herpes health insurance
In some states it is legal for insurers to deny selling you a health insurance if you have a sexually transmitted disease like herpes. There are still companies that would provide you coverage but there are those that will decline to do so.
What is herpes?
It is caused by viruses of HSV-1 or HSV-2, millions are affected all over the world. Herpes could be asymptomatic. Some do not even know that they have it. They can pass it through their saliva and through oral sex and close contact. Major symptoms can be found near the eyes, rectum, genitals and lips. They can last for 2 to 3 weeks and then dry up and can be triggered by stress, depression, menstruation and they could sometimes recur for no reason at all. There is still no treatment for herpes.
What is the effect of herpes?
The herpes simplex virus cannot be felt by some people who are infected. They hardly know that it is there. But once it gets worse there are physical signs like blisters and there is also what we consider as psychological effects due to the social stigma. It can make a person lose confidence and feel stressed. Pregnant women can pass it to unborn children which are why it would be best to have a caesarean section to avoid transmitting it. Herpes is also strongly linked to HIV virus. There is a higher chance of acquiring HIV when you have herpes. It makes the body weaker.
Is herpes considered a serious medical condition for insurance policies?
health insurance herpes
The insurance company has a legal right to deny coverage based on your existing medical condition and yes they can deny you a health insurance if you have herpes. However, you have to tell the insurance company that herpes cannot cause death. It would only provide blisters. It is considered as an irritating skin irritation. Many do not know the difference and assume immediately. You have to find a way to enlighten them regarding the real effects of herpes. However, you do have to remember that they might still deny you the coverage due to the expensive medication of herpes and the treatment that is needed to reduce the pain. Many states allow insurance companies to deny insurance once sexually transmitted diseases are diagnosed. They would want to avoid exorbitant prices that are related to the treatment especially if you are pregnant.
