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Real members of myHIVteam have posted questions and answers that support our community guidelines, and should not be taken as medical advice. Looking for the latest medically reviewed content by doctors and experts? Visit our resource section.

Is Health Insurance For People With HIV A Concern For You?

A myHIVteam Member asked a question 💭
Geneva, IL

For those with HIV and in the LGBT community... have the current HIV policies in your State or Country...cause you anxiety and concern about your future? What are your concerns about the healthcare system in relation to your health insurance and medications?

September 13, 2019 (edited)
 · 
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Answer Summary

Members shared deeply personal concerns about navigating health insurance with HIV, with many expressing anxiety about coverage gaps, high... Read more

Members shared deeply personal concerns about navigating health insurance with HIV, with many expressing anxiety about coverage gaps, high medication costs, and inconsistent state-by-state access to programs like Ryan White and ADAP. Several members described practical strategies that have helped them, including using pharmaceutical patient assistance programs, working with case managers to maintain Medicaid or Medicare coverage, applying for supplemental plans during open enrollment, and utilizing tools like GoodRx for uncovered medications. A recurring theme was the stark disparity in care depending on location and income, with some members enjoying comprehensive state support while others face isolation, unaffordable premiums, and the exhausting reality of choosing between financial stability and necessary treatment.

A myHIVteam Member

I’ve had to do the same thing John!

September 17, 2019
A myHIVteam Member

Im only concerned with the current administration being in place.... So much has been cut already. I hope we aren't next!

February 14, 2020
A myHIVteam Member

Not me personally. Yesterday I learned that 1,200 of Pennsylvania PLWH and on SPBP (our ADAP program) are uninsured. Our Division of HIV has been trying to work with insurance companies to pay health insurance premiums from the Affordable Care Act on behalf of these 1,200 PLWH. Between the state's legal dept and the health insurances they cannot agree on legal language to come to agreement on third party payment of last resort. HORRIBLE! We are only one of a handful of states that cannot get this done. We are exploring legislative options to make this change to help our people. Barriers like this should not exist in health care!

September 13, 2019
A myHIVteam Member

@A myHIVteam Member all kinds of life insurance for people with hiv. Check here: https://www.google.com/search?q=life+insurance+...

March 1, 2020
A myHIVteam Member

So far HIV and Cancer has been paid for by my private insurance. I now have a disability now. I walk with a cane and have to find a new career. I did not qualify for disability being a teacher (government employee) I qualify medicare June of 2021 I'm lucky to have a degree and have always be able to hold a job. So I will see were 2020 leads me. I haven't been in that position yet I'm paying attention to what's going-on I'm looking

November 10, 2019

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