Enrollment in health insurance is an important milestone, but it is only the first step toward long-term health and stability.

For people living with HIV, comprehensive coverage means consistent access to:

• Prescription medications
• Primary and specialty care
• Mental health services
• Preventive and diagnostic testing

However, many individuals face challenges even after enrolling, including:

• Difficulty understanding their benefits
• Gaps in coverage
• Barriers to accessing providers or medications

The Health Insurance Assistance Program (HIAP) recognizes that coverage must be sustainable, not just accessible.

Our work extends beyond enrollment to include:

• Evaluating whether a plan fully meets a client’s needs
• Supporting access to ADAP and APIC for cost assistance
• Providing ongoing follow-up and problem-solving
• Ensuring clients can successfully use their benefits over time

Comprehensive coverage is not just about having insurance, it is about ensuring that coverage translates into real, consistent care.

Supporting long-term engagement in care requires systems that are responsive, accessible, and centered on the needs of individuals.