How I Got PrEP Covered By Private Health Insurance
Part 2 In A Series On PrEP By
Jake Sobo

As one of the lucky people in the United States whose employer provides comprehensive health insurance, let me just preface this column by saying I know a lot of you guys out there aren’t as fortunate. I’m not ignoring you; the next column will be about how to access PrEP through publicly funded clinical trials and private programs that are popping up. But I wanted to start the access discussion with my experience getting a prescription for Truvada – the only drug currently FDA-approved for PrEP – and getting that prescription filled using my private health insurance.

When I stepped into my doctor’s office to discuss PrEP, I knew it wasn’t going to be a straightforward issue. Even most gay men I know are completely unaware that the FDA approved Truvada for PrEP, much less that it can reduce the risk of contracting HIV by upwards of 90% when taken daily (a recent study found it to be 99% effective among those that took the pill seven days a week). Having been judged plenty of times before by dumbass doctors who didn’t know what they were talking about when it came to gay men’s health, I didn’t go into my appointment with lofty expectations.

Given my experience, I came to my appointment prepared to talk about the clinical trials, their findings, and my sex life. I had rehearsed a speech about why I wanted Truvada, what PrEP was, and how the CDC suggested doctors should follow-up with patients on PrEP. I knew that I was far better informed about the drug, and that I was ultimately a much better judge of whether I was deserving of a prescription than any doctor. But I was nonetheless prepared to pretend like they had some kind of expertise that I needed to consult. But before I could get the words “pre-exposure prophylaxis for HIV” out of my mouth, my doctor was brusquely pushing me out the door with a referral to an infectious disease specialist. Clearly, she didn’t want to deal with me or my sex life.

Rebuffed, I had to wait another six weeks for my fancy appointment with the specialist. When they finally called my name to see the doctor, I began to prepare what I expected would be an interrogation regarding how many people had put what body parts in which of my holes. While the nurse took my vitals, I sat silently, cataloguing my recent flings. The adorable twink who came in his pants while we were making out (I tried not to laugh). The hung top who fucked me haphazardly with a magnum condom (it felt like a garbage bag). And that monster bottom who I turned into a top for one glorious night (so worth the effort).  I continued checking them off, preparing to confess my sins to the inquisitor like I had so many times before.

But instead of a perverse and intrusive review of my sex life, I was altogether shocked to be greeted by a relaxed, unfazed doctor who actually seemed to trust that I knew what I was talking about. He told me to have a seat on the exam table, where he felt my lymph nodes to check if they were swollen (which could signal a recent HIV infection). He described the drug and its potential side effects, rambling on about the studies evaluating its effectiveness. I had already read them, but I appreciated his thoroughness and casual tone.

Finally, he asked me why I wanted to take PrEP. I summoned my most clinical-sounding, public health-y voice, and replied, “Well, doctor, I have receptive anal sex with multiple male partners and I use condoms inconsistently.” My experience with well-meaning but easily startled straight healthcare providers has taught me how to conceal my perversity using the veil of science.  I’m not sure how he would have reacted if I described my sexual practices in the language I actually use in my daily life. “Well, doc, I just love getting fucked bareback. And fuck its hot when a guy nuts in my ass. I can’t get enough of it.”

After maybe a ten-minute discussion, he simply concluded by saying, “Well, if this is something you want to do, and it sounds like you do, give it a shot.” He turned around to the computer, typed up the prescription, and told me that I needed to head down to the lab for blood-work. They needed to run some tests to ensure my kidneys were in good shape (one of the rare but sometimes reported side effects of Truvada is kidney-related) and they needed to test me for HIV.

Because I knew from my work in HIV prevention that there are different kinds of tests for HIV, I made sure to ask what kind of test he was ordering. While the typical antibody test is extremely accurate, it’s not so good at detecting very recent infections. He had only planned to run the antibody test, but I asked him to run an RNA test as well. The RNA or “viral load” test is better able to detect recent infections, but is less commonly used because it’s expensive and generally less accurate overall. Running these two tests alongside each other might be a good idea to discuss with your doctor before beginning PrEP. After some persuasion, he agreed, and sent me to the lab. I was on my way!

After waiting about a week to get my test results, I called the pharmacy to fill my prescription. I gave them my insurance information and waited silently while they processed the request. I didn’t know whether my insurance would cover Truvada for PrEP. When the pharmacist reported that everything was in order and that I could swing by later to pick up my pills, I was thrilled. “It’s really happening,” I thought.

At the time, I had incorrectly assumed that private insurers might deny coverage for PrEP, but my sources tell me this isn’t the case. While I can’t speak for every private plan across the USA, I haven’t heard of a single instance of someone being denied a prescription – neither has anyone I’ve spoken with during my research for these columns. It’s not even clear if insurance companies can differentiate between prescriptions ordered to treat HIV and PrEP prescriptions intended to help prevent HIV infection.   

Have you tried to use your health insurance to cover PrEP? Get in touch! I would love to hear your experiences. Email me at You can read the previous columns in the series at

Jake Sobo is a pen name used for anonymity. Jake has worked in the world of HIV prevention for nearly a decade, and is eager to share his experiences taking PrEP. Having closely followed the development of PrEP from early trials to FDA approval, he was excited to give it a shot when it was approved for use among MSM for preventing HIV.He has spent the better part of his adult life having as much sex as possible while trying to avoid contracting HIV, and started taking PrEP as a way to help him stay negative. He is well aware that the drug is not 100% effective and that he could test positive; while he hopes that does not happen, he knows that he can rely on his numerous HIV-positive friends to deal with that situation should he seroconvert.

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  1. Questioner posted on 11/30/2012 04:13 PM
    I noticed that you mentioned only taking the HIV tests at one time. CDC recommends that you take the test again after 30 days and every 2-3 months while on Truvada. Does your doctor have you come in every 2-3 months to retest for HIV and other chemical levels in your blood? What specific follow-up do you have with your doctor?
    1. Jake Sobo posted on 12/01/2012 10:14 AM
      @Questioner Thanks for your question!

      Well, I didn't mention any follow-up because I wrote this right after my first appointment! My first follow-up appointment is in a couple of days. So I'm sure I'll have more to say about it later.

      In any case, my doctor recommended an every-three-month schedule of visits. Some docs prefer smaller windows right when beginning treatment. My doctor felt comfortable scheduling three months out. It will depend on your provider.

  2. jay posted on 12/01/2012 12:59 PM
    It has been a few weeks now that you have been taking PreP? How do you feel? any side effects (dizziness, diarrhea,vomiting)?
    1. Jake Sobo posted on 12/01/2012 01:32 PM
      @jay Thanks for the question, Jay! My next column will be addressing these questions, actually. I've received a lot of inquiries about side effects. You can get a taste by looking at my response to a question in the comments section of my first section.

  3. Brad posted on 12/01/2012 04:19 PM
    "Having been judged plenty of times before by dumbass doctors who didn’t know what they were talking about "

    "I knew that I was far better informed about the drug, and that I was ultimately a much better judge of whether I was deserving of a prescription than any doctor"

    Maybe if you gave a little respect for the training and experience of physicians and other health care workers you might have a better experience and relationship with them. You may have read every single article about PreP but that is one issue. Every patient that walks into a doctors office is not one issue but a host of them, made up of your past and family medical history. Even if you tick "none" the physician is still providing a medicine that could adversely affect your health and for which they are legally, financially and ethically responsible. It is not unreasonable for them to ask a couple of questions or to make sure you are fully informed before deciding to take a pill. Even if you regard yourself as "better informed...than any doctor" you would still be the exception (even if it were true, which as you have not studied medicine I would have to give doubtful credence to your infinite knowledge of the human body and pharmaceuticals). Doctors are there to help you. Try to be less adversarial and you might find that out.
    1. Jake Sobo posted on 12/02/2012 01:26 AM
      @Brad Thanks for your comments, Brad!

      My experience with doctors over the years have made me adversarial, as you say. That's perhaps unfair. But I've been judged repeatedly and treated like an idiot by healthcare providers. No, actually just doctors. I try to see nurse practitioners when I can -- they're far better providers, in my experience.

      I understand that not all doctors are nasty. There are some truly kind, generous, and thoughtful MDs in the world -- and I'm so thankful every time I meet one of them. But as many gay men know from firsthand experience, there are lots of nasty, egotistical, judgmental docs out there.

  4. DW posted on 12/05/2012 09:34 PM
    I appreciate your thought-provoking blog. I have to say, though, that I'm a little put off by the idea of playing games to get private insurance to pay for this stuff -- which costs up to $14,000 a year. Is this a wise use of limited health care dollars? Ultimately everyone ends up paying for your choice, with inflated premiums and denied care.

    My work puts me in contact with the reality of HIV/AIDS in Africa, where countries are struggling to pay for ARV treatment to keep people alive. Thousands still die because they can't afford the meds (many can't afford condoms, either, or are women who have no power to demand that their partner use them). Most of these people won't make $1,400 -- let alone $14,000 -- in a year of backbreaking labor.

    Some 30 million men, women and children have died since the beginning of this pandemic. What an insult to their memory this whole fatuous conversation is. To demand that our healthcare system spend ungodly amounts of money so educated people can *choose* not to use condoms because of their "need" for sexual self-expression would boggle the minds of most inhabitants of this planet.
    1. Jake Sobo posted on 12/06/2012 03:33 AM
      @DW Thanks for your comment, DW.

      Some people don't have health insurance or access to food. That's a problem.

      I have both, and I'm not a bad person for it.

    2. JamesInLA posted on 01/29/2013 10:26 AM
      @DW DW - I know this post is old, but I had to comment.

      In what way is Jake playing games to get his insurance to pay for it? He went to his primary care provider, who referred him to an infectious disease specialist. The specialist concurred that it was medically reasonable. Where's the "game"?

      Sure, everyone pays for his Truvada through their insurance premiums. They also pay if he gets in a motorcycle accident, but you aren't inquiring about whether he engages in this risky business of motorcycle riding, or advising him not to because of the negative implications for other customers of his insurance plan.

      And, I assure you, his insurance plan would pay quite a bit more if he became infected with HIV. His total medical costs would likely double, as he would be taking more than just Truvada. More expensive prescriptions, far more doctor visits, tests, more complexity in treatment of other health issues, etc. Additionally, if he became HIV-positive, there would then be a risk, no matter how careful, of passing it on to others, thereby incurring those same costs multiple times over.

      It is tragic that people around the world are still unable to access these miraculous drugs, and we should do everything possible to continue to make them more widely available. But Jake's decision to use them or not will have no effect on that effort, and arguably has the potential to reduce healthcare expenditures both for him and his sexual partners.
  5. bad credit motorcycle loans posted on 07/18/2013 04:26 AM
    In any case, my doctor recommended an every-three-month schedule of visits. Some docs prefer smaller windows right when beginning treatment. My doctor felt comfortable scheduling three months out.
  6. Jared G posted on 06/13/2014 02:23 PM
    I just got my private insurance to approve PReP. It took a two month running battle with them but I won. Here in Michigan, the Insurance Commission actually requires them to cover it but they make you appeal their initial denial before they'll actually pay for it.
  7. sonadesjackson posted on 09/25/2014 12:41 AM
    Pricy solely means that something costs a tremendous amount fake watches, but there is many reasons for the price. Overpriced means that something simply has a cost that is vastly greater than the materials cost + marketing costs + development prices + manufacturing cost + submitter costs + fair profit fake tag heuer. High priced watches and overpriced watches have become common. And unfortunately overpriced products are too common. At the same time frame, you need to contemplate, "if a brand asks a specific overpriced amount for a watch, but is still willing to sell them, can you still regard the watch as being overpriced? " The answer is certainly yes, but you still require the watch, don't you? I will now just do it list many (though not all) of the issues that watches are so expensive. These are both in defense in the industry, and expositive issues which might be less glamorous in regards to the luxury industry. The first thing that watch can be quite obvious, is the visual detail of carbon fiber that comprises the eye. As someone who includes a great love for as well as fiber, and who has items comprised wholly as a result, I can say it is the absolute best that I've got seen on a watch and 'moves' along with the light, as good carbon linens should. Also, the pushers of this chronograph feel distinct from your average pushers. While first depressed, it gives the characteristic 'click' that you just expect when starting the function, however, each additional push within the same pusher does certainly not. The motion is smooth and silent before the chronograph is stopped and reset, then watch clicks all over again fake watches.
  8. ali posted on 10/19/2014 02:02 PM
    do you know what ICD9 code was used by ur pharmacy to put it through can you please find out it would help so others could use it and their insurance might pay also.
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