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Author Topic: help  (Read 1518 times)

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Offline ZeldaDC

  • Member
  • Posts: 26
help
« on: November 10, 2021, 07:48:48 pm »
Im getting a health insurance for the first time and Im kinda lost how an wich ones are the best options for me... I have an appointment with a insurace navegator the next week but any other recommendations are allways valued.

Is there any free tool to compare the different plans or companies... Im looking specifically an insurance that covers Dovato or at least give me a affordable copay.

Thanks.

Offline FarmBoy

  • Member
  • Posts: 14
Re: help
« Reply #1 on: November 11, 2021, 04:27:44 pm »
There are so many different insurances out there: employer based or Obamacare site.  The healthcare.gov site will compare the ones available to you through them.  Be sure to check your doctor, pharmacy, and medications are covered.

A tip is to get the Viiv Copay card if you have private insurance.  They will cover up to $6250 of your out of pocket expenses for Dovato.  Then get an insurance that will match that amount for the out-of-pocket or at least the deductible portion of the insurance.  I get a cheaper HSA policy with a $6000 deductible.  I've been on Triumeq and now Dovato for the last 6 years and the Viiv Copay card has covered all my deductible every year.  I schedule my Rx for the 1st week of Jan and 1st week of Feb so after that my deductible is met and I'm good for the rest of the year - only have to pay the copay for other medical and no copay for the Dovato each month thanks to the copay card.  It's in the pharmacy's system and they handle the transaction directly.

https://myviivcard.com/
7/25/16 - Infected
8/4/16 - Sero-conversion started (flu, then fever, fatigue most of August)
8/29/16 - hospitalized O.N. for dehydration; tested
9/1/16 - Dx'd (confirmed WB 9/2)
9/6/16 - CD4 1395 (15%); VL 275,904; genotyped
10/5/16 - CD4 800 (27%) Started on Triumeq
11/2/16 - CD4 699 (26%); VL <20
1/11/17 - no CD4; VL <20
5/17/17 - CD4 742 (22%); VL <20
11/15/17 - CD4 745 (33%); VL <20
5/16/18 - no CD4; VL <20
11/28/18 - no CD4; VL <20
05/29/19 - no CD4; VL <20
07/01/19 - switched to Dovato
11/20/19 - CD4 835 (32%); VL <20

Offline scooter24

  • Member
  • Posts: 51
  • Still here!
Re: help
« Reply #2 on: December 15, 2021, 09:21:29 am »
You should be able to check formularies to confirm your meds are available. Iíve done the same thing as farm boy for quite sometime but ran into issues once because I had to use mail order and then did not count copay assist towards my cost sharing obligations. It required a work around of submitting the receipts to the copay assist and getting reimbursed directly. It was annoying and not feasible for everyone to do that. You might want to think about your expected expenses for the year and see how each would get paid.
12/4/13 Tested HIV -
12/2/14 Dx'ed HIV +
12/4/14 CD4 295 29% VL 1356 No resistances
12/19/14 Started Stribild
1/7/15 CD4 338 35% VL UD
2/17/15 CD4 329 35% VL UD
5/15 CD4 444 36% VL UD
7/15 Switched to Triumeq
9/15 CD4 526 40% VL <40
12/15 CD4 534 39% VL <40

 


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