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Hiv Drug Insurance

Here's a taste of what TheBody.com has to offer on this topic:
Get the Facts
The Well Project

Getting HIV Drugs

Table of Contents Health Insurance in the United States Changes Due to the Affordable Care Act (ACA) AIDS Drugs Assistance Program Medicare Health Insurance Marketplaces Drug Company Programs Clinical Trials Buyers' Club Seeking Help Health Insurance in the United States 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...
Ask the Experts
Nancy Breuer

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 »

No insurance, not eligible for State Drug Assistance Program

I have been HIV positive for 7 years, and I was stupid enough not to get helath insurance when I still could have gotten one (I live in Louisiana). I have been recieving medication trhoriugh the Louisiana State Drug Assistance Program (LDAP), but I...
Benjamin Young, M.D., Ph.D.

Response from Benjamin Young, M.D., Ph.D.

Rocky Mountain CARES
Mark-Sorry to hear of your situation. I suppose that yours is a reminder to have medical insurance in the US, whenever possible.HIV medications are very expensive (our readers certainly don't need to be reminded of this fact) and for the... Read more »

Self-Insured Plan; Caps on Drugs

Can an employer who has a self-insured health plan exclude certain kinds of conditions or put a cap on prescription drugs to treat HIV? I seem to recall that I have read that employers are able to do this in self-insured plans. However, isn't...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
Medical plans are not required to offer prescription drug coverage, unless they are insured plans and the coverage is required by state insurance law. Self-insured plans can put a cap on prescription drugs, including drugs related to a specific... Read more »

How to obtain prescription drugs after insurance

My husband and I are self-employed. I had been searching for months for answers that we needed about insurance etc. and came across your website by accident. We were so glad that we did. You had answered many questions about HIPAA insurance. Our...
Nancy Breuer

Response from Nancy Breuer

WorkPositive, Inc.
Most states have an AIDS Drug Assistance Program (ADAP) that helps people obtain these expensive medications. You can learn about your state's ADAP program by doing a search for it on your state's government Web site. But I would suggest... Read more »
Connect With Others

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 »

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 »

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 »