Question 21

A health insurance applicant's HIV test results may be reported to all of the following EXCEPT the applicant's employer.

HIV test results are typically considered confidential medical information and cannot be disclosed to the applicant's employer. This is to protect the individual's privacy and prevent discrimination based on their health status.

A) The applicant's employer

This option is correct because HIV test results cannot be disclosed to the employer due to privacy laws and regulations that protect sensitive health information. Employers are not permitted to access such personal medical data without explicit consent.

B) The applicant

This option is incorrect as the applicant has the right to receive their own HIV test results. It is essential for individuals to be informed about their health status for appropriate medical care and personal decision-making.

C) The applicant's designated physician

This option is incorrect since the applicant's designated physician can receive the HIV test results to provide appropriate medical advice and treatment. Healthcare providers require access to such information to ensure comprehensive patient care.

D) The Medical Information Bureau

This option is incorrect because the Medical Information Bureau (MIB) may access certain health information, including HIV status, but only under specific circumstances and with the applicant's consent. The MIB serves as a resource for insurers to assess risk and underwriting.

Conclusion

The correct answer is A, as HIV test results are protected under confidentiality laws, preventing disclosure to an employer. All other options involve entities that are authorized to receive such information, either directly or through consent, highlighting the importance of maintaining privacy in sensitive health matters.