Native American Health Insurance Benefits – Nothing Beats This Coverage

Every single day at Derby Insurance Solutions we receive dozens of calls requesting help and information about “Native American benefits” or Native American Insurance Tulsa. While there are many health benefits and special programs available to help the Native American community, particularly through IHS (Indian Health Services) and other federal programs, there is one type of coverage that is so amazing, many people don’t believe that it’s real. We understand why our clients feel this way, for the benefits that are offered really do seem to be too good to be true.

However, the excitement and word about this fantastic program is starting to spread and there is no doubt about it—this is the real deal! Through a special provision of the Affordable Care Act of 2010, or what is more commonly known as “Obamacare,” Native Americans who qualify are offered cost reductions for whatever healthcare plan they choose, through any federally approved Oklahoma health insurance company.

What does this mean? In a nutshell, any qualifying Native American can receive the most incredible insurance coverage levels available anywhere—or Native American Insurance Tulsa—with all necessary medical care provided through their network of choice (including Blue Cross Blue Shield and Community Care)—at no cost to them.

Why is this a big deal? As an example, most current Bronze plans through the Marketplace offer a $6000 Deductible and a $9450 Out-of-Pocket Maximum per person. That means that the patient must pay the first $6000 in expenses for their medical care (except for preventive care services, such as an annual physical or a mammogram, for example, which is provided to the insured at no cost to them by law under the Affordable Care Act), and then they get some help paying for their medical expenses from the insurance company until they meet the Out-of-Pocket Maximum, or the “real number” as we like to call it. So potentially, a typical, non-Native client would need to pay their premium every month and then could possibly have to pay an additional $9450 each year for their medical care.

However, for our Native clients who meet specific qualifying criteria—they can have the same plan and same network and same covered services with the same low premium, but they receive a $0 (ZERO dollar) Deductible and a $0 (ZERO dollar) Out-of-Pocket Maximum. This means that depending on their income, those who qualify for Native American Insurance can receive all their medical care for no cost. Having a baby and you have Native American benefits? ZERO dollars! Need a surgery like a knee replacement or a hysterectomy? ZERO dollars! Have an unexpected emergency and need to be hospitalized? ZERO dollars! Battling cancer and you need ongoing treatment? ZERO dollars!

On top of that—many of our clients receive this coverage at no monthly cost to them! That is because all Americans within a certain income range often qualify for enough Advance Premium Tax Credit to cover the entire premium cost for many of the least expensive Bronze plans—and that is all our Native American Insurance clients need! There is absolutely no benefit to our Native American Insurance Tulsa clients paying higher monthly premium payments for a more expensive Silver or Gold plan because Native American Insurance benefits always change the Deductible and Out-of-Pocket Maximum numbers to ZERO.
Now, if you are Native American and your income is a little higher than the minimum to qualify, you may have a premium payment. That is because all American, whether Native or not, receive the same amount of Premium Advance Tax Credit depending on the calculation of household income, age, and where they live. There is also a maximum income level that our Native American Insurance Tulsa clients have to be below to receive these ZERO dollar benefits. The higher the household income, the more your premium payment will be. But if you fall within the “window of opportunity”—above the minimum household income and below the maximum household income limit—then all health care services provided to you will be ZERO dollars!