Confermation of Hep C question

[EyesofBlue55]

At what time  are you officially diagnosed with hep C?I say its after they run the HCV RNA by PCR test.Correct me if Im wrong.They antibody test doesnt CONFIRM you have active virus.A friend of mine's husband tested positive on the antibody test but hasnt been confirmed.She wasnts to get him put on her insurance(she just married)and I told her she needed to do this BEFORE he has a genuine diagnose.All input greatly appreciated-cindy

[blondie717]

  Yea he might not even know his results for sure , depending on what facility did the testing ( back to the 2 things (bible)) Hopefully he did clear. I would do what everyone else says wait a bit and have the next 2? blood tests. And then go from there. But take it from exp. You have a window to place new spouces on your benifits, other wise you have to wait till the next open enrolement.  Good luck. Gin

[meakea]

Group insurance typically does NOT have exclusions for pre-existing conditions.  Your friend might find that it doesn't really matter that he has positive antibodies if it's group insurance.  

[nygirl7]

I'm sure that insurance companies know exactly what positive for antibodies means. That is their job and since 80% of those with antibodies do contract HCV I am sure that would be an issue to them.

[SusieS2010]

Unfotunately all the inusrance companies look at is the antibody test. So it may be too late regarding the insurance issue.

[EyesofBlue55]

All he knows now is he had a positive antibody test.Nothing else-how could that be lying?????

[Trish77]

Cindy, I think both FlGuy and Will give you good advice for your friend....to do nothing for awhile about the husband's condition and be careful to answer truthfully as it could disqualify him later if it's clear that they lied....but only answer what they ask for as well, offer nothing extra.  

Careful about him applying for trials or anything and no hurry to getting that PCR done just yet or it will look like they/ he knew.  Something to think about.

[EyesofBlue55]

I dont know if they ask those kind of questions on group insurance but technically he woulnt be diagnosed with  Hep C till he does the RNA by PCR.Hes also applied for some trials so either way.He could have cleared it.Just trying to help them do the right thing and whats best.cindy

[willbb]

  Just to add to what FIGUY  said...they want to make sure if there are any questions to be answered  on any forms to make sure they  divulge only what is asked for..at the same time  tho being explicitly truthful ...the first thing an insurance company looks for to deny any claims is deception on an app.

[FlGuy]

I agree to to insurance before diagnosis and further testing.  Otherwise it's a pre-existing condition.. Also, there may be a waiting period widow within which the insurance company can still deny coverage. So, even after he's "on the policy" it may be wise to wait a bit long before using the benefits.  Time for your friend to read the small print.