Welcome, Guest. Please login or register.
June 25, 2019, 10:51:14 pm

Login with username, password and session length


Members
Stats
  • Total Posts: 745585
  • Total Topics: 62329
  • Online Today: 312
  • Online Ever: 1421
  • (August 13, 2016, 05:18:44 am)
Users Online
Users: 4
Guests: 285
Total: 289

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: Advice needed for the uninsured.  (Read 479 times)

0 Members and 1 Guest are viewing this topic.

Offline Hellraiser

  • Member
  • Posts: 4,156
  • Semi-misanthropic
Advice needed for the uninsured.
« on: December 03, 2018, 12:22:50 pm »
Alright so, it's been a really long time since I've posted here, but here's a little catching up.

March of 2017 I quit my job and began a career swap.  I'm now making good money in IT, but I am a contractor and thus without health insurance.  I last took my meds in 2017, and thought by now I would definitely be insured again.  With that said, I'm now looking into Obamacare options, but none of them in Alabama (where I now live) seem to cover HIV meds at all.  ADAP doesn't seem to be an option because it requires you to be no more than 300% above the poverty line.  Federal Poverty limit is about $12,000 for a single man and that is only 36k or 48k if it's 400%.  Either way I make more than that.  Obamacare costs about 300-600 a month, which is doable, but then requires me to hit the deductible of 6-12k a year in order to kick in for meds not covered.  I'm in a pickle on how to solve this without being employed full time.

Offline life2

  • Member
  • Posts: 49
Re: Advice needed for the uninsured.
« Reply #1 on: December 03, 2018, 07:13:09 pm »
What meds are you on? Have you looked into ordering them online?

Offline Expat1

  • Member
  • Posts: 213
Re: Advice needed for the uninsured.
« Reply #2 on: December 04, 2018, 03:59:20 pm »
All insurers with Obamacare must carry HIV meds.   

The copay cards with various Pharma companies will pay for the deductable and your portion of the meds.  Check the various Pharma copay cards. 

Outside of that, look to self importing your meds from India.  There is a British site iwantprepnow that lists several companies that ship HIV drugs internationally.  In Britian it is perfectly legal to source HIV drugs for personal use.   It is less clear on FDA regs which are clearly pro big pharma, however most people how source their drugs in India, appear to get them OK.   

Offline Ptrk3

  • Global Moderator
  • Member
  • Posts: 2,634
Re: Advice needed for the uninsured.
« Reply #3 on: December 04, 2018, 11:03:23 pm »
I can't write that I understand all the nuances of your situation and all the ramifications, other than what has been suggested to you about co-pay assistance cards and how they may apply to you to reduce your costs.  Those cards can be enormously useful and make a huge difference.

Search with "google" your current medication and any co-pay assistance that may be available to you, or, in the alternate, search co-pay assistance cards that may be available to you if you change medication to suit your economic (and insurance) needs (there are many alternative medications available these days, as you likely know).

One thing I can write with cetainity, though, is this:  be mindful of the importance of adherence to any antiretroviral regimen.  Make it a priority to be on medication routinely.  Do not continue with gaps in antiretroviral medication.

Please take care of yourself.
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

Offline MitchMiller

  • Member
  • Posts: 609
Re: Advice needed for the uninsured.
« Reply #4 on: December 08, 2018, 12:05:43 am »
Hellraiser,  when you say the Obamacare plans don't cover HIV meds, I'm wondering if you're using the button on the healthcare.gov web page that allows you to check if your drugs are covered.

If so, here's what I found.  I'm in Nevada.  When the new plans were previewed on the Healthcare.gov web site, a couple weeks before open enrollment, I researched United Healthcare plans (Health Plan of Nevada) and found they didn't cover HIV drugs... or at least that's what the web site told me.  I then went directly to the United Healthcare web site and found the formulary list where HIV drugs were stated as covered.  The Healthcare.gov website had a problem.  When open enrollment began, the problem had been fixed.

If you're still looking around for a plan, you should try calling the provider directly.  As the previous poster stated, Obamacare plans are required to cover HIV drugs.


 


Terms of Membership for these forums
 

© 2019 Smart + Strong. All Rights Reserved.   terms of use and your privacy
Smart + Strong® is a registered trademark of CDM Publishing, LLC.