There are a variety of insurance options for people living with HIV/AIDS in Washington State. Though not a complete list, these options are the most common:
Basic Health Plan
Basic Health is a state-subsidized program providing affordable health care coverage through private managed care plans for low-income individuals and their families.
COBRA is the continuation of group health benefits when a person leaves a job for the employee and/or their dependents. Generally, people can purchase these group benefits for up to 18 months after leaving their job.
A group plan is insurance issued to a group, such as an employer, for the benefit of employees. Group policies provide coverage for individuals. Often, they will also provide coverage for dependants.
Healthcare for Workers with Disabilities (HWD)
HWD is a program that allows people to keep their Medicaid benefits when they return to work. In fact, HWD exists for that purpose – to encourage people with disabilities to return to work.
Individual Health Insurance is health coverage which individuals can purchase directly from an insurance company to cover themselves and their family.
Medicare Part D
Part D is the prescription drug coverage portion of Medicare. Part D prescription drug coverage is offered through private insurance companies that offer Medicare-approved drug plans.
Washington State Health Insurance Pool (WSHIP)
WSHIP is a high-risk pool that provides health insurance coverage to people living in Washington State who have been denied individual health insurance.