What is the Native American Health Insurance plan?
A PRIVATE INSURANCE PLAN (SUCH AS BLUE CROSS AND BLUE SHIELD)
WITH $0 DEDUCTIBLES/$0 COPAYS FOR DOCTORS & PRESCRIPTIONS
NON-NATIVE FAMILY MEMBERS CAN QUALIFY FOR A PLAN BASED ON INCOME
USES MAJOR INSURANCE NETWORKS OF DOCTORS, HOSPITALS & SPECIALISTS
USES MAJOR INSURANCE NETWORKS OF PHARMACIES FOR PRESCRIPTIONS
NO MORE REFERRALS NEEDED THROUGH YOUR TRIBE
NATION-WIDE COVERAGE OFFERED, DEPENDING ON LOCATION
MOST WHO QUALIFY WILL HAVE A $0 OR LOW MONTHLY COST
FREE, PERSONAL SERVICE FROM LICENSED, LOCAL AGENTS
Under the Affordable Care Act, American Indians and Alaska Natives can qualify for a private health insurance policy with additional benefits for members of Federally Recognized Tribes. If you qualify for this plan, you can enroll in a “zero cost sharing” plan. This means you will have a private health insurance plan, but you won’t have to pay any out-of-pocket costs for covered services -- like deductibles, copayments, and coinsurance -- as long as you are in-network with the insurance company.
What are the fees for signing up?
We are a local, family-owned health insurance agency currently licensed in Oklahoma, Texas, Kansas, Missouri, & Arkansas. We do not charge anything for our services. Furthermore, we are happy to assist you with your qualification questions and enrollment, as well as providing continued service throughout the life of your policy. This includes application changes, renewals, document submission, appeals and any questions you have about your plan benefits or account.
How much does it cost per month?
Most of our clients who qualify have $0 or low-cost plans, but the price will depend on your family size, income level, tobacco use and location. Once you find out if you qualify, a personal agent will assist you with a quote and help you enroll.
My spouse/children are not Native American, can they still qualify?
Yes, they can qualify for a health plan, however their benefits will be based on the household income instead. Only card-carrying members of a Federally Recognized Tribe will qualify for the 100% coverage benefits. However, family members that are not tribal members can still qualify for plans that may have lower deductibles and prices, depending on the household income.
What types of care are covered on these plans?
The Essential Health Benefits requirements ensure that everyone in the individual market has access to comprehensive coverage that actually covers the services they need. These essential health benefits fall into 10 categories:
What if I have other insurance offered to me?
If you have a government-sponsored plan offered to you, such as Medicare/Medicaid or VA/TRICARE, you won't be able to qualify for this particular plan. Sometimes, if you (or your spouse) has employer coverage offered to you, it can interfere with qualifying; however, here are some exceptions to this rule.
How do I enroll?
If you would like to enroll, please fill out the form above to answer a few short questions and an agent will call you to verify your eligibility and go over your monthly price (if any). You can also call us anytime at 918-876-0999.
Will I still need to get referrals through my tribe?
No, you will not be required to get referrals through the tribe to use this insurance. When using your new insurance, you will have access to hospitals and doctors outside of your tribe, or you can continue to use your insurance at your tribal providers.
When can I enroll?
Those who are Federally Recognized Tribe Members can enroll any time of the year.
- NO MORE REFERRALS NEEDED THROUGH YOUR TRIBE
- USE MAJOR INSURANCE NETWORKS FOR DOCTORS, HOSPITALS & SPECIALISTS
- USE MAJOR NETWORKS OF PHARMACIES FOR PRESCRIPTIONS
- NATION-WIDE COVERAGE OFFERED DEPENDING ON YOUR LOCATION
What are the fees for signing up?
We are a local, family-owned health insurance agency currently licensed in Oklahoma, Texas, Kansas, Missouri, & Arkansas. We do not charge anything for our services. Furthermore, we are happy to assist you with your qualification questions and enrollment, as well as providing continued service throughout the life of your policy. This includes application changes, renewals, document submission, appeals and any questions you have about your plan benefits or account.
How much does it cost per month?
Most of our clients who qualify have $0 or low-cost plans, but the price will depend on your family size, income level, tobacco use and location. Once you find out if you qualify, a personal agent will assist you with a quote and help you enroll.
My spouse/children are not Native American, can they still qualify?
Yes, they can qualify for a health plan, however their benefits will be based on the household income instead. Only card-carrying members of a Federally Recognized Tribe will qualify for the 100% coverage benefits. However, family members that are not tribal members can still qualify for plans that may have lower deductibles and prices, depending on the household income.
What types of care are covered on these plans?
The Essential Health Benefits requirements ensure that everyone in the individual market has access to comprehensive coverage that actually covers the services they need. These essential health benefits fall into 10 categories:
- Ambulatory patient services (outpatient services)
- Emergency services
- Hospitalization
- Maternity and newborn care
- Mental health and substance use disorder services, including behavioral health treatment
- Prescription drugs
- Rehabilitative and habilitative services (those that help patients acquire, maintain, or improve skills necessary for daily functioning) and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care
What if I have other insurance offered to me?
If you have a government-sponsored plan offered to you, such as Medicare/Medicaid or VA/TRICARE, you won't be able to qualify for this particular plan. Sometimes, if you (or your spouse) has employer coverage offered to you, it can interfere with qualifying; however, here are some exceptions to this rule.
- If the employee-only, lowest-cost option is deemed "unaffordable" (a yearly set limit on percentage of total income), you might be able to qualify for an exception. Our office can go over these specific details with you.
- If you are losing your Medicaid or employer coverage soon, you could still qualify.
- If none of these exceptions fit your situation, there are other types of plans that might be a better fit or more affordable alternatives for you. If you think you might qualify for an exception, or you'd like to go over alternative choices, we would be happy to go over your options with you.
How do I enroll?
If you would like to enroll, please fill out the form above to answer a few short questions and an agent will call you to verify your eligibility and go over your monthly price (if any). You can also call us anytime at 918-876-0999.
Will I still need to get referrals through my tribe?
No, you will not be required to get referrals through the tribe to use this insurance. When using your new insurance, you will have access to hospitals and doctors outside of your tribe, or you can continue to use your insurance at your tribal providers.
When can I enroll?
Those who are Federally Recognized Tribe Members can enroll any time of the year.
