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Anyone in SF/ San Jose? f25
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I should have just got on PREP..
Any Chinese/East Asians here?
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Blow me one last kiss 😘
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I️ have the high deductible plan. Gilead supplemental insurance covers the cost until you hit your deductible. Then Pwc plan covers it
Hi, pwc guy here been on prep for a year or so. I have high deductible with HSA. Prep costs $150 per month, but the gilead copay card covers all of it. I still pay $100 every three months for Dr visit (but hey, I'm sexually active so I don't mind the frequent std tests)
I'm at EY. Our insurance covered most of the cost but out of pocket was still $100. I also called the manufacturer (Gilead) and signed up for an ongoing plan they had which took care of the deductible as well. So my out of pocket is $0.
Between ACN's insurance and the Gilead copay card. I don't pay anything out of pocket.
I️ don’t work at pwc, but at ACN it’s about $20 per bottle (30 pills).
Piece of advice though try to see if you can get a Gilead manufacturers “insurance.” I️ use it with my ACN insurance and it covers the difference. So PrEP is completely free for me.
Yup, I’m familiar with those scenarios from current job. Similar situation where card covers copay. But I’m likely switching to PwC, and their plans are totally different—all high deductible (lowest $1.3k). Was curious if anyone at PwC had crunched numbers on which plan makes the most sense (ignoring that the plans are offset by six months, so 2x deductible in calendar year 2018 if I️ start in January. Copay card covers $3.6k per calendar year...) 🤷🏼♂️
SM1—Pretty sure I️ got that same advice from my seventh grade health teacher 🤣
And to make it even more complicated, they only cover 90% after meeting deductible, unlike most high deductible plans I’ve seen. Makes it even harder to plan for HSA funding, since it’s not just to match deductible
Also, premiums for low/mid/high plans are all higher than their respective EY options (though mid/high deductible plans have [some but not much] HSA funding included to compensate)
Hmm OP you might be out of luck. I tried to crunch the numbers once on a $2800 high deductible plan with 90% coinsurance after deductible. The drug is around $1700/month oop in NYC, so the copay card will cover about 6 months of cost then $170 per month after that. So that was gonna cost me $1000 put of pocket compared to the $2600 per year worth of premiums if I were gonna go on our $400 deductible plan where I would get prep for free.
The kickers though. My plan has separate deductibles for meds and Dr visits, so just the cost of the labs every 3 months would cost around $150 per visit. Then add on top of that 1 or 2 doctor's visits for illness and maybe a couple antibiotics shots and it was starting to look risky
The worst part is that you can't change plans after you start, so if any part of my calculation was off, I would be fucked. So at the end of the day, I chose the expensive plan that had better coverage because I wanted the peace of mind
Just stop having sex then.
C1—Makes sense. The marginal increase in premiums mitigates so much of the risk with trying to use the lower-cost plan. This one is a combined deductible, at least, so I believe the copay card will actually cover the highest premium’s deductible in its entirety.
This is the insanest drug coverage I have heard of recently. My co-pay is $5 per bottle
I do high deductible because then they contribute to your HSA and your net costs come out to like $4 a month -- only thing is that mostly everything is OOP going towards the high deductible but then you can invest the funds in your HSA