Colorado Life Producer License Practice Test

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Does a person with HIV automatically get declined for medical coverage?

  1. Yes, due to medical standards

  2. No, that would be discrimination

  3. Yes, based on pre-existing conditions

  4. Only if they have other health issues

The correct answer is: No, that would be discrimination

The correct response indicates that a person with HIV cannot be automatically declined for medical coverage due to discrimination. In the context of healthcare, anti-discrimination laws protect individuals from being denied coverage based on specific health conditions, including HIV. This is particularly relevant under the Affordable Care Act, which prohibits insurers from denying coverage based on pre-existing conditions. Such protections ensure that individuals living with HIV have access to necessary medical care without being subjected to discriminatory practices. Therefore, the idea that automatic declination based on HIV status would be discriminatory aligns with the legal and ethical standards established in health insurance practices.

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