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Native American Benefits

How does health insurance benefit Native Americans?

If you are a member of a federally recognized tribe, you can get health care in several ways. Indian health care providers treat American Indians and Alaska Natives at Tribal and Urban Indian clinics, and Indian Health Services (IHS) facilities. IHS is the government agency that provides health services to most America Indians and Alaska Natives. Health insurance is something you buy to help pay for health care expenses. You can see doctors or hospitals who have agreed to provide care to the members of that insurance plan. Health insurance does not replace Indian health care—it supports it. Health insurance puts you in control of your health. If you have ongoing health conditions like diabetes or high blood pressure, health insurance can help pay for treatment and prescriptions. If you have an unexpected illness or serious injury, health insurance can help pay for urgent treatment and limit your medical expenses. Even if you are already healthy, health insurance pays for many preventative services and vaccinations to help you stay that way.


NAB Facts You Should Know:

  • Members can keep seeing their Indian health care provider, and when they do, health insurance pays for their care.

  • For many members, the monthly premium payment will be $0.00 and the medical costs are at no charge to the members as well.
  • Doctor appointments, medicines, and hospital visits could be at no cost to the member.
  • Members of federally recognized tribes can enroll during any month—not just during the “Open Enrollment” period that happens once a year.

Benefits to the tribe:

  • Money can be saved. The insurance company pays the Indian health care provider when a member uses their insurance card, which means more money is left in the Indian Health System.

  • A large network of medical resources for the Indian health care doctors to refer the patient if needed.


We have been recognized as an Elite Member in the Circle of Champions by the Health Insurance Marketplace. Our desire is to be an advocate for the American Indian by providing information and servicing any tribal member with additional medical coverage for their families.

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Educational Resources


Our passions is to educate people so that they can make informed decisions as to their insurance and financial planning needs. To reach this goal we have made several resources available online for you to use. Besides our online articles, Derby Insurance Solutions also hosts regular events to educate our clients on their insurance and financial needs. Click on the links below for more information.


Love the Derby team! They've been helping me with my health insurance questions and they've made me feel like family. Some businesses you trust and stick with knowing they have your back. The Derby's are those guys for me.

-Derek P.

I have been using Derby Insurance Solutions to help navigate the insurance world for over 5 years. They have unparalleled service and help answer all of my questions and help me find the best deal for my and my families needs. I have tried in the past to do it on my own and i end up paying for it. Use these guys and you won’t regret it. Katie is my rep and she is fantastic! Always goes above and beyond for me.
-Kyler E

I can't say enough good things about Derby Insurance, and specifically Katie who has gone to bat for us each time we have had a problem with BCBS, most recently with another Out-of-network issue. We deeply appreciate her expertise when it comes to asking the right questions and getting to the right people to take care of our concerns. We couldn't have done it without her and we would recommend Derby Insurance Solutions wholeheartedly for your insurance needs, whatever they may be.

-Sherrie P.

Our insurance situation was unusual and required a lot of research and some tough decisions. We were overwhelmed with information and running out of time when we called Derby. Katie was amazing! She answered our endless questions and calmed our fears throughout the enrollment process. Bob was a big help as well. The plan we ended up choosing has been perfect for us. Thank you Derby Insurance Solutions!

-Rhonda J

Bob has been my agent since 2005. He and his team have always been very responsive and have helped me find the health insurance plan that provides me with the coverage I need at the lowest possible price. I appreciate their help in navigating this confusing area of insurance coverage.

-Bill M.

I trust Derby Insurance Solutions for me and my family and highly recommend them. They are friendly, happy to assist in finding the right policy and have many options!

-Joel J

Bob is a man of integrity. He has taken care of my families needs and that of every client I send his way. Great family owned business!!

-Jason D.


Bob has been our agent for over 14 years. He is very knowledgeable about health insurance. Bob is great. Always has a great plan of action for our insurance needs.

-Kerri F.

I've been using Bob Derby for about two years now, they have wonderful service, and they truly care about the best interests and needs of the individual customer. You feel like you're treated like family and everything is customized perfectly for the needs of the individual. I would absolutely recommend doing business with Bob and his great group of people.
-Spiro M.

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820 N. Sycamore Ave.
Broken Arrow, OK 74012

Phone: 918-451-9783

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