Hiv Drug Insurance

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Get the Facts

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...

Ask the Experts

Can my group medical insurance refuse to cover the new HIV drugs Ineed?

...

Response from Nancy Breuer

WorkPositive, Inc.

Yes. If the drugs are considered "experimental or investigational,"the insurance company can deny coverage. This is usually defined as adrug not yet recognized throughout the medical profession in the U.S. assafe and effective for the... Read more »

HIV+ and looking for independent health insurance with prescription coverage: where to start?

My partner of two years is HIV+ and is about to start taking HIV medications. He cannot afford them, but he does not qualify for state assistance. He has also been denied by the drug assistance programs offered by the drug makers. Our last resort is...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

Your partner would have to apply for an individual health policy. Unfortunately, since he doesn't currently have coverage and he is HIV+, he might not be able to get an individual policy. If he does, he would be considered to have a... Read more »

getting private health insurance after HIV exposure at work.

I want to leave the dental field after exposure to HIV + blood. Physicians and drugs were covered by workmans' comp. insurance and after 2 months I am still negative. I am researching private insurance and they want to know about my historyin...

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.

Since you are HIV negative, you shouldn't have any problem getting insurance. The liklihood of you converting to HIV+ after two months is very small. If you should test HIV+ within 6 months of the exposure at work and it is due to this... Read more »

hiv+, medicines and no health insurance

If I am HIV+ and I have no medical insuarnce, then what's next? die?...

Response from Ewald Horwath, M.D.

University of Miami School of Medicine

The AIDS Drug Assistance Program or ADAP is a federal/state program that was developed to help people with AIDS gain access to antiretroviral medications. The Ryan White Program is the single largest federal initiative to provide support for... Read more »

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Long Term Disability Insurance and HIV

Posted by Anonymous, 1 Reply

$13,000. Worth of advice
about group disability insurance coverage.

When I first became fully disabled and unable to work I was worried but felt comfortable in knowing that I was covered by my employers long-term group disability policy. I knew that... Read more »

Just started ARV - Insurance, Drug costs, expenses

Posted by ajhope, 1 Reply

I live in Thailand and found out I am HIV+ a little over a month ago. My CD4 count was 251 and VL 29,000 - I started ARV 2 weeks ago with the following regiments:
Nevirapine 200 mg - once a day
Lamivudine 150 mg - twice a day
Stavudine 30 mg - twice... Read more »

Health Insurance

Posted by Anonymous, 1 Reply

I recently found out I'm HIV positive and I don't have health insurance. Does anything know of any resources for me? Are there any sites that can give me the information I need on how to go about getting insurance? I work part time and don't have... Read more »

Insurance carrier in NY/CT?

Posted by willy, 2 Replies

Hi, I'm wondering if anyone knows of insurance carriers in the NY/CT area that are particularly good to deal with if you have HIV? Or any that I should avoid? My COBRA policy is running out soon, my new employer doesn't provide insurance and I need... Read more »

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