September #51 : Caps Are On - by Gabi Horn

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Born to be Wild

Locked Up in Limbo

Amazing Grace

Chai Guy

Catching Up With...Ruby Amagwula

Desperately Seeking Separatists

Hack vs. Hacker

LA Snuff Film

Dole Banana Peel

Say What

Feel Like a Nuttall

Caps Are On

What Dubya Stands For

The Disability Dis

Emotional Rescue

The End of L’Affaire



Mother Inferior

Not for Adults Only

Get Over It

Lipo Handles

Topic of Cancer

Success Sucks

A Load of Fit

Thanks for the Complement

A Loaded Question

Message in a Bottle

Regarding Henry



Source of a Different Color

Mom's Recipe

Three Penny Opera

Letters to the Editor September 1999

Say What!

Woody Cheers on Rx Marijuana

Feel Like a Nuttall

Digest This



Not for Adults Only

Success Sucks

Facts Behind the Fix

Most Popular Lessons

The HIV Life Cycle


Herpes Simplex Virus

Syphilis & Neurosyphilis

Treatments for Opportunistic Infections (OIs)

What is AIDS & HIV?

Hepatitis & HIV

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September 1999

Caps Are On

by Gabi Horn

A federal appeals panel ruled in May that when it comes to HIV-related medical costs, insurance companies are within their rights to limit coverage. While an earlier ruling found that the practice violated the Americans With Disabilities Act, the panel interpreted the ADA as prohibiting businesses from excluding people with disabilities—but not from offering them inferior services.

The issue came to the fore last year when two Chicago men with HIV sued insurance giant Mutual of Omaha for limiting their coverage to $25,000 and $100,000 respectively, compared to million-dollar caps on other illnesses. Mutual admitted that there is no cost justification for the limits, and the latest ruling has infuriated AIDS advocates.

“It gives the insurance industry license to cap any health problem it chooses, regardless of the real costs of care,” said Ann Fisher of the AIDS Legal Council of Chi-cago. Representing the men, LAMBDA Legal Defense Fund indicated that the next stop may be the Supreme Court.

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