Final Expense Life Insurance for Harvoni Treatment After Hepatitis C
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In October of 2014 the FDA approved Harvoni, a drug for chronic hepatitis C virus (HCV) infection with high cure rates and mild side effects. Gilead Sciences' Harvoni is one pill containing two drugs. Both are direct-acting antivirals (DAAs) which means they directly interfere with hepatitis C virus replication. One drug, sofosbuvir (brand name Sovaldi), has been on the market since late 2013. It is a polymerase inhibitor. The second drug is ledipasvir, an NS5A inhibitor.
With these advances in the cure of hepatitis C it’s important to work with an independent life insurance agent that can help you find final expense life insurance on Harvoni treatment for Hepatitis C. We can help you continuously improve your coverage as you move from the treatment phase to a period post cured. Here at LifepolicyShopper.com we know the sweet spots across all the carriers in order to get you the best rate possible. There will be a big difference in the amount of death benefit that you may qualify for during treatment and a period after you’ve taken your last Harvoni treatment.
If you have begun treatment and looking for a final expense life insurance on Harvoni treatment for Hepatitis C request a quote and we will find you an affordable policy at the standard rate. Often times people receiving treatment for hepatitis C with Harvoni settle for a modified issue, two year wait plan or a guaranteed issue, return of premium plan when they actually qualify for first day coverage at a standard rate. Once a person has completed Harvoni treatment for a period of time we find a policy where they qualify for coverage at a preferred rate. We note the last date of Harvoni treatment and apply for new coverage after a period of time after treatment. This is a great way to serve this community on the other side of this long and painful journey.
Final Expense Life Insurance for Harvoni Treatment After Hepatitis C
Here is a brief summary of Harvoni. Harvoni is approved for treatment of genotype 1 HCV infection in adults. Cure rates range from 94% to 99%. It is a single pill taken daily, with or without food. It is intended for patients who have never been treated for HCV, whether they have cirrhosis or not, the duration of treatment with Harvoni is for 12 weeks. Patients without cirrhosis whose pre-treatment viral load (HCV RNA) is less than 6 million IU/mL may be considered for 8 weeks of treatment. This is about 40% of eligible patients. Patients without cirrhosis who have failed treatment with either peginterferon alfa + ribavirin or an HCV protease inhibitor + peginterferon alfa + ribavirin, take Harvoni for 12 weeks. Patients with cirrhosis who have failed treatment with either peginterferon alfa + ribavirin or an HCV protease inhibitor + peginterferon alfa + ribavirin, take Harvoni for 24 weeks. Harvoni was not approved for HIV/HCV co-infection despite high cure rates in clinical trials.
Treatment Periods Based on Geno Types
The fixed dose combination ledipasvir-sofosbuvir (90 mg/400 mg) is indicated for treatment, with or without ribavirin, for the treatment of patients with chronic hepatitis C genotypes 1, 4, 5, and 6. The detailed indications are listed below. When treating patients coinfected with HCV and HIV, the recommendations are the same as listed below.
Genotype 1
• Treatment-naïve without cirrhosis or with compensated cirrhosis (Child-Pugh A) : ledipasvir-sofosbuvir x 12 weeks*
• Treatment-experienced** without cirrhosis: ledipasvir-sofosbuvir x 12 weeks
• Treatment experienced** with compensated cirrhosis (Child-Pugh A): ledipasvir-sofosbuvir x 24 weeks†
• Treatment naïve and treatment experienced** with decompensated cirrhosis (Child-Pugh B or C): ledipasvir-sofosbuvir plus ribavirin‡ x 12 weeks
Genotype 1 or 4
• Treatment-naïve and treatment-experienced ** liver transplant recipients without cirrhosis, or with compensated cirrhosis (Child-Pugh A): ledipasvir-sofosbuvir plus ribavirin§ x 12 weeks
Genotype 4, 5, or 6
• Treatment-naïve and treatment-experienced ** without cirrhosis or with compensated cirrhosis (Child-Pugh A): ledipasvir-sofosbuvir plus ribavirin x 12 weeks
Potential Adverse Events (Side Effects)
The majority of reported side effects were mild. Fatigue (13 to 18 %) and headache (11 to 17%) were the most common. Nausea (6 to 9%), diarrhea (3 to 7%), and insomnia (3 to 6%) were also reported. The discontinuation rate due to side effects was very low (0 to 1 %). Increases in bilirubin, lipase, and creatine kinase were observed. Here is a huge change: HARVONI should be used during pregnancy only if the potential benefit justifies the potential risk to the fetus. This is big change from ribavirin's dire Black Box warnings of potential fetal damage.
Harvoni's efficiency rates are excellent, ranging from 94 to 99%. Harvoni has a high barrier to drug resistance.
Harvoni is expensive. The wholesale acquisition cost of twelve weeks of Harvoni is $94,000, or $1125 a pill. Approximately 40% of patients will have 8 weeks of treatment at the bargain price of $63,000. Patients with cirrhosis who failed prior treatment will need 24 weeks of treatment, with a price tag of $188,000. It’s not likely that insurance will cover the costs. There will be push back from state Medicaid programs, and some insurers. States are instituting stringent preauthorization regulations. For example, some states force patients to qualify for HCV treatment by proving proof they have cirrhosis.
If you are currently undergoing treatment for hepatitis C and looking for a final expense life insurance while on Harvoni treatment for Hepatitis C you may qualify for a life insurance policy with the following guarantees:
These programs have the following guarantees
1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. You benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.
So glad you're here - also check out - Hepatitis C New Hope with Harvoni Treatment.
Quick Tip: Complete the Instant Quotes form to receive an instant listing of carrier quotes - free - with no obligation. You can begin your free online research - right now...
Last Updated on October 13, 2017 by lifepolicyshopper