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Author Topic: Best HIV Insurance Network or Provider  (Read 1678 times)

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Offline tryingtostay

  • Member
  • Posts: 553
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) ?


Offline NewAdventure1

  • Member
  • Posts: 41
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 38%
07/08/2014 VL 1756 CD4 813 38%
07/27/2014 Started Complera
09/08/2014 Undetectable VL!
11/2014- Undetectable VL
2/2015-:Undetectable CD4 771 39%
7/2/2015: VL UD
11/16/2015 : VL-UD CD4 804 43%
3/18/2016 : VL- undetectable
7/25/2016 : VL -UD CD4 1104 41%
8/25/2016 Switched from Complera to Odefsey!

Offline BKKKevin

  • Member
  • Posts: 105
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: 108
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.


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