High Risk Medical Insurance For Hiv

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Getting HIV Drugs

Table of Contents Health Insurance AIDS Drugs Assistance Program Medicare Drug Company Programs Clinical Trials Buyers' Club Seeking Help Health Insurance Health insurance usually covers most of the cost of prescription drugs,including HIV drugs. The best way to get health insurance is to work for anemployer who provides it. Some employers, especially small businesses, do notoffer health insurance. If you do not work, or...

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Relocating - Starting a Business - HIPPA and High Risk Health Insurance Pools

I am planning to relocate a start a business and have some questions regarding how this decision will impact my access to health care incurance.I am have been covered by the same employer's group policy for the past 10 years. The policy...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

I will try to answer each of your questions.First, with respect to COBRA, if your employer has a self-insured plan that has both an in and out of network benefit, you should be able to get COBRA coverage even if you move to a state where your... Read more »

Employer xclld insurance; denied by risk pool

We live in Texas, and I am beginning to think we have no options left. My husband's employer cancelled the insurance (only 20 employees, so no COBRA available), but to offset the cost of getting individual insurance, they are giving everyone...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

I am not familiar with Texas law but it does surpise me that insurance companies in Texas don't have to offer a HIPAA policy if they have a risk pool. I am basing this on my understanding of state requirements and that is that a state must... Read more »

HSA / high deductible / high out of pocket insurance.

I do not qualify for any insurance assistance programs due to my salary. My insurance at work changed to a HSA policy with a $1500 deductible and $4000 out of pocket. I also just priced my meds under the new plan. The first time I fill the drugs it...

Response from Jacques Chambers, C.L.U.

HelpWithBenefits.com

I wish I had a direction to point you towards. It sounds like you don't qualify for ADAP due to income, and you are already taking advantage of the manufacturer discounts available to you. Your issue is having to pay up front and get... Read more »

protected sex with a high HIV risk category person

Hi Doctor,I had 2 instances of protected sex with a sex worker in first week of Jan 2013.Act One:a) Used condom, it did not fail and as far as I understand, was properly used - it was worn down until the bottom of penis with 3-4 cms of penis...

Response from Richard Cordova III

Test Positive Aware Network

Hi there:I do not think you need to be concerned. Protected vaginal sex and unprotected oral sex are not high-risk activities. Touching the condom with your bare hands did not put you at risk.I do not think you need to test for this incident.In... Read more »

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Life Insurance for people who areHIV+

Posted by Anonymous

I just received information about Life Insurance that might be helpful to someone who is HIV+. I have located a High Risk Insurance Company which is called IMPAIRED RISK SPECIALIST INC. The company has a plan called E.Z. 123 HIV.
The requirements... Read more »

HIV+ Small Business Owner w/ Insurance Question

Posted by tmd6972, 2 Replies

I'm just curious if there are any other HIV+ small business owners out there that have dealt with insurance issues. We currently have BCBS and I'm covered for medical and presccription BUT it comes at the cost of our insurance for other employees... Read more »

High Risk Contact, ARS Symptomatic, and Scared

Posted by desertfox, 2 Replies

I'm writing this to relieve tension. I am a worrier by nature (Taken anxiety meds before# but I'm also very analytica and honest with myself. What I am not is smart when it comes to thinking with the head on top of my shoulders vs the other guy... Read more »

very high risk, boyfriend hiv+, am in a panic

Posted by Anonymous, 4 Replies

i live in italy. i met him last april and fell in love with him immediatelly. i knew there was something going on. in june i found out thru a common friend he had had hepatitis b. I asked him several times if he might be hiv+ he answerd no. in june... Read more »

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