Descovy Pricing at a Glance
What You'll Pay by Insurance Type
| Insurance Type | What You Pay | Why |
|---|---|---|
| Employer insurance | $0 | ACA mandate: PrEP is a Grade A preventive service |
| ACA marketplace plan | $0 | Same ACA mandate, upheld by Supreme Court (2025) |
| Medicaid (expansion states) | $0 | Covered as preventive care |
| Medicare Part B | $0 | Covered since September 2024 |
| Medicare Part D | $0–$2,100 | Annual OOP cap; copay assistance available |
| Uninsured + Gilead MAP | $0 | Medication Assistance Program for eligible patients |
| Uninsured, no assistance | ~$2,300/mo | Full retail price (avoidable — see below) |
Bottom line: If you have any form of health insurance, Descovy should be $0 for PrEP. If you're being charged, your insurer may be violating the ACA mandate.
Descovy vs. Generic Truvada: Cost Comparison
| Medication | List Price/Month | With Insurance | GoodRx Cash Price |
|---|---|---|---|
| Descovy (brand) | ~$2,300 | $0 | ~$1,800–2,200 |
| Truvada (brand) | ~$2,000 | $0 | ~$1,600–1,900 |
| Generic TDF/FTC | ~$50–80 | $0 | ~$30–60 |
If you have insurance, the cost difference is zero — all are covered at $0. If you're paying cash without assistance, generic Truvada is dramatically cheaper. See our generic Truvada cost guide.
How to Get Descovy for $0
If you have commercial insurance
Your insurer must cover Descovy at $0 for PrEP under the ACA. If there's any copay, use the Gilead Copay Savings Card, which covers up to $7,200 per year in out-of-pocket costs. Most patients pay nothing.
If you're uninsured
Apply to Gilead Advancing Access MAP for free Descovy. Eligibility is based on income (generally up to 500% FPL). No SSN required. Call 1-800-226-2056 or visit gileadadvancingaccess.com.
Alternatively, sign up with MISTR, which provides Descovy at $0 including labs and consultations. No insurance needed.
If you're on Medicare
Medicare Part B covers PrEP at $0 since September 2024. If you're on Part D, the $2,100 annual out-of-pocket cap applies, and Gilead's copay assistance can help cover costs up to that cap.