YOU, YOUR FAMILY AND YOUR COMMUNITY BENEFIT FROM HEALTH INSURANCE

YOU AND YOUR FAMILY HAVE MORE CHOICES WHEN YOU HAVE HEALTH INSURANCE.

Contract Health Services (CHS) does not have enough money to meet all the needs, so there is a priority list and sometimes CHS runs out of money. If you have health insurance, you can get the health services you need even if it is not high on the CHS priority list and even if CHS is out of money. Health insurance will pay for things when your Tribal or IHS program does not provide them, such as medical specialists, tests, emergency room visits, and hospital care.

YOUR COMMUNITY HAS MORE RESOURCES FOR HEALTH CARE WHEN YOU HAVE HEALTH INSURANCE.

The Indian Health Service is funded at only about half the level of need, and Tribes only get about half the funding they need from the Indian Health Service. Your Indian health clinic must get the other half of funding from other sources, such as billing insurance.

ISN’T IT “DOUBLE DIPPING” FOR IHS OR MY TRIBAL CLINIC TO RECEIVE FUNDING FROM CONGRESS AND ALSO BILL MY INSURANCE?

Congress expects IHS and Tribes to bill other insurance. The funding for Indian health care comes from many sources. The money is needed to provide services for everyone in our Tribal communities.

WHAT ABOUT THE FEDERAL TRUST RESPONSIBILITY? SHOULDN’T THE FEDERAL GOVERNMENT PAY FOR ALL OF MY HEALTH CARE?

The Federal government is paying for Indian health care through many programs in addition to the Indian Health Service. In the new Health Insurance Marketplaces, the Federal government is paying a portion of the cost of insurance for people whose income is below 400 percent of the federal poverty level. Also, there are special provisions for the Federal government to pay the co-pays and deductibles for American Indians and Alaska Natives enrolled in Exchange plans.

VIDEO:
New Funding for Indian Health Care
by Nathan Young