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Special Report HIV Testing: Does your health insurance cover it? A telephone survey was conducted in March 1996 at most medical insurers in Guam to find out if in fact any of them covered HIV testing. Here are the results: Insurer and Source  HIV Test Covered? FHP (Clare) Yes. Cannot exclude because FHP is federally qualified Health Maintenance Organization. (HMO) GMHP (Alana) Yes, for all accounts Health Shield (Alana) Yes, for all accounts HML (Jason) Yes, for federal accounts; no exclusions allowed No, for commercial accounts Medicaid (Marissa) Yes, if authorized and with medical justification MIP (Marissa) Yes, if authorized and with medical justification Multicover (Zeny) No. Staywell (Don) No, except commercial accounts of companies with 15 or more employees may opt to pay for coverage.