HIV meds are often expensive, but even if you don’t have private insurance or a low enough income to qualify for Medicaid, there are other programs that can help you pay. Also, if you are insured but have a high co-pay, help is available for that as well.
The Affordable Care Act, a.k.a. Obamacare, requires insurers to provide prescription drug coverage, whether it’s a policy you buy through the ACA marketplace or (in most cases)another plan, such as insurance provided by your employer. They also must cover at least one drug in every class and count your out-of-pocket drug costs — usually meaning co-pays — toward your lifetime cap on out-of-pocket expenses. The ACA marketplace has made coverage available to millions of previously uninsured Americans, as has Medicaid expansion, enacted through the ACA and a related bill. Find more information at Healthcare.gov.
Also, the federally created, state-managed AIDS Drug Assistance Program (ADAP) can help uninsured or underinsured people pay for their HIV medications. The requirements vary by state, but typically you have to be a resident, have HIV, and earn less than a certain amount per year, calculated as a percentage of the federal poverty level.
Following is a guide to ADAP income requirements and contact information. Each state’s Maximum Qualifying Income (MQI) to be in ADAP is shown as a percentage of the federal poverty level as well as the dollar amount for a one-person household (for 2015, in the 48 contiguous states the federal poverty level for one person is $11,770; add $4,160 per family member).
ALABAMA Website: adph.org/aids Phone: (334) 206-5364 MQI: 250% or $29,425