Understanding Insurance

The Gilead Advancing Access® program can help you understand the different types of insurance.


Health insurance that is usually purchased by an employer or individually from a private/commercial health insurance company. This does not include health plans that are purchased through federal or state government employers. Commercial plans are generally offered as a preferred provider organization (PPO), point of service (POS), or health maintenance organization (HMO) plan.


Health insurance that is funded by the federal government or a state government. Examples include Medicare Part D plans, Medicaid plans, VA, TRICARE, and Federal Employee Health plans.

Other Insurance Support

You may be eligible for other state health insurance programs, such as ADAP, which provides FDA-approved medications to low-income people living with HIV who have limited or no health coverage from private insurance, Medicaid, or Medicare. To learn more, visit .

Health Exchange

Health insurance that is purchased through government-regulated marketplaces with different tiers or levels of coverage. Health exchanges were established in accordance with the Patient Protection and Affordable Care Act (PPACA). Examples of Exchange plans include "Metal Tier" plans in gold, silver or bronze.

Check out the glossary if you have questions about what certain insurance terms mean.

Still have questions? Reach out to an Advancing Access program specialist:

Get Started With Advancing Access

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