Understanding insurance

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.

Insurance 101

With all of the different health insurance options available, it can be hard to know which is right for you. These videos explain how health insurance works, important things to think about when considering a health plan, and ways to help you make the most of your plan.

Health insurance video series

How does health insurance work?

Health insurance video series

7 questions to ask when comparing health insurance plans

5 tips to make the most of your health insurance

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.

Learn more about

Commercial or private insurance

What is government coverage?

Government coverage is when your healthcare program is funded by the government. These programs include:
  • Medicare
  • Medicaid
  • 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

Learn more about

Medicare

Learn more about

Medicaid

How do I find out what my coverage is?

If you’re not sure what type of healthcare coverage you have, we can help.

Give us a call to speak with a Care Coordinator.

Mon–Fri,

What do I do if my healthcare plan does not approve my treatment?

Sometimes, you may not be able to get the medicine that your doctor has prescribed for you. For example, your health plan might not cover the medicine if it is not on the drug list (formulary). Or your medicine 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 medicine available to you as an exception.

Health Insurance Open Enrollment Guide
Health Insurance Open Enrollment Guide
Health Insurance Open Enrollment Guide

Health Insurance Open Enrollment Guide

Health Insurance Open Enrollment Guide (en español)

Review your coverage and make necessary changes so you can stay on treatment in the new benefit period.

IMPORTANT SAFETY INFORMATION

The support and resources provided by J&J withMe are not intended to provide medical advice, replace a treatment plan you receive from your doctor or nurse, or serve as a reason for you to start or stay on treatment.

Information about your insurance coverage, cost support options, and treatment support is given to you by service providers for J&J withMe. The information you get does not require you to use any 
Johnson & Johnson product.