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HIV Life >> Living With HIV

MstrAlex1
Newbie

Reged: 02/05/09
Posts: 3
Loc: Michigan, USA
Re: cost of hiv
      02/05/09 04:27 PM

I deal with the American system, but with the blessing of very good medical/drug insurance that continued even after I retired. Later this year I will move into Medicare coverage (age 65), which will increase my doctor costs (20% coinsurance rather than a flat $25 copay), but thankfully my drug coverage from my current insurace will continue.

Here is a breakdown of my expenses directly related to HIV:

  • Viramune and Truvada: $40 copay for each every 90 days ($320/year)

  • Infectious Disease specialist: $25 copay ($100/year)

  • Lab work: 20% coinsurance, about another $200/year

  • So that totals about $620/year.



  • Then there are some additional drug costs that are related to my Poz condition but are not specifically HIV drugs:

  • Valtex: $40 copay every 90 days ($160/year)

  • Bupropion (Wellbutrin generic): $20 copay monthly ($240/year)



  • If I did not have insurance here is approximate what I would be paying annually:

  • $ 4,545 - Viramune

  • $ 9,898 - Truvada

  • $ 4,023 - Valtrex

  • $ 1,858 - Bupropion

  • $ 1,000 - ID specialist

  • & 1,200 - Lab work

  • ---------

  • $22,524 - Approximate annual total expense



  • There is a far bigger cost, however, which is hidden, and that is lost wages. While my HIV viral load has been non-detectable for years and my CD4 count ranges from 600 to 950, I have had chronic fatigue from day one since I seroconverted in early 2003. I was forced to retire in early 2004 and have only been able to work part-time since then. I was a computer systems administrator and rather well paid. Depending on how much I can work part-time as a contract employee my loss has been roughly $40,000 to $80,000 per year. This impacts my funds to live on now, but has permanently reduced my pension benefits for the remainder of my life.


    --------------------
    Life is a sexually transmitted disease and it is invariably fatal. No one gets out of this alive!


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    Entire thread
    Subject Posted by Posted on
    * cost of hiv hopefulone 02/02/09 09:30 PM
    . * Re: cost of hiv BrokenWingedBird   02/14/09 04:57 AM
    . * Re: cost of hiv sick_of_fuckwits   02/14/09 05:07 AM
    . * Re: cost of hiv TonyF   02/13/09 02:08 PM
    . * Re: cost of hiv bufguy   02/05/09 04:57 PM
    . * Re: cost of hiv MstrAlex1   02/05/09 04:27 PM
    . * Re: cost of hiv hopefulone   02/05/09 09:11 PM
    . * Re: cost of hiv Paul62Canada   02/04/09 08:15 PM
    . * Re: cost of hiv August69   02/07/09 06:13 AM
    . * Re: cost of hiv ScotCharles   02/04/09 10:48 AM
    . * Re: cost of hiv hopefulone   02/04/09 09:22 PM
    . * Re: cost of hiv sick_of_fuckwits   02/04/09 10:57 AM
    . * Re: cost of hiv ScotCharles   02/05/09 08:35 AM
    . * Re: cost of hiv hopefulone   02/05/09 09:16 PM
    . * Re: cost of hiv sick_of_fuckwits   02/04/09 04:15 AM
    . * Re: cost of hiv ScotCharles   02/03/09 06:31 AM
    . * Re: cost of hiv hopefulone   02/03/09 06:21 PM

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