer and try to get as much coverage as you | | | | a much higher rate of premium. There are several |
| can with your policy. The good thing here is that in | | | | public and private agencies as well that can help you |
| case of employer-based health insurance, neither | | | | in this regard - these are state supported agencies |
| your employer nor the actual insurance provider | | | | that promote universal health coverage. |
| requires you to go through medical check up in order | | | | In fact, states like New York, California, and |
| to qualify for the policy. Remember, you will always | | | | Massachusetts have passed special legislation in order |
| need an active policy in your hand. So even when | | | | to guarantee health insurance coverage for |
| you are between jobs or jobless, make sure that | | | | everybody - regardless of whether he/she is in job |
| your policy is duly active. An easy way to do this is | | | | or jobless and regardless of whatever medical |
| to use your rights provided by COBRA under the | | | | conditions they have. |