Freddie's new financial assistance programs

Authors:

Amaan Banwait

Here at Freddie we believe everyone who wants PrEP and can benefit from it should get it. While PrEP is free for many people in Canada, it isn't for everyone, and cost is a barrier. We have introduced two new financial assistance programs to try to change this.

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Why did Freddie introduce financial assistance programs?

While PrEP is free for many people in Canada through provincial coverage, the unfortunate reality is that it is not free for everyone. Here is who is covered provincially in the three provinces Freddie currently serves:

Freddie’s new financial assistance programs were introduced to help our patients in Ontario who are 25 years old and above better afford PrEP. These programs are completely unique in Ontario.

Program 1: (Almost) everyone with insurance pays a $0 co-pay with Freddie

While the majority of private insurance plans cover PrEP, they usually do not cover the full cost and the patient must pay a “co-pay.” PrEP costs around $250/month in Ontario and most insurance plans cover 80% of the cost, although this varies from 50% to 100%. Thus, insurance typically covers around $200/month and the patient typically pays about $50/month.

We know from experience that this cost is a barrier to people accessing PrEP. And it shouldn’t be.

At Freddie, we provide financial assistance of up to $100/month. So if your co-pay is $50, you pay $0. And if your co-pay is $120, you pay $20. This means the vast majority of patients with insurance pay a $0 co-pay with Freddie. And more people who need PrEP can access it.

Program 2: Financial support for those without insurance

If you do not have not have private insurance, you can get the Trillium Drug Program. Trillium is a prescription drug coverage program run by the Ministry of Health that is open to all Ontarians who have OHIP. There is an annual deductible of 4% of household after-tax income. However even with Trillium, PrEP can be expensive.

Freddie wants to make PrEP affordable to everyone, so we offer a financial assistance program that helps with your Trillium costs. Depending on your income, PrEP will either be free or low cost! Fill in our medical questionnaire and speak with our clinicians to find out more.

Three months of free PrEP while you wait for your coverage

Getting coverage for PrEP can take a few months. Freddie helps you get on PrEP right away. Whether you have moved to a new province and are waiting for your provincial coverage to kick in (which takes up to three months) or you just applied for Trillium and are waiting for your application to be approved, Freddie provides three months of free PrEP so you can be protected right away.

Conclusion

Freddie’s mission is to make PrEP affordable and accessible for everyone. We hope you join us in this journey to empower people to enjoy sex and protect those we love from HIV.

If you would like to understand how much you will pay for PrEP or to get on PrEP, you can get started with Freddie by clicking here.

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