Caresful

insurance

Stress-free coverage

No need to stress, insurance or not, we're here to make sure you don't have to come out of pocket.

With Insurance

PrEP for HIV Prevention is completely covered with the majority of health insurance plans, including Medicaid and Medicare, as mandated by the Affordable Care Act.

We know health insurance can be complicated, so our team will contact your insurance provider to confirm coverage for the medication and monthly co-pay costs (if any).

Without Insurance

Our team can help uninsured patients access Affordable Care Act health plans to cover the cost of PrEP, provider visits, labs, and testing at no cost to patients!

Our team will work on your behalf to handle all the necessary paperwork to get you enrolled into the many programs you qualify for to ensure you have little to no out-of-pocket cost.

programs

Financial assistance

Patient assistance programs are available to help subsidize some or all of the cost of PrEP.

NO INSURANCE

Patient Assistance Program

For uninsured individuals, the Gilead Advancing Access Patient Assistance Program can help cover the cost of Truvada or Descovy for PrEP.

Requirements

The program is available to uninsured individuals, regardless of immigration status. The household income limit for the program is 500% FPL ($60,300 per year in all states except Hawaii and Alaska). Applicants will be asked to submit further documentation as proof of income.

Coverage

The co-pay card covers the patient’s out-of-pocket costs for PrEP up to $7,200 per year.

WITH INSURANCE

Cost-sharing Assistance Program

For patients with insurance co-pays, Gilead Advancing Access is a co-pay assistance program available from the manufacturer of Truvada and Descovy, the brand name medications approved for PrEP.

Requirements

Coverage

The co-pay card covers the patient’s out-of-pocket costs for PrEP up to $7,200 per year.

Our community partners

Through partnerships with community-based organizations (CBOs) and local non-profit clinics, we are able to subsidize the cost to provide consultations, at-home lab tests, and prescription delivery so that it’s entirely for free to you, the patient.

FAQ

Common billing questions

Here's some of the most commonly asked questions in regards to the pricing.

How much does PrEP cost?

99% of patients pay $0 for PrEP. PrEP is covered by most insurance plans, including private insurance, Medicaid, and Medicare. If you don’t have insurance or if your insurance denies coverage, we can help enroll you in patient assistance programs to cover the cost of your medication. Our team handles the entire process to ensure little to no out-of-pocket expenses for you.

Do you take insurance?

Yes, we utilize your insurance to cover the cost of your PrEP medication. If you’re uninsured or underinsured, we’ll work with you to enroll in patient assistance programs, ensuring little to no out-of-pocket expenses for you.

What if I don’t have insurance?

No problem! If you don’t have insurance, we’ll help you access resources like Affordable Care Act plans, which often provide $0 premiums or financial assistance. Additionally, we can assist in enrolling you in patient assistance programs to ensure you can access PrEP at little to no cost. Our support team will assist and manage the entire process for you.

Can I use insurance through my parents or spouse?

Yes, if you’re covered under a parent’s or spouse’s insurance plan, you can use it to cover the cost of your PrEP medication.

What are PrEP Payment Assistance Programs?

Before starting PrEP, you’ll need to complete a series of lab tests, including:

Advancing Access: Offered by Gilead Sciences, this program helps uninsured patients access Truvada® or Descovy®.
Patient Advocate Foundation: Provides financial assistance for those with limited coverage or resources.
Gilead Co-Pay Card: Reduces or eliminates co-pays for insured patients who need Descovy®.

Our team will assess your eligibility and guide you through the application process to ensure you get the support you need.