Native American Health Insurance in New Mexico

Meet Our Specialist:

My name is Shaina Ramone and I am a health insurance agent that specializes in providing health care coverage for Native American, Alaska Native, and urban Indian communities across 23 tribes in New Mexico.

The Native American community is near and dear to my heart and I am well connected with many Indian health care providers, and can be found at many Native American community events through out the year. From individuals to families to Medicare recipients, I have access to the essential health care services you need. If you ever see me, please stop me and say hello or come visit me at my office at 1504 Wyoming NE, Albuquerque NM, 87112.

New Mexico Native American Reservations we Support

Acoma PuebloPicuris Pueblo
Cochiti PuebloPojoaque Pueblo
Fort Sill Apache ReservationSandia Pueblo
Pueblo of IsletaSan Felipe Pueblo
Jemez PuebloSan Ildefonso Pueblo
Jicarilla Apache NationSanta Ana Pueblo
Santo Domingo (Kewa) PuebloSanta Clara Pueblo
Laguna PuebloTaos Pueblo
Mescalero Apache ReservationTesuque Pueblo
Nambe PuebloTortugas Pueblo
Navajo NationUte Mountain Ute Indian Reservation around 2,000 population
Ohkay Owingeh PuebloZia Pueblo
Zuni Indian Reservation

Tribal and IHS-Supported Health Insurance Options in New Mexico.

Understanding the unique insurance needs of tribal members is my area of expertise. Our team at Medicare Health Benefits facilitates enrollment in Medicaid, Medicare, and health plans through the health insurance marketplace. We ensure that our tribal clients can navigate these options with ease, particularly leveraging the benefits provided by the Indian Health Service (IHS).

As a local insurance agency, we focus on integrating IHS benefits with private health insurance to offer comprehensive health coverage that respects tribal sovereignty. Our outreach extends beyond typical services, ensuring we meet the needs of those at various federal poverty levels (FPL).

Read more about IHS healthcare locations in New Mexico.

Integrated Health Plans for Native American and Alaska Native Families

Our health plans are specifically designed with tribal protections in mind, providing cost-sharing reductions and zero-cost-sharing plans to reduce premiums, deductibles, and copays for tribal members. These health plans include covered services such as preventive care, management of chronic health conditions, and long-term care options.

For individuals and families, our health plans offer substantial support, ensuring access to essential services with minimal out-of-pocket costs. For elders, our Medicare plans are tailored to complement existing coverage from the Indian Health Service, enhancing benefits with additional support for dental, vision, and hearing needs.

FAQs: Navigating Health Insurance for Native Americans and Alaska Natives

What is special open enrollment for tribal members?

Special open enrollment allows tribal members to enroll in health coverage at any time of the year, not just during the typical open enrollment period. This flexibility helps ensure continuous and comprehensive health care coverage.

Will I need my tribal documents when applying for coverage?

Yes, tribal documents are required when applying for coverage through programs designed for Native Americans, including the Indian Health Service (IHS), Tribal, or Urban Indian Health Programs.

What does Medicaid help pay for?

Medicaid helps pay for many health services, including doctor visits, hospital care, prenatal care, vaccines for children, and more. It can be particularly beneficial in supplementing services not covered by the IHS.

What is Tribally-Sponsored Health Insurance?

Tribally-Sponsored Health Insurance is a program where a tribe or tribal organization provides health insurance to its members. It often covers services beyond those provided by the IHS, including care through private providers.

Does this affect my current Alaska Native health benefits?

Enrolling in additional health insurance programs like Medicaid or Medicare should not affect your current Alaska Native health benefits but can complement your existing coverage to provide more comprehensive health care.

Q: What are my options to get health care services?

Native Americans have several options for health care services, including the IHS, Tribally-Sponsored Health Insurance, Medicaid, Medicare, and private health insurance plans coordinated through the Health Insurance Marketplace.

How does the Indian Health Service coordinate with private insurance plans?

The IHS often coordinates with private insurance plans to extend health care coverage and reduce out-of-pocket costs for eligible individuals, providing more comprehensive health services than the IHS alone can offer.

How do I enroll in the Indian Health Service (IHS) program?

To enroll in the IHS program, you need to provide verification of tribal enrollment through recognized tribal documents.

Detailed information on how to enroll can be found on the IHS official website.

Q: Do Native Americans get free healthcare in the US?

Many Native Americans and Alaska Natives receive no-cost health services through the IHS; however, this does not cover all health needs.

Medicaid, Medicare, or private insurance can provide additional coverage.

What type of insurance do Native Americans have?

Native Americans can have various types of health insurance, including IHS coverage, Medicaid, Medicare, private insurance such as Medicare Advantage plans, and Tribally-Sponsored Health Insurance, depending on eligibility and personal choice.

What benefits do I get as a Native American?

As a Native American, you may qualify for benefits such as no-cost IHS care, Medicaid, premium tax credits, special enrollment periods, and cost-sharing reductions if you enroll in Marketplace insurance.

Who is eligible for Indian health services?

Eligibility for Indian health services is generally based on being a member of a federally recognized tribe or being an Alaska Native. More details on eligibility can be found on the HealthCare.gov website.

For further assistance or to discuss your health insurance needs, please contact Shaina Ramone at 505-234-1516 or visit our office. At Medicare Health Benefits, we are committed to being your trusted partner in health care, serving the Native American and Alaska Native communities with dedicated expertise and care.

Shaina Ramone