People who are HIV positive are living longer and leading healthy and fulfilling lives because of advances in drug therapies to control the disease. The life insurance industry has taken note and has started to offer life insurance products to those living with HIV. The life insurance rates for people with HIV are actually reasonable for some income levels.
Posts on equality: Lesbian, Gay, Bi-sexual, Transgender, Queer and Intersex topics, including HIV/AIDS and gay marriage and health care, insurance benefits.
Covered California has sent Certified Insurance Agents information and links on sensitivity and sales training for the Lesbian, Gay, Bi-Sexual and Transgender community. The sensitivity training presentation and social media icons were developed by Out2Enroll a national organization encouraging the enrollment of the LGBT community into Marketplace health insurance. While the overall information is good, there is underlying sales element that reduces the community down to dollar signs instead of human beings.
The Department of Health and Human Services has proposed health insurance rules that would prohibit the discrimination of health care services based a person’s gender identity. The proposed non-discrimination rule would apply nationwide to all health insurance offered through ACA Health Insurance Marketplaces. If the rule is adopted, transgender health related services could not be denied even in states that have not specifically enacted non-discrimination legislation.
Two Supreme Court opinions involving the Affordable Care Act and gay marriage have the net effect of uniting the states to act as one country. The tenth amendment to the constitution gives a fair amount of power to the states to enact laws that can directly conflict or undermine national policy set by the federal […]
With the City of Sacramento formally approving the installation of rainbow colored crosswalks in midtown Sacramento, proponents of the project hope they’ll now see a rainstorm of money to actually install the fancy crossing stripes. The rainbow crosswalk project at the intersection of 20th and K St. is as much an homage to the LGBTQ […]
With the passage of the Insurance Gender Nondiscrimination Act (IGNA), also known as AB 1586, all California health insurance plans must cover medically necessary transgender health care services. Unfortunately, many health plan customer service representatives and many health care providers are not aware of the law and have erroneously denied or delayed coverage and treatment […]
Anthem Blue Cross of California has included a section called Transgender Services in their Evidence of Coverage (EOC) documents for individual and family plans offered in California for 2015. While the seven paragraph section doesn’t provide a lot of details, it is a major step toward recognizing that individual plans must include such coverage to address the medically […]
An unexpected gift to my professional and personal life this past year of 2014 has been the numerous transgender men, women and families I became acquainted with as a health insurance agent. Through numerous conversations and correspondence I realized we had more in common with the transgender community than I previously thought. In reality, most of […]
The federal government is reaching out to behavioral health counselors and therapist to educate them on how the Affordable Care Act works so they can encourage members of the LGBT community to enroll in an ACA health plans. Sometimes the professionals who provide important health services through health plans offered through Healthcare.gov and CoveredCa.com can be the […]
Did the Supreme Court’s Hobby Lobby decision render the Female Genital Mutilation Act of 1995 null and void? While the Supreme Court specifically mentioned that their decision only applied narrowly to contraception mandated by the ACA, the bulk of the opinion and reasoning centered on the fact that the Religious Freedom and Restoration Act of 1993 (RFRA) […]