Insurance & SVR

[ksk3926]

I have been hep c free for almost two years now. When I am filling out insurance forms for example: Aflac and other forms, do I have to chech that I have had hep c in the past?

[mar148]

Interesting, my doctor indicated from his reporting point of view is if after 2 years post treatment one remains undetected you no longer have hep c and are cured.  But I agree maybe hep c test dated such and such indicates undetected for virus....

[meki]

You could write --- I have HEP C antibodies but do not have an active VIRAL LOAD.

If they call to question it say that you are "cured" from active hepatitis C - and if they need a doctor's note - then you can send them to your doctor.

[moahunter]

The 5 year thing sounds right. I noticed at my bank, when I was considering re-financing, that mortgage insurance says "have you had Hep C in the last 5 years". It is going to be a bit of a pain proving that I do not have a "high risk" lifestyle, if I decide to go for insurance, I guess. I will have to also prove I am SVR (if I am), so I guess it makes sense to ask for this in writing when you receive notification of it.

[jmjm530]

If asked if you've ever *had* Hep C, might write in something like "A recent blood test shows I do not have Hepatitis C, and see how that flys.

[mremeet]

If it asks if you've "ever" had HCV, than the honest and correct answer would be yes. If you said no and then later developed some kind of gastrointestinal/liver health problem (possibly related to injury caused by a past HCV infection), they could potentially deny you coverage and have a reasonable case for that denial. One thing I've heard is that life/health insurance companies might insure you in the future, but you have to demonstrate that you have been virus free with verifiable test results over a prolonged period of time (like 5 years or more). So keep records of your PCR test results and get tested on a regular basis (maybe annual or bi-annual), and keep the results on hand. You may eventually need them to demonstrate you're really permanently clear of the virus in order to get insurance in the future.

[ksk3926]

I do not have exact wording, it was just a thought. Right before I started treatment I tried to get that Aflac insurance that will pay your bills if you become too sick to work (I was trying to be responsible) and they wouldn't insure me because of the hep c. That really ticked me off. So now that I am HCV free I am just wondering........
Thanks,
Kathy

[nygirl7]

I guess we do have to check it off - considering we can't get life insurance or donate blood or organs........I THINK we are still considered poisonous, even though we arent.

I really don't know though and agree it would depend on the wording maybe.

[jdwithhcv]

The answer will depend on how they ask the question.  Can you post the exact wording on the form?

jd

[Deb_c430]

that is a good question, I don't know the answer to, your antibodies will still show in blood work.

But technically you are HCV free.
Bumping this up hoping someone will have answer

Deb