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Can I Use My Copay Card for Descovy?

Yes. Now that Descovy is an approved pre-exposure prophylactic (PrEP) by the Food and Drug Administration, you can use your Gilead Advancing Access copay coupon card to pay for your prescription of Descovy. If you don’t already have a card, you will need to meet eligibility requirements to join the program and access its benefits. Contact our team at Nurx today for help enrolling for the Gilead Advancing Access program.

The Advancing Access copay discount card is good for those insured by commercial policies but not for those enrolled in state or federal prescription drug programs. Medicare Part D and Medicaid are the federal programs excluded from eligibility for the Advancing Access copay card.

The Cost of PrEP

PrEP is an expensive name-brand drug with no current generic equivalent. The retail cost of PrEP begins at $2,000 for a 30-day supply. Discount coupons and cards can reduce your out of pocket costs by covering your copay or reducing the monthly cost of Descovy. The Gilead Advancing Access copay program may save Descovy users out-of-pocket costs of up to $7,200 per year. These savings apply to the medication only and do not include clinical visits or lab tests.

Know Your Insurance Plan

It’s important to know what your commercial insurance covers and what it doesn’t. In some cases, Descovy may be considered specialty medication and have specific requirements or eligibility to cover the cost of your medication. Deductibles may have to be met before copays start or copays might occur right away. Get the details from your insurance provider so that you understand how and when you’re covered and whether or not you qualify for assistance. Consult with a team member here at Nurx™ if you need assistance paying for your medication. We can help reduce your costs to $0 in many cases.

Understanding Deductibles and Copays

Discount coupons and copay cards help people afford their medication. Recently, some health plans have decided to no longer count the use of copay cards toward deductibles and out of pocket maximums. Typically, a copay card decreases out of pocket costs for medication while applying the original retail cost toward an individual’s deductible.

The increased use of discount copay cards has prompted some insurance companies to adjust policies in order to get some of their cost back. When insurance companies apply an accumulator adjustment the full cost of your medication may not be applied to your deductible. Be informed about how your insurance company counts your copay towards your medication and shop for policies that do not apply an accumulator adjustment.

Commercial Versus Federal Insurance

Commercial insurance is defined as any private insurance company that provides your health care policy. Commercial insurance plans may come with varying deductibles and copays, which represent what you’ll pay (deductible) before full coverage starts and what you’ll pay out of pocket (copay). Some plans require your deductible be met before incurring copays, while other plans incorporate copays right away. These may also vary, depending on your plan.

Federal Insurance includes Medicaid and Medicare Part D. These plans are generally not part of Gilead’s Advancing Access program because they may include reimbursement of prescription cost. For Medicare recipients, once your deductible has been satisfied, your copay for Descovy may range from $42 to $1,800.

How We Can Help

Discount coupons and copay cards can help reduce your overall costs and lower out of pocket expenses. Here at Nurx, we strive to help you apply for assistance to get your medication at an affordable price or even at no cost to you.

Our care team provides the complete process to get you started with Descovy:

  • Get an at-home PrEP Test Kit
  • Discuss your medication options
  • Understand and apply for payment assistance
  • Get your medication delivered
  • Get tested regularly

Nurx prescribes generic PrEP unless you have a medical reason why you must take Descovy.

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