19. How can a person get help paying for HIV treatment? If a person already has health insurance, the insurance will most likely cover the cost of the medications used to treat HIV Depending on the healthcare plan, the person may still have co-pays If a person does not have health insurance, there are options to help provide the medication at no cost or at a reduced cost The New York State Department of Health, AIDS Institute offers five programs known as the HIV Uninsured Care Programs to provide access to healthcare for people with (or at risk of) HIV who are uninsured or underinsured: •