Advertisement

The Body: The Complete HIV/AIDS Resource
Follow Us Follow Us on Facebook Follow Us on Twitter Download Our App
Professionals >> Visit The Body PROThe Body en Espanol

Will My Insurance Cover Prescriptions For Hiv Drugs

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

Getting HIV Drugs

...can let you know which drugs it pays for and what the income limits are for your state. Some states have a waiting list for ADAP. While in other states, the ADAP program is big enough to even cover some medical care and non-HIV medications such as those used to manage side effects. Medicaid Medicaid is a government-sponsored insurance program that covers healthcare and medications. If you are disabled, not working, or earning little...
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. Read more »

HIV Medical Insurance Providers for CA and AZ

I live in Arizona and also in California. I have HIV and am interested in obtaining medical insurance--Do you know of a service provider in either of these states which will insure me? If so, can you provide the name of the provider? Thanks.
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
...No. Contact an insurance broker to see what, if anything, is available. 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...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
...include questions relating to current health conditions, he should answer them honestly. Failure to do so could be considered insurance fraud and cause the coverage to be cancelled. Has he considered looing into what benefits might be avaialble... 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 this...
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
...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 illness.... Read more »
Articles
The Body's "Ask the Experts" Forums

FAQs About Insurance From The Body's "Ask the Experts" Forums

...insurance company cap HIV treatment benefits without capping other illnesses? Can my insurance company refuse to cover the HIV drugs I take? Life Insurance Which companies provide life insurance benefits to HIV-positive individuals... Read more »
The Well Project

Adherence to HIV Drug Regimens

... Table of Contents Strong Drugs to Fight HIV The Importance of Adherence Starting and Choosing HIV Drugs Barriers to Adherence for Women Overcoming Barriers Adherence Tips Finding Support Strong Drugs to Fight Read more »
The Well Project

Drug Interactions and HIV/AIDS

...Metabolism Drugs That Speed Up Metabolism Other Types of Drug Interactions Drugs and Other Substances That May Interact With HIV Medications Other Types of Drugs That May Interact With HIV Drugs Food Taking Care of Yourself ... Read more »
Test Positive Aware Network

Pick a Card, Pick a Plan

...all, pharmaceutical companies already provide some level of patient assistance to individuals who are unable to afford their HIV medications. These are typically for uninsured patients only and those who qualify financially. Qualifications vary... Read more »
Connect With Others

Just started ARV - Insurance, Drug costs, expenses

Posted by ajhope, 1 Reply
...(Tenofovir) instead. I've armed myself with loads of information about this disease in the past 5 weeks. I don't have any insurance but consider myself lucky to live here in Thailand where I (at least) can have access to good doctors and... Read more »

Insurance while in school

Posted by SA_Intellect, 1 Reply
...In a few years, I want to go back to school to quit my job and do a Master's degree full time. I thought a university student insurance plan would cover my medication but the vast majority have very limited prescription drug coverage (like... Read more »

Insurance Coverage PLEASE HELP

Posted by Anonymous, 7 Replies
...I had taken out a private health insurance policy just prior to my hiv status. I was told today that they would not cover me for a year because of exsisting condition. Read more »

There's Health Insurance and then there's....

Posted by TimmerInTexas, 3 Replies
...only 5 of my prescriptions would be approved by Secure Horizons' pharmacy, and that was probably only because 3 of the 5 are HIV drugs that an HMO can't deny. However, Secure Horizons DENIED my prescription for Fuzeon because it was being... Read more »