Trying to understand healthcare coverage can be confusing. So let us help. Here, we’ll help you understand the differences between commercial or private insurance and government coverage, figure out which one you have, and point you in the right direction to learn more about what this means for you.
What is commercial or private insurance?
Commercial or private insurance is a health insurance plan that is not offered by the government. You can get it through your or your spouse’s job. You can also purchase a commercial plan directly from an insurance carrier, at Healthcare.gov, or an insurance broker.
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Commercial or Private Insurance
What is government coverage?
- Children’s Health Insurance Program (CHIP)
- The Department of Defense TRICARE (DOD TRICARE)
- The Veterans Health Administration (VHA) Program
- The Indian Health Service (IHS) Program
What do I do if my healthcare plan does not approve my treatment?
Sometimes, you may not be able to get the medication that your doctor has prescribed for you. For example, your health plan might not cover the medication if it is not on the drug list (formulary). Or your medication cost could be higher than you think it should be. When this happens, you and your doctor can ask your health plan about it. You can also see if your plan can make the medication available to you as an exception.
Health Insurance Open Enrollment Guide
Review your coverage and make necessary changes so you can stay on treatment in the new benefit period.