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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.

Finances

A myHIVteam Member asked a question 💭
Edmore, MI

This is a post I posted over a year ago
How do you keep up with your monthly finances, and still stay afloat? I can keep up with my monthly bills, and daily living just fine. Then when the doctor bills come along, I just can't handle it all. So then I'm late on paying bills. I get food stamps and go to food pantries, but that's not enough. Sometimes I get help through HOPWA (housing opportunity people with AIDS), but that's only for 3 months. What kind of help do you get to keep afloat every… read more

February 5, 2019 (edited)
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A myHIVteam Member

@SCOTTMCPHEARSON81, I respectfully fully disagree with you and our current president and administration. The RYAN WHITE FUNDING pays for most everything for HIV+ patients. The government in its present state has cut funding for all assistance for those in need. This is the USA and I respect your right to believe as you will, however you may want to research who pays for what as I believe you will find that a DEMOCRATIC GOVERNMENT funds social programs much more than a REPUBLICAN.

February 6, 2019
A myHIVteam Member

Good news is we have a president in office now who really is for funding HIV and ending this epidemic. I do believe great things are in store for us as last year they found a cure that passed 2 clinical trials and is now in its 3rd clinical trial and it’s shown to be highly successful!

February 5, 2019
A myHIVteam Member

Scott, you are correct in that Trump is passing a bill that will fund HIV prevention, testing, and treatment in areas with the highest statistics of new HIV infections. The black gay population has been left behind and he wants to end all HIV transmission before his administration is over. A new person in these areas is infected every 43 minutes, and most go untested for up to 4 years because of the stigma. It is good to see that the present administration has not forgotten HIV people even in the process of destroying Obama care. The Republican party has many issues they need to address in other areas soon. The cutbacks spoke of earlier had begun in the Obama years. Yes, a socialist/dem gov. does have many more entitlements and would also address HIV increasing numbers in the black communities also and we do have many social programs in effect even now such as social security. It would be good to see the affordable care act stay in place though, even though I've read this is the last year before becoming Trump care. Article on my home page about the new program bill that is being passed to stop HIV.

February 7, 2019
A myHIVteam Member

I guess I am lucky. I work for a large corporation that has good insurance. We have a high deductible insurance plan with the first 3000 dollars fully paid by the employee, then 90% paid by insurance until the max out of pocket expense of $4,600 is reached , then covers 100%. I have found the drug companies have deductible co pay assistance and pay up to a max of $5000 per year. I get a 90 day supply of medication every January which puts me past my deductible and the copay pays my portion. If I need any other medical care at worst I would only have to pay 10%. The second time I get my 90 day prescription at the end of March it gets me close to my out of pocket maximum and I still pay nothing for my medication and the third refill in June puts me past my out of pocket maximum for the rest of the year and I pay nothing for the rest of the year. I typically pay less then $1,000 a year for any medical other than my weekly premiums. Since I have to see several doctors before I reach my out of pocket maximum, I do Incure some cost in the first half of the year. I’m currently on only one medication which is Triumeq that has a $5,000 copay Assistance, but when I started I was on Tivicay and Truvada and each manufacturer had a $5000 deductible copay assistance plan.

February 6, 2019
A myHIVteam Member

Yes. They, in reality, are throwing their lives into the trash. There is very little we can do except try to give some guidance and hopefully help them understand what they are doing. We can't force people to take their pills nor prevent them from thowing them into the trash.

February 6, 2019

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