@mht2k3 I have not been accepted yet, but make recommendations for PEP/deal with people looking for pre-exposure often in my work. In my experience, insurance coverage may be complicated - here are some of the worst-case scenarios I've heard after people were told it would probably be covered by insurance:
- Insurance did not cover because they ended up requiring a note *before* getting the shots from a doctor deeming them "medically necessary" - they did not tell the person ahead of time and, as always, they say it's "your job" to know what is required for coverage.
- Insurance did not cover and used the excuse that it was not an occupational hazard as the person had insurance through their current employer (in this situation someone got the pre-exposure for travel and did not work in a job that would put them at risk). The insurance stated that the person choosing to put themselves at risk (i.e. by traveling) was not the insurance company's responsibility.
- Insurance did not cover pre-exposure, but would cover post-exposure if the person was bitten. The insurance rep the person spoke with did not understand the difference between the two and thought pre-exposure was covered even though the person was clear about what they were getting.
I'm not saying your insurance will not cover and I have heard of insurances that have, but I would recommend trying to get something in writing that specifies type of series covered (pre vs post) and any other requirements they have for coverage (letter of medical necessity, etc).
Even then, I would kill two birds by also trying to get it in the least expensive way you can in case they decide not to cover. Sometimes travel clinics can be cheaper than traditional healthcare providers if their office visit fee is lower. Depending on your state some state/local/county health departments may also carry it in their clinics (we do not carry it in most of our county health departments in my state but in some states they do - you can call your local HD to find out). There is also sometimes a wide difference in price for the actual vaccines between different medical facilities with some putting a premium on them (pre- and post-) because of the implications of rabies infection. It may take a little time, but you can get information from facilities if you call ahead of time (unless you've already identified a place to get them, then ignore this part
🙂 ). Good luck!