Question about what is disclosed to the policy owner when another adult on their plan is put on medication

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Hello everyone,

I’m not quite sure how to be discrete about this, so I’ll just explain my situation: I am a gay graduate student who is still covered under my parents’ insurance, and likely will be until I age-out (money’s tight, yo). I’m interested in getting on PrEP, which without insurance would be prohibitively expensive but with is normally incredibly affordable. The trouble is, my parents would not be supportive of me getting on such a medication (they are of the religious and social belief that my “lifestyle” is disordered, so enough said there). I’m afraid I don’t know a whole lot about what information is actually passed from the insurance agency to the policy owner (in this case, my mother) about how a plan is being used. If I payed the co-pay & deductible, would they still get a report as to what meds are on the plan? How specific is the information that’s being given to them? I would really like to avoid dipping into social programs to subsidize PrEP, as I’d feel bad using up money meant for people who don’t have any insurance at all, but I’m not sure how else to get on the med without trying to use my parents insurance and probably getting kicked off of it entirely for my efforts.

(and as a disclaimer: no, I’m not having hookups in the middle of a pandemic. I’m mainly looking forward to when things calm down a little or vaccines roll out. Staying safe, yall)

submitted by /u/acutemalamute
[link] [comments]
Hello everyone, I’m not quite sure how to be discrete about this, so I’ll just explain my situation: I am a gay graduate student who is still covered under my parents’ insurance, and likely will be until I age-out (money’s tight, yo). I’m interested in getting on PrEP, which without insurance would be prohibitively expensive but with is normally incredibly affordable. The trouble is, my parents would not be supportive of me getting on such a medication (they are of the religious and social belief that my “lifestyle” is disordered, so enough said there). I’m afraid I don’t know a whole lot about what information is actually passed from the insurance agency to the policy owner (in this case, my mother) about how a plan is being used. If I payed the co-pay & deductible, would they still get a report as to what meds are on the plan? How specific is the information that’s being given to them? I would really like to avoid dipping into social programs to subsidize PrEP, as I’d feel bad using up money meant for people who don’t have any insurance at all, but I’m not sure how else to get on the med without trying to use my parents insurance and probably getting kicked off of it entirely for my efforts. (and as a disclaimer: no, I’m not having hookups in the middle of a pandemic. I’m mainly looking forward to when things calm down a little or vaccines roll out. Staying safe, yall)
submitted by /u/acutemalamute [link] [comments]Read Morer/HealthInsurance

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