Lowering Prep cost?

[kingoftusks]

Hello. New here. Thought I'd seek answers from those who (may) know. I have started Truvada for Prep as of Oct. 3. I was encouraged to start it after hearing that most private insurance plans cover it and so forth. Also I was, obviously, interested in trying bareback as "safely" as possible; I'm a top, mostly.

I come in for quarterlies at my county's HIV/AIDS clinic and my prescriptions are mailed from the clinic to a "specialty pharmacy" in Nashville, TN (I live in Chattanooga), and the meds shipped to my address. I am currently enrolled in a Silver Plan, Silver S04S, Network S, with BlueCross BlueShield. It's a marketplace plan and, thanks to tax credits, my monthly premium is 0. Not bad. I was advised to enroll in this specifically for (though not just for) Prep coverage, a man who evidently works in close proximity with the clinic (who also takes Prep itself even) helped walk me through the process; I'm something of an idiot when it comes to matters like this.

Obtaining the medication was actually fairly easy, and I also have the Gilead coupon card. The first 3 months of medication were free, but looking at my latest claim on my BCBST account, my total out of pocket cost for my latest shipment (processed as of 1/25/18) has come out to a whopping $891.88.

This has, at the moment, put something of a damper on my future with Prep. I thought my plan and the Gilead card would lower the cost, especially after reading through the "how much you actually pay" subject on here, where people pay barely a forth, or less, of that. I'm employed full time and have what I thought was decent insurance, and yet if I'm really going to have to part with nearly 900 bones every month I may well have to go back to plain ole condoms. Is there something I'm missing or not understanding here?

[analluv27]

Do you have a separate prescription plan because my job has a health plan and a separate prescription plan. Which I pay like $15 for non generic drugs