8 Ways the Health Care Law Affects American Indians

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The Affordable Care Act has helped many people get health insurance who were once uninsured. You now have more choices when choosing health coverage using the Health Insurance Marketplace. The Marketplace is a great place to shop for health insurance for you and your family. You can visit the Marketplace online or shop our plans here. Two options may be available to help you pay 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:

family out of pocket cost

*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 greater 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 Montana 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 are able to sign up for coverage over the phone, online, or with a paper application. You can also apply with help in-person with someone in your area who can sit with you and help you fill out a paper or online application.

Other Benefits of the Affordable Care Act

  1. Coverage for pre-existing conditions is guaranteed.
    Everyone is able to get insurance that covers a pre-existing condition like asthma or diabetes, and you won’t pay more because of your 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, and do not have to be full-time students in school. Even if your young adult children are fully employed, they can stay on your coverage until they are 26.

  3. Coverage on essential benefits won’t be capped.
    You don’t have to worry about running out of coverage for the benefits you need. The health care law removes lifetime dollar limits on many essential health benefits.

  4. Insurance plans cover a wide range of benefits.
    All new health care plans will cover essential health benefits. These benefits include newborn care and maternity, prescription drugs, hospital care and most preventive services, such as immunizations and mammograms.

Still have questions? Ask us in the comments!


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