Screen Shot 2014-05-30 at 11.29.38 AMThe National Health Law Program and the AIDS Institute have filed a complaint with federal health officials asserting that four insurance companies have violated a civil rights section of the Affordable Care Act.

The two health organizations allege the Florida insurers have structured their plans in a way that discourages those with HIV and AIDS from choosing them. Under the policy, HIV and AIDS patients are required to pay 40 to 50 percent of the wholesale cost of their drugs instead of the standard $10 copay. Forty to 50 percent equates to thousands of dollars. It almost sounds pointless to have insurance.

The health organizations also accuse the insurers of requiring expensive up-front costs and too many pre-authorizations.

Federal health officials are currently reviewing the complaint.

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