How much do you pay for your HIV related care out of pocket?

[LiveWithIt]

I'm just wondering how much people who are working pay for their medications and lab work and doctor visits.

[etaoinshrdlu]

My ID doc is my PCP. PCP visits are 100% covered by my insurance. Have a 10% copay on labs, which usually cost me $35-$40 every six months.

Meds are free. I always refill on as soon after January 1 as possible and use the ViiV assistance card, which takes care of my $3000 annual deductible. But I dunno how much longer that gravy train will last. My insurer still hasn't implemented the dreaded copay accumulator; it's probably only a matter of time. http://www.latimes.com/business/lazarus/la-fi-lazarus-healthcare-copay-accumulators-20180427-story.html

[Ptrk3]

Many forum members are in a similar situation as you (I am).

What I suggest is that you keep an eye out for notifications of insurances changes to the pharmaceutical component of your policy as the new benifit season approaches.

If you are (potentially) negatively impacted (that is, your medication is now provided through a retail brick-and-mortar pharmacy), research your insurance's mail-order pharmacy formulary and co-pays.

Read and understand your insurance policy, including the pharmacy formulary!

You may be shocked at how much you save by ordering via the mail.

You're right to be on top of this, because if you are impacted, you can plan and budget strategically.

Thank you for posting this: a good "heads-up" to all of us who need reasonably priced medication to stay healthy.

[Irish Eyes]

I'm in California, and originally had Aetna Blue Cross (?), through Covered California, who messed up a few years ago and I paid a one time bill of perhaps a couple of thousand dollars. They ended up not renewing my coverage and I am currently with Molina Marketplace through Covered California.
When I first got coverage (upon diagnosis) there was an income limit for ADAP of $50K.
Thankfully I am able to adjust my income to just below that amount.
In general, other than the $2000 bill, I haven't had to pay a single dime for ANYTHING.
No copay, no medical insurance premiums, currently $432.00 per month, no blood draw, no medication, no nothing.