Drug misuse is when a medication is used inappropriately and not according to medical advice (wrong dosage, frequency, etc). Drug abuse refers to use of illegal drugs.
Explanation:
Drug misuse can be related to legal or illegal drugs. Although by definition, drug abuse refers to illegal drugs, one could argue that drug misuse could also be considered abuse.
insurance provider (e.g. an insurance company or a government) and an individual or his/her sponsor (that is an employer or a community organization) .