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.
Compare PrEP access options
Telehealth providers, local clinics, state programs, Medicaid, and manufacturer assistance can all be valid routes. Compare cost, lab method, medication options, location, privacy, and follow-up instead of defaulting to one provider.
Compare providers and programs →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.