Ohio Insurance Laws and Regulations Practice Exam

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What may an insurer require from an applicant when screening for HIV?

  1. An interview

  2. A urine test

  3. A blood test for HIV

  4. A written consent

The correct answer is: A blood test for HIV

When screening for HIV, an insurer may require a blood test for HIV because it is the most accurate way to detect the virus. A urine test may be used in some cases, but it is not as accurate as a blood test. An interview may provide helpful information, but it is not a reliable way to screen for HIV. A written consent is necessary to perform the blood test, but it is not the only requirement for screening. Overall, a blood test for HIV is the most reliable and commonly used method for screening by insurers.

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