Frequently Asked Questions (FAQs)
LA HAP Services and Eligibility
What’s the difference between LA HAP, HIP, L-DAP and ADAP?
LA HAP, the Louisiana Health Access Program, is a healthcare cost assistance program divided into two parts: the Louisiana Drug Access program (L-DAP), which pays for drug costs for uninsured clients or drug copays and coinsurance for insured clients; and the Health Insurance Program (HIP) which pays for medical cost-shares for insured clients (and also dental and vision costs if requested). Another way of looking at it: an insured client who requests full assistance is both a HIP and an L-DAP client, and an uninsured client who requests full assistance (which for uninsured clients, means only medication services) is only an L-DAP client. Both L-DAP and HIP clients are LA HAP clients.
Many people think that LA HAP is the same as health insurance. LA HAP is not a health insurance program, but we work with health insurance companies to help you pay for your care and medication.
Finally, some people confuse us with LaHIPP. LaHIPP is a Medicaid program that covers some insurance costs, and it is not related to LA HAP.
Who is eligible for LA HAP?
Anyone who meets all the criteria below can apply for LA HAP.
- HIV diagnosis
- Louisiana residency
- Income below 400% of the Federal Poverty Income Guideline
- Not eligible for full Medicaid
- In Louisiana, full Medicaid is open to anyone with an income below 138% of the Federal Poverty Guideline who meets U.S. citizenship requirements, is between the ages of 19 and 64, and doesn’t already qualify for Medicare.
Once you approved, you must go on to re-certify your eligibility by filling out the LA HAP application every 6 months just to make sure that you’re still eligible.
What if I forget to recertify or recertify late? Am I out of the program?
You must recertify for LA HAP by filling out the application every 6 months. If you do not recertify, your eligibility will expire. This means you won’t be able to use your LA HAP card to pick up medication and you may lose your insurance, too. But, you can come back to LA HAP at any time by submitting another application.
Example: your LA HAP eligibility expires at the end of October. You don’t turn in your application to recertify until mid-November. LA HAP staff processes and approves your application on November 21st. From November 1st-20th you were not LA HAP eligible, so you can’t use LA HAP services during this time. Starting November 21st, you are eligible again and can use LA HAP services.
Can a client sign up for any LA HAP services if they don’t have insurance?
Yes. In Section 7 of the LA HAP application, a person can select the type of assistance they need. One of those options is “no insurance and requesting LA HAP assistance with medications only.”
Unlike insured clients, who can get assistance with their health care costs including services unrelated to HIV, uninsured clients can ONLY have assistance with HIV and Hepatitis C medication costs.
Can LA HAP/HIP enroll me in an insurance plan?
No, but you can work with a case manager, broker, or navigator to enroll in a plan yourself– and then LA HAP can help you pay for it.
Typically, insurance plans (including all Marketplace plans) will allow someone to sign up for insurance but pay their first premium at a later date. So, a client can sign up for insurance and then fill out the LA HAP Insurance Add/Change Form to apply for HIP premium and cost-share assistance. If approved, HIP can pay the initial premium and future premiums directly to the insurer. If you want HIP to do this, it’s important to send them the Insurance Add/Change Form before the payment deadline.
Will LA HAP help me with any insurance plan I buy?
LA HAP can help cover expenses with any health insurance plan that has adequate prescription drug coverage. “Adequate prescription drug coverage” means the plan covers at least one drug from every class of core antiretroviral therapeutics from the HHS Clinical Guidelines for the Treatment of HIV/AIDS. All Marketplace plans are considered adequate coverage EXCEPT for the “Basic” level plans, as are most Medicare and employer-sponsored plans.
LA HAP can also help cover expenses with some dental and vision plans.
LA HAP tells me I’m not eligible for their program because I eligible for Medicaid. What should I do now?
If you have full Medicaid, it means Medicaid will pay for all the services and medications that LA HAP would have covered. You can call Medicaid at 855-229-6848 or go to their website to apply.
If you have already have Medicaid and have questions about how to use it, you can call the same number and they will help you.
If you have both Medicare and Medicaid, you will use your Medicare insurance before you use your Medicaid insurance. You can call Louisiana’s Senior Health Insurance Information Program at 1-800-259-5300 or 225-342-5301 for information about how to use these programs. You can also sit down with a Medicare counselor who can answer your questions for free.