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Author Topic: How much do you pay for your HIV related care out of pocket?  (Read 1296 times)

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Offline LiveWithIt

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  • Posts: 533
I'm just wondering how much people who are working pay for their medications and lab work and doctor visits.
Pray God you can cope
I know you have a little life in you yet.
I know you have a lot of strength left.

Offline etaoinshrdlu

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  • Posts: 19
Re: How much do you pay for your HIV related care out of pocket?
« Reply #1 on: August 13, 2018, 10:51:32 pm »
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

Offline Ptrk3

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Re: How much do you pay for your HIV related care out of pocket?
« Reply #2 on: August 14, 2018, 12:26:53 am »
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.
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Offline Irish Eyes

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  • A closed mind is a beautiful thing to lose
Re: How much do you pay for your HIV related care out of pocket?
« Reply #3 on: September 21, 2018, 04:04:30 pm »
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.

10/30/13          Exposure
Mid-Nov-Jan    Seroconversion (7-8 rough wks)
12.26.2013      WB dx. HIV+
02.01.2014      OraQuick (result Negative?)
01.31.2014      VL 250700
02.03.2014      CD4  491  26%
02.26.2014      CD4  503  26%
03.05.2014      HLA B6701  not present
03.18.2014      VL 530873 (typical fluctuation)
03.21.2014      Start Stribild
04.14.2014      VL 104 after 24 doses
05.12.2014      VL 129 after 52 doses
06.10.2014      CD4 940 32%
06.11.2014      VL 87
07.22.2014      VL 20
09.23.2014      VL 43
11.26.2014      CD4 1350 33%
01.26.2015.     VL 27
01.26.2015      VL <20
06/03/2015      VL 28
06/03/2015      CD4 1135 42%
12/10/2015      VL 27
12/10/2015      CD4 1111 36% cd8+tcell 1058 34%
06/23/2016      VL 49
06/23/2016      CD4 1255 41% cd8+tcell 882 29%


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