Getting Health Insurance

8 Ways the Health Care Law Affects American Indians

Those who were once uninsured now have a variety of health insurance choices under the Affordable Care Act.  The online Health Insurance Marketplace  is a great place to shop for health insurance or you can shop our plans here.

You and your family may be able to get help paying for your insurance:

  1. The advanced premium tax credit helps you pay for your insurance premiums – the monthly cost of coverage – and can be applied in advance to lower your monthly premiums.
  2. Lower out-of-pocket costs, so you’ll pay less when you go to a doctor, clinic or hospital.


If you are a member of a federally recognized tribe, you may not have to pay anything out of pocket for certain services that you receive if:

Out of pocket Costs

*Based on being an enrolled member of a federally recognized tribe with a valid C.D.I.B. card.

Even if your household income is more than $35,010 for an individual or $71,550 for a family of 4, you may not have to pay anything out of pocket for certain services received at an Indian Health Services (IHS) facility, tribal organization, or Urban Indian organization provider, or through referral under contract health services. Members of federally recognized tribes and Alaska Native shareholders are eligible for monthly special enrollment  periods through the Marketplace, not just during the yearly Open Enrollment period. Blue Cross and Blue Shield of  Illinois can help you find health insurance that meets your needs and fits your budget. Here’s how it works:

  1. Compare  plans offered by the insurance companies in your area.
  2. Shop  for a plan that fits your needs and budget. You can also find out if you qualify for help paying for premiums and out-of-pocket costs.
  3. Sign up  for a plan.

You can sign up for coverage online, over the phone, or with a paper application. You can also find someone in your area that can help you apply in-person  with a paper or online application.

Other Benefits of the Affordable Care Act

  1. Coverage for pre-existing conditions is guaranteed.
    Even those with a pre-existing condition, such as asthma or diabetes, are eligible for health insurance and won’t pay more because of their condition.
       
  2. Your young adult children can stay on your coverage until they are 26.
    They don’t have to live with you, or be a tax dependent. They don’t even have to be full-time students in school. Even if they’re employed or married, they can stay on your coverage until they turn 26.
        
  3. Insurance plans cover a wide range of benefits.
    All new health care plans will cover essential health benefits, including maternity and newborn care, prescription drugs, hospital care and most preventive services, such as mammograms and immunizations.
        
  4. No cap on essential benefits.
    Don’t worry about running out of coverage for the benefits you need. The health care law removes lifetime dollar limits on many essential health benefits.
        
  5. Your coverage will be there when you need it most.
    Even if you need ongoing and complex medical care, your insurance can’t be cancelled unless you don’t pay your premiums or in cases of fraud.

If you have any questions, ask us below!

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