State AIDS Drug Assistance Programs (ADAPs), several non-profit organizations, and the pharmaceutical companies themselves have programs in place to help you pay for the treatment you need.Ī cost-sharing assistance program (CAP, also known as a co-pay program) is a program operated by pharmaceutical companies to offer cost-sharing assistance (including deductibles, co-payments, and co-insurance) to people with private health insurance to obtain HIV drugs at the pharmacy. While in the past these increases usually haven’t directly affected someone who has drug coverage through their health insurance plan, increasingly individuals have to pay co-insurance (a percentage of the cost of the medication). The prices of HIV drugs continue to rise every year at an average of 7–9 percent. Today’s therapies are vastly improved over the first drugs used to treat HIV, but these advancements come at a cost.
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