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Will My Insurance Cover Prescriptions For Hiv Drugs

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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

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.
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 »
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 »

Insurance cover

we are students and we have to find out about insurance cover when you have HIV...
Steve Berg

Response from Steve Berg

Insurance & Benefits Advocate AIDS Project Los Angeles (APLA)
Generally, people with HIV are denied individual health insurance policies as they are considered a poor health risk. Most people must depend on group insurance coverage through their (or their spouse or domestic partner's) emploment. Some can... Read more »

Covered by primary and secondary insurance

The HIV-positive person in question is covered by his own policy and secondarily covered by his wife's policy, which is a family policy. He has chosen to use his wife's policy to pay for his prescription drugs because the co-pay is lower....
Lynn L. Franzoi

Response from Lynn L. Franzoi

Worldwide Benefits for Fox, Inc.
If his wife's plan has a traditional coordination of benefits clause, I am surprised that the plan is paying when they know he has other coverage which is primary. Typically, the plan which covers the person as an employee is primary and pays... Read more »
Connect With Others

Prescription Insurance Emergency

Posted by Anonymous, 2 Replies
As a worker for the NYC government, I am finding that our medical plans cover less and less for prescriptions. The plan I am in now will not cover me adequately at all -- it has a $3,000 cap -- and I really need to know if there is anyone who can... Read more »

???? who will cover me???

Posted by soimnotalone, 1 Reply
Does anyone know of a life insurance agency that will cover people with hiv/aids? (other then work/group plans) Read more »

Insurance while in school

Posted by SA_Intellect, 1 Reply
Hello,

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 »

Kaiser Permanent Southern California Insurance

Posted by TwinsDad, 2 Replies
Hello,

I have Kaiser Permanente Insurance and I was wondering if you guys have some type of experience with them regarding HIV treatement. Do they cover all the medicines or treatment?
Should I get a different insurance? Please let me know. I am... Read more »