Life insurance company denies coverage to man taking Truvada

  • metta

    Posts: 39144

    Sep 16, 2015 4:19 PM GMT
    Life insurance company denies coverage to man taking Truvada

    " Mutual of Omaha turned him down, saying they do not offer coverage to anyone who takes it."

    http://www.lgbtqnation.com/2015/09/life-insurance-company-denies-coverage-to-man-taking-truvada/
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    Sep 16, 2015 8:08 PM GMT
    Yet another case in which neither the headline writer or the roboposter actually read the story. icon_rolleyes.gif

    ... although a 61 y/o guy going on PrEP sounds awfully optimistic. But hey, maybe those bingo games get wilder than I realized.
  • InsatiableBlo...

    Posts: 442

    Sep 16, 2015 9:13 PM GMT
    MuchMoreThanMuscle said
    mindgarden said

    ... although a 61 y/o guy going on PrEP sounds awfully optimistic. But hey, maybe those bingo games get wilder than I realized.


    Given that you're in your fifties that should give you hope, right?

    Get your bingo chips ready, bud.




    This.
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    Sep 17, 2015 12:47 AM GMT
    Wait....what am I missing here? This guy expects his insurance company to pay for this? Why?
    He's not sick!!! It doesn't matter that he's 61 or Gay. I don't see how he's suing on grounds of discrimination.

    He wants to take it as a preventative. So? Then take it and pay for it himself! Why shouldn't the insurance company deny paying for something that this man wants to take just because he wants to?
    (And before the repukes chime in....I also do not think it's right that insurance companies, or employers, have to pay for contraception.)

    Give me a break.
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    Sep 17, 2015 6:17 AM GMT
    Musclefetish saidWait....what am I missing here? This guy expects his insurance company to pay for this? Why?
    He's not sick!!! It doesn't matter that he's 61 or Gay. I don't see how he's suing on grounds of discrimination.

    He wants to take it as a preventative. So? Then take it and pay for it himself! Why shouldn't the insurance company deny paying for something that this man wants to take just because he wants to?
    (And before the repukes chime in....I also do not think it's right that insurance companies, or employers, have to pay for contraception.)

    Give me a break.

    My thoughts exactly.
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    Sep 17, 2015 10:00 AM GMT
    MuchMoreThanMuscle said
    Musclefetish said Why shouldn't the insurance company deny paying for something that this man wants to take just because he wants to?
    (And before the repukes chime in....I also do not think it's right that insurance companies, or employers, have to pay for contraception.)


    Let me guess, Republican?


    Asking me if I'm a repuke? Really? Ummm....no.
  • NursePractiti...

    Posts: 232

    Sep 17, 2015 11:07 AM GMT
    Are you ok with employers paying for Viagra? How about drugs that help people to stop smoking?
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    Sep 17, 2015 6:12 PM GMT
    David666k said
    Musclefetish saidWait....what am I missing here? This guy expects his insurance company to pay for this? Why?
    He's not sick!!! It doesn't matter that he's 61 or Gay. I don't see how he's suing on grounds of discrimination.

    He wants to take it as a preventative. So? Then take it and pay for it himself! Why shouldn't the insurance company deny paying for something that this man wants to take just because he wants to?
    (And before the repukes chime in....I also do not think it's right that insurance companies, or employers, have to pay for contraception.)

    Give me a break.

    My thoughts exactly.


    This is about a life insurance. Not a health insurance. This is not about a health insurance company paying for the Truvada. It's about a life insurance company denying a life insurance policy. Based on the guy taking a preventive medication.
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    Sep 18, 2015 12:38 AM GMT
    It seems no one commenting read the article. He applied for a long term care policy through Mutual of Omaha. A long term care policy typically pays nursing home care or home care when an individual can no longer take care of himself.
    Usually, one pays on the policy many years before any benefit begins.
    He was denied coverage because he stated he was taking Truvada as a preventative for becoming HIV positive. He is HIV NEGATIVE. He is not asking for
    anyone to pay for his meds. He feels he is being discriminated because he is gay.
    If anything, he feels by taking Truvada as a preventative, the likelihood of him having to use the long term care policy is lessened.
    I think he has a good case, but all insurance companies have underwriting guidelines. They could claim they would deny anyone taking Truvada as a preventive, straight, gay, or whatever would be denied, so it will be interesting to see what the courts have to say. A good question for the insurance company would be, "what reason would they deny the coverage because someone was
    taking Truvada as a preventative?"
  • LJay

    Posts: 11612

    Sep 18, 2015 8:58 PM GMT
    The last time I checked, it is possible to have HIV transmission in a heterosexual context also. Does this mean that gay is the issue or that Truvada is the issue? To put it another way, if someone is proactive in protecting their health, whether they are straight or gay, does it preclude their purchasing long term care insurance?
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    Sep 18, 2015 10:02 PM GMT
    nursemuscle saidAre you ok with employers paying for Viagra? How about drugs that help people to stop smoking?

    Hi I'm assuming you are addressing me?
    Am I OK, with employers paying for Viagra? Absolutely not! (It's not a medical necessity.)
    Drugs for people to stop smoking? I think they should BUT for only 6 mos. Having an idiot whom does smoke will cost money to treat the moron. (Personally I wouldn't insure someone who smoked.)
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    Sep 19, 2015 12:47 PM GMT
    Musclefetish saidDrugs for people to stop smoking? I think they should BUT for only 6 mos. Having an idiot whom does smoke will cost money to treat the moron. (Personally I wouldn't insure someone who smoked.)


    You do realize that HIV/AIDS treatment is far more expensive than Truvada, right?

    By your own logic they should be providing this because it will work out to be cheaper in the long run.
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    Sep 19, 2015 3:30 PM GMT
    GwgTrunks said
    Musclefetish saidDrugs for people to stop smoking? I think they should BUT for only 6 mos. Having an idiot whom does smoke will cost money to treat the moron. (Personally I wouldn't insure someone who smoked.)


    You do realize that HIV/AIDS treatment is far more expensive than Truvada, right?

    By your own logic they should be providing this because it will work out to be cheaper in the long run.


    I don't agree with you. Using Truvada as a preventative is very commendable. But that's something someone elects to do. And they should pay for it.

    And yes I do realize that HIV/AIDS treatment is MUCH more expensive than Truvada. But why do you think that someone else should pay for it? There are other means to protect against HIV. People have to take personal and financial responsibility for themselves. If you feel that you can not adequately take the proper precautions in not contracting HIV/AIDS, then refrain from sex. (And I'm not implying that everyone with HIV/AIDS were not careful.)

    My feeling is that an insurance company, or employer should not be expected to pay for ANYTHING that is elective. I don't think that's the purpose of medical insurance. Once you are sick, or in an accident...etc, then yes that's what your insurance, (that we all pay premiums), is for.

    What I meant about smoking is that these morons whom have smoked have already damaged themselves. If insurers pay for drugs to help get them off of it, (for no more than 6 mos. at the insurance companies expense), then maybe they will prevent further expenses that they have to WASTE by treating someone that was stupid enough to smoke in the first place. (Personally I don't think that any insurance company should pay a dime for someone who damages their own body intentionally by smoking.)

    We have 3 people that we currently employee who have cost my family's insurer and our company tens of thousands of dollars in wasted medical treatment due to their smoking. If it were up to me I would fire them. And NOT pay for their continued medical coverage to treat the damage to their bodies that THEY caused by smoking. (But that's a whole other issue/subject.)
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    Sep 20, 2015 1:06 AM GMT
    themachine said
    David666k said
    Musclefetish saidWait....what am I missing here? This guy expects his insurance company to pay for this? Why?
    He's not sick!!! It doesn't matter that he's 61 or Gay. I don't see how he's suing on grounds of discrimination.

    He wants to take it as a preventative. So? Then take it and pay for it himself! Why shouldn't the insurance company deny paying for something that this man wants to take just because he wants to?
    (And before the repukes chime in....I also do not think it's right that insurance companies, or employers, have to pay for contraception.)

    Give me a break.

    My thoughts exactly.


    This is about a life insurance. Not a health insurance. This is not about a health insurance company paying for the Truvada. It's about a life insurance company denying a life insurance policy. Based on the guy taking a preventive medication.


    THANK YOU!!!!!
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    Sep 21, 2015 7:00 AM GMT
    As usual, apparently no one has read the friggin article, yet everyone has something to say about it. icon_rolleyes.gif