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Author Topic: Meds/Insurance  (Read 1209 times)

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Offline gatorbye

  • Member
  • Posts: 10
Meds/Insurance
« on: June 14, 2007, 10:06:40 AM »
Hello everybody....this is my very first post on here and I have been a lurker for about a year and I have learn a lot by reading the threads and have been blessed with a good health, no side effects whatsover and ive decided to ask for some help/advice or whatnot...

Anyways, I started a new job 2 years ago and I was on my old insurance for awhile and that includes my meds. The way our prescription ins works is, I have to go to a pharmacy and give them my prescription and they will bill me and then my company will reimburse me for that particular bill. I work for a medium size company in the heart of fla where being + is not really a good idea. My concern is that, I dont want them to know that I am pos and IF I give the pharmacy bill for them for reimbursement, they will find out what I got, since the medication will be writted on the  bill right? Please help on what I should do. My boss is also gay (closeted) and doesn't know about me being pos( he knows i am gay though)

Thanks a lot!!!!! Any suggestion/comment is really appreciated. ???

Offline jntmax39

  • Member
  • Posts: 81
Re: Meds/Insurance
« Reply #1 on: June 14, 2007, 10:27:38 AM »
I have noticed that people who are neg. don't know the names of hiv meds
So although the names of the meds may go to your employer they don't send info about that med or what it's for. It's against the law to do that.
I also live in FL. And your right Fl (the area that I live in anyway) doesn't have much support for people like us.
It's good that you come on here,it has been good for me.
Good luck. If you need to talk you can pm me anytime.

Offline gatorbye

  • Member
  • Posts: 10
Re: Meds/Insurance
« Reply #2 on: June 14, 2007, 10:33:51 AM »
thanks a lot jntmax39..... i have to pay a deductible for my healthinsurance but the company pays that deductible, i have no idea why its like this....thats why they need the bill from the pharmacy and this will be the first time i am going to use the company health insurance and i just went to CVS and they said I have to pay 755 for the copay which the company will reimburse me thats why i was hesitant to use our company ins or use the county prescription program which i really dont want to use unless i really have to.

Offline budndallastx

  • Member
  • Posts: 463
Re: Meds/Insurance
« Reply #3 on: June 14, 2007, 12:22:36 PM »
Does your company actually cut the check or do they have a TPA (Third Party Administrator) navigate the regulatory issues.  I work for a company that pays out their claims but the complexity of the insurance regulations forces them to use a TPA.

Under HIPAA, the people processing your payment are not allowed to discuss this with anyone.  So are you paying the full price of the meds or just your co-pay?

Meds since: 11/20/2006
Sustiva / Truvada
12/08/2008 VL:<48 CD4 622 (38%)   
9/8/2008 VL:<48 CD4 573 (30%)
5/2008 VL:<48 CD4 464 (30%)
1/2008  VL: <50  CD4 425(28%)
9/2007   VL: <50  CD4 465 (27%)
6/2007   VL: <50   CD4 443 (26%)
3/2007  VL: <50   CD4 385 (25%)
12/2006 - VL: <50   CD4: 384 (25%)
11/2006 - VL:  22K  CD4: 208 (18%)

Offline gatorbye

  • Member
  • Posts: 10
Re: Meds/Insurance
« Reply #4 on: June 14, 2007, 01:14:50 PM »
my company pays the deductible which is abt 1200 then the copay will go down to 30 or 50 depends on the medications youre getting. and yes they will cut the check for me if i pay the deductible first hard at the pharmacy.

 


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