About the Author:
My name is Shaina Ramone and here at Medicare Health Benefits, I specialize in providing trusted health care coverage for Native American, Alaska Native, and urban Indian communities.
My commitment to culturally competent health insurance coverage ensures that all tribal members in New Mexico and Arizona, from individuals to families to Medicare recipients, have access to the essential health care services they need. This community is near and dear to my heart and I currently support 23 tribes across the state, connected with many Indian health care providers, and can be found at many Native American community events through out the year. If you ever see me, please stop and say hello!
Why Trust Medicare Health Benefits for Your Health Insurance?
Expertise in Native American and Alaska Native Health Insurance
With deep expertise in health insurance for Native American and Alaska Native communities, we offer guidance on everything from Medicaid enrollment to the Children’s Health Insurance Program (CHIP) and health plans through the health insurance marketplace for those meeting eligibility within the federal poverty level (fpl) requirements.
Our team is well-versed in the specific needs of tribal members and offers support for navigating both private insurance and public health benefits like those available through the Indian Health Service (IHS).
We are not associated with the federal government, we are a local insurance agency and community resource center that has been serving Native American communities since 1996.
Health Insurance that Meets Tribal Needs
Our team includes members from tribal communities who provide culturally informed guidance.
We collaborate with the Indian Health Service, Urban Indian Health Programs, and Tribal Health Programs, ensuring seamless integration of IHS and private health insurance benefits for those eligible.
We are here to guide you through special enrollment periods, exemptions, and other opportunities unique to federally recognized tribes.
Health Insurance Options for Native American and Alaska Native Communities
Individual and Family Health Plans
For individuals and families, we offer health plans with covered services such as preventive care, primary care, and long-term care options. With protections for tribal members and cost-sharing reductions, our plans make health insurance accessible and affordable.
- Preventive Care and Health Services: Access regular check-ups, immunizations, and screenings at minimal or no out-of-pocket costs.
- Support for Chronic Health Conditions: Our plans address chronic conditions, with coverage for essential medications, doctor visits, and hospital care.
- Specialized Plans for Tribal Members: Members of federally recognized tribes may qualify for zero-cost-sharing or limited cost-sharing plans, reducing premiums, deductibles, and copays.
Medicare Plans for Native Americans
Understanding Medicare qualified health plans and the options available to tribal members can be complex.
We specialize in Medicare enrollment assistance, helping Native American elders access the benefits they deserve, including Medicare Part A, Part B, and Medicare Advantage Plans. We also offer support for Medicaid, which can supplement Medicare coverage and provide additional benefits.
- Medicare Advantage: Enhanced Medicare plans that offer additional benefits such as dental, vision, and hearing coverage.
- Medicare Supplement Plans: Cover out-of-pocket costs that Medicare alone may not cover, like copays and coinsurance.
FAQs for Native American and Alaska Native Health Insurance
- What is special open enrollment for tribal members?
Tribal members can enroll in health insurance at any time of the year through a special enrollment period, without waiting for the annual open enrollment period. - How can I enroll in the Indian Health Service (IHS) program?
Enrolling in IHS requires verification of tribal enrollment. Visit IHS.gov for locations and directory information. - Do Native Americans receive free healthcare in the U.S.?
Many Native Americans and Alaska Natives have access to no-cost health services through the IHS. Private health insurance, Medicaid, or Medicare can supplement IHS benefits for expanded health care services. - What benefits do I receive as a member of a federally recognized tribe?
Members of federally recognized tribes may qualify for premium tax credits, zero-cost-sharing plans, and exemptions from certain health insurance requirements.
Essential Links for Health Insurance Resources
- Indian Health Service (IHS): Learn more about IHS and health services for Native American and Alaska Native communities at ihs.gov.
With Medicare Health Benefits as your health insurance partner, you have the expertise, culturally informed resources, and support necessary to secure the right health insurance plan for you and your family.
Contact us today to discuss your health coverage options or begin your enrollment.
