The good news is that, under the Affordable Care Act, PrEP must be free under almost all health insurance plans. This includes medication, office visits, and the lab tests needed to maintain your prescription. As with any type of health care you receive, you’ll want to check your specific plan and verify your coverage and see which type of PrEP you plan covers with no cost.

• If you have a plan from the healthcare.gov marketplace, you can check your coverage here. If you need help, this document walks you through the process step by step.
• If you have private insurance or a plan provided by your provider, check directly with your plan/provider.
• Medicare Part B covers PrEP medication and related services, if you’re eligible. 
• If you have Medicaid, check with your benefits counselor about PrEP coverage. Most states offer coverage through their basic health plans.

If you have some coverage but still need assistance paying for PrEP, there are some programs that may help. Each will have some limitations and requirements to qualify.

From Drug Manufacturers

• The Gilead Advancing Access Co-Pay Savings Program offers assistance paying for out-of-pocket costs for people with commercial or private insurance. It is not available for people using Medicare, Medicaid, Federal Employees Health Benefits Program, or VA/TRICARE. The program provides up to $8,000 in cost-sharing assistance per calendar year, including up to $100 per visit for injection administration, for Yetzugo or up to $7,200 in cost-sharing assistance per calendar year for Descovy or Truvada. Learn more at the Gilead website or by calling 1-800-226-2056.
• LIke the Gilead program, the ViiV Injectables Savings Program is available for people who have commercial health insurance but not for those with Medicare, Medicaid, Veterans Affairs, or TRICARE plans. It provides help with out-of-pocket costs for its injectible PrEP option, Apretude, as medicine, as well as deductibles and co-pays. Patients can enroll online or call 1-844-588-3288 for more information.

Other Programs

• The Patient Advocate Foundation TotalAssist Program is a charitable patient financial assistance program. You can check your eligibility and apply for a TotalAssist grant here.
• Some states have PrEP assistance programs that offer assistance paying for medication, lab, and office visits. Learn more here.