Gay-friendly health insurance
Filed under: Health insurance quotes, Instant health insurance
For many gay men who have AIDS, they are faced with a double problem: first, once they’ve tested positive, it is nearly impossible to find affordable insurance if they didn’t already have it through an employer, and even if that is the case, difficult once more if they lose it; second, there’s still the problem of finding a gay-friendly health insurance provider.
One great option is the AIDS Health Insurance Program, which is available to those who find themselves straddling the health insurance fence–those who make too much to get Medicaid, but not enough to afford the high prices of high risk insurance.
In order to be eligible for this gay-friendly health insurance program, you have to be unable to get Medicaid, and also have some kind of health insurance when you apply. Short term health insurance is a cheap, one time option you can use if you can make the effort to just insure yourself long enough for the application. However, you can’t just assume you aren’t eligible for Medicaid, even if you look on the Medicaid website for your state and see right there that you make to much–you first have to fill out an application and be denied, so that you can have this proof when you go get your insurance. It’s a hassle, but it’s worth it.
Quote for health insurance
Filed under: Health insurance quotes, Instant health insurance
Q: How can I get a quote for health insurance for a domestic partner in Texas?
A: First, you have to find out which companies in your state offer a quote for health insurance for your domestic partner. If you are currently insured through your employer, it might be a good idea for you to call up your company and throw out some questions about whether or not your domestic partner is eligible to be insured along with you and what effect that will have on the costs of your coverage.
Domestic partner health insurance availablility may also depend on the state and how it defines a domestic partnership, and this could affect your quote for health insurance.
In Texas, there are several companies which offer domestic partner coverage, and here is a short list:
- Atena
- Ameritas
- CIGNA
- Great West Life
- Guardian
- Kaiser Permanente
- Mutual of Omaha
- New York Life and Health
- Pacificare
- United HealthCare
