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Author Topic: Best HIV Insurance Network or Provider  (Read 388 times)

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Offline tryingtostay

  • Member
  • Posts: 171
Best HIV Insurance Network or Provider
« on: July 17, 2014, 11:52:56 AM »
I am looking to purchase Health Insurance.  What is the best HIV Insurance Network or Provider to get, regardless of what tier (monthly fee) ?

Thanks
Labs:
March 2014: CD4 1730 @ 41%, VL 87 without meds
May 2014: CD4 1309 @ 42%, VL <20 without meds

Offline NewAdventure1

  • Member
  • Posts: 28
Re: Best HIV Insurance Network or Provider
« Reply #1 on: July 17, 2014, 10:11:28 PM »
Not sure where you live, but I have Blue Cross. Great insurance coverage.
02/2013 Tested Negative
Exposure between 02/2013-10/2013
06/03/2014 Tested Positive
06/06/2014  VL 787 CD4 881
07/08/2014 VL 1756 CD4 813
07/27/2014 Started Complera

Offline BKKKevin

  • Member
  • Posts: 42
Re: Best HIV Insurance Network or Provider
« Reply #2 on: July 18, 2014, 12:51:02 AM »
It is hard to advise you without knowing where you live?... But I would reccomend a policy that covers your medication with a low copay (check their formulary) that is seperate from any deductable you must pay... Next look a coverage for tests - make sure they are also not subject to your deductable

Offline Since1993

  • Member
  • Posts: 89
Re: Best HIV Insurance Network or Provider
« Reply #3 on: July 20, 2014, 02:39:57 PM »
Make sure whatever plan choose includes medications you are currently taking and a healthy list of all antiretroviral medications in the event you need to switch medications.

Make sure you are enrolled in your states Ryan White Care Part B program, which will cover the costs of co-pays for these medications, payment of the insurance premiums, and any outpatient co-pay costs. 

Often, the out-of-pocket expenses paid for outpatient services by Ryan White Care Part B will help you reach your annual deductible and out-of-pocket maximum, thus reducing your exposure to huge medical bills.

It is important to consult with your local Ryan White Care Part B coordinator to make sure the plan you choose is one they will help assist with.
It is always permissible to private message questions related to Social Security Disability Process, Ryan White/ADAP, Affordable Care Act, Medicaid, Medicare and pharmacy coverage issues.  I am not an expert, but have a lot of experience to share in navigating the maze towards staying linked into care.  Supportive.  Healthcare background.  Not a physician.  Not Mr. Personality, flat affect at times.  Working on it.

 


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