We’re here to answer questions and help you explore your options!
Health insurance is important, whether you have no health issues or are living with a long-term condition. Understanding the basics can make it less confusing and may help you take a more active role in your own care.
You’ll see a lot of me throughout this site providing helpful tips and guiding your experience. Ready? Let’s get started!
Do you know which one you have? If not, no worries! Our experts below are lined up and ready to help navigate you through each one.
Also called “private insurance,” this is a health insurance plan provided by and administered by a private insurance company rather than the government. You may receive it through your employer.
A government-run health insurance program for low-income families, pregnant women, the elderly, and people with disabilities.
A federal health insurance program for people aged 65 or older and for younger people with certain types of disabilities.
If you don’t have health insurance, learn about things to consider when selecting a plan that’s right for you.
If you don’t have health insurance, learn about things to consider when selecting a plan that’s right for you.
Medical insurance generally covers expenses like doctor visits, lab work, and hospital stays.
Prescription insurance generally covers prescription drugs.
Your health insurer may cover both types of insurance in one plan, or separate them into two parts. If your prescriptions are covered separately, you may have a pharmacy benefits manager (PBM). To find out how your prescriptions are covered, go to your health insurer’s website or call its customer service number, which you may find on your health insurance card.
The answer to this can be confusing: It varies by insurance company and plan. Generally, insurance companies set up a formulary–a list of drugs that the plan covers. To find out whether your medicine is covered, check your formulary or call your health insurance company.
Some people don’t really have a selection of health plans. They might need to take Medicaid or a single plan offered at work. Others must make a choice: They’re looking at many different plans offered at work, or on the Health Insurance Marketplace, or by private insurance companies. Maybe Medicare is another option. The bottom line: If you’re choosing between health plans, certain tips and strategies can help you pinpoint the best option for you.
If you don’t have health insurance, we have information on the types of things you should consider when finding a plan that’s right for you.
You may benefit from:
Ask your doctor for other resources that may help.
Also called “private insurance,” this is a health insurance plan provided by and administered by a private insurance company rather than the government . You may receive it through your employer.
Hi! Max here. Need more info on commercial? I can help with that.
Did you know?
There are prescription savings offers for patients with commercial health insurance.
Not exactly. Medicare covers many types of services, and it’s divided into four parts. Part D helps patients pay for outpatient prescription drugs.
Hi! Tom here. Need more info on Part D and the other benefits that Medicare covers? I can help with that!
Take this quiz to find out!
Take this quiz to find out!
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Want to know more about commercial insurance? Click here
Commercial health insurance is a private plan. You might buy it yourself or get it through your employer. It is provided and administered by someone other than the government.
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Want to know more about Medicaid? Click here
Medicaid is a government program for low-income families, pregnant women, the elderly, and people with disabilities. It covers millions of Americans and is one of the largest payers for health care in the United States.
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Want to know more about Medicare? Click here
Medicare is a federal health insurance program for people aged 65 or older and for certain younger people with disabilities. It is divided into four parts (A, B, C, and D). Each part offers a unique type of coverage.
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Want to know more about what do do if you don’t have health insurance? Click here
All of these programs may help you afford your medication if you are uninsured. Ask your doctor for even more potential resources. And be sure to check out these programs from Novo Nordisk.