Welcome, Guest. Please login or register.
September 20, 2018, 10:29:31 pm

Login with username, password and session length


Members
Stats
  • Total Posts: 735679
  • Total Topics: 60800
  • Online Today: 313
  • Online Ever: 1421
  • (August 13, 2016, 05:18:44 am)
Users Online
Users: 2
Guests: 254
Total: 256

Welcome


Welcome to the POZ Community Forums, a round-the-clock discussion area for people with HIV/AIDS, their friends/family/caregivers, and others concerned about HIV/AIDS.  Click on the links below to browse our various forums; scroll down for a glance at the most recent posts; or join in the conversation yourself by registering on the left side of this page.

Privacy Warning:  Please realize that these forums are open to all, and are fully searchable via Google and other search engines. If you are HIV positive and disclose this in our forums, then it is almost the same thing as telling the whole world (or at least the World Wide Web). If this concerns you, then do not use a username or avatar that are self-identifying in any way. We do not allow the deletion of anything you post in these forums, so think before you post.

  • The information shared in these forums, by moderators and members, is designed to complement, not replace, the relationship between an individual and his/her own physician.

  • All members of these forums are, by default, not considered to be licensed medical providers. If otherwise, users must clearly define themselves as such.

  • Forums members must behave at all times with respect and honesty. Posting guidelines, including time-out and banning policies, have been established by the moderators of these forums. Click here for “Am I Infected?” posting guidelines. Click here for posting guidelines pertaining to all other POZ community forums.

  • We ask all forums members to provide references for health/medical/scientific information they provide, when it is not a personal experience being discussed. Please provide hyperlinks with full URLs or full citations of published works not available via the Internet. Additionally, all forums members must post information which are true and correct to their knowledge.

  • Product advertisement—including links; banners; editorial content; and clinical trial, study or survey participation—is strictly prohibited by forums members unless permission has been secured from POZ.

To change forums navigation language settings, click here (members only), Register now

Para cambiar sus preferencias de los foros en español, haz clic aquí (sólo miembros), Regístrate ahora

Finished Reading This? You can collapse this or any other box on this page by clicking the symbol in each box.

Author Topic: How much do you pay for your HIV related care out of pocket?  (Read 386 times)

0 Members and 1 Guest are viewing this topic.

Offline LiveWithIt

  • Member
  • Posts: 520
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

  • Member
  • Posts: 16
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

  • Global Moderator
  • Member
  • Posts: 2,462
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.
HIV 101 - Basics
HIV 101
You can read more about Transmission and Risks here:
HIV Transmission and Risks
You can read more about Testing here:
HIV Testing
You can read more about Treatment-as-Prevention (TasP) here:
HIV TasP
You can read more about HIV prevention here:
HIV prevention
You can read more about PEP and PrEP here
PEP and PrEP

 


Terms of Membership for these forums
 

© 2018 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.