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Information about all aspects of finances affected by a serious health condition. Includes income sources such as work, investments, and private and government disability programs, and expenses such as medical bills, and how to deal with financial problems.
Information about all aspects of health care from choosing a doctor and treatment, staying safe in a hospital, to end of life care. Includes how to obtain, choose and maximize health insurance policies.
Answers to your practical questions such as how to travel safely despite your health condition, how to avoid getting infected by a pet, and what to say or not say to an insurance company.

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Newly Diagnosed With HIV

Pay attention to your financial basics such as paying your rent on mortgage on time. Keep track of medical expenses. They may be deductible.

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Whether you pay your rent, mortgage and credit cards on time affects your credit rating. In turn, your credit rating will determine how much money you can borrow and at what price if you need money. You may need money to pay for your medical expenses or to keep your lifestyle. Credit rating also impacts areas of life such as automobile insurance premiums. Do what you can to protect and improve it.

Do not let any insurance policy lapse for non-payment. The last thing you need at this point is a large economic loss that could have been insured against.

When you keep track of medical expenses, include the cost of getting to and from doctors. Medical expenses may be deductible for tax purposes.

Keep track of medical expenses. Include the cost of getting to and from doctors. Medical expenses may be deductible for tax purposes.

  • If you pay the bills, you'll want to know what services were received so you can easily review the bills and notices you receive.
  • If an insurer pays the bills, it is important to keep track so the insurer doesn't pay for services not received. Saving the insurer money ultimately saves you money.
  • Medical bills may be deductible from your Adjusted Gross Income for income tax purposes. If a family member or friend pays medical bills for you, they may be deductible for the person who pays the bills. 

Don't pay a medical bill just because you receive it. Many health care providers send insureds bills even if the amount is covered by insurance. Check the bill to be sure:

  • That the service was received AND
  • That you owe it instead of the insurance company. 
  • If you owe a bill, you can likely negotiate the amount due.

Tell your personal lawyer, accountant and financial adviser about your health condition.. The more they know about you, the more they can help.

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