HIV Prevention and Gender-Affirming Care: Costs, Solutions and Legalities of LGBTQ+ Health Care

NerdWallet's Smart Money Podcast

NerdWallet Personal Finance

Business, Education, Investing, How To

4.2 • 665 Ratings

🗓️ 19 October 2023

⏱️ 28 minutes

🔗️ Recording | iTunes | RSS

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Summary

Understand the financial and legal challenges in LGBTQ+ health care, including HIV treatment and gender-affirming surgery. NerdWallet’s Sean Pyles and Sam Taube delve into the intricate financial and legal issues faced by the LGBTQ+ community regarding their health care. They start by exploring the struggle to prevent and treat HIV, focusing on the effectiveness and financial burden related to pre-exposure prophylaxis (PrEP) and highly effective antiretroviral treatment (HEART). Sam speaks with Tim Horn, a director of the public health systems team at the National Alliance of State and Territorial AIDS Directors, or NASTAD, about these drugs and available resources for those dealing with these expenses. The discussion isn't just about costs, but also shines a light on the barriers and shares resources. Sam then discusses the high cost of gender-affirming care for transgender individuals. He speaks with Andrea Romero, a licensed financial advisor based in New Orleans, about how costs can start accumulating even before hormone therapy or surgery, including expenses related to therapy sessions, hair removal, binders or gaffs, and wardrobe changes. She also addresses the high costs of gender-affirming surgery, health insurance coverage, and resources and financial strategies that can help people manage these costs. In their conversation, the Nerds discuss: LGBTQ+ health care costs, financial challenges, legal struggles, gender-affirming surgery, HIV prevention, treatment of HIV, pre-exposure prophylaxis drug assistance programs (PrEP DAPs), highly effective antiretroviral therapy (HEART), insurance coverage, patient assistance programs, copay assistance programs, state government programs, cost of transitioning, aesthetic treatments, hair removal, costs associated with gender-affirming care, trans health care costs, insurance coverage, and financial strategies. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

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0:30.2	Healthcare across the board is expensive in the US.
0:34.3	Compared with other developed nations, we pay close to twice as much as Germany, the second
0:39.6	most expensive, and over three times as much as South Korea between government spending
0:45.0	and out-of-pocket costs.
0:47.6	And today, especially in light of numerous state laws, our out-of-pocket costs can be
0:53.0	even higher if you're a person needing,
0:55.5	say, gender-affirming surgery.
0:58.0	You can easily expect to be out for two, three, maybe as long as six months, depending on
1:03.6	your surgical regimen and what's going on in other existing conditions. The ability to
1:09.8	not earn income in three to six months, that will add up quickly
1:14.4	to $10,000 to $30,000, Sean Piles. And I'm Sam Tau. Today we feature our third and final episode of our nerdy deep dive into the cost of bodily autonomy. We're going to talk about some of the challenges faced by members of the LGBTQ plus community
1:47.6	when it comes to paying for health care, from HIV prevention to what it now takes in some
	...

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