Native Americans can learn about the cost of health insurance with help from beWellnm. You may qualify for tax credits and reduced costs to help you pay for health insurance.
Zero Cost Sharing Plan
No copays, deductibles or coinsurance when receiving care from both an Indian Health Service/Tribal 638 or through the Qualified Health Plan.
Limited Cost Sharing Plan
No copays, deductibles or coinsurance when receiving care from both an Indian Health Service/Tribal 638 BUT will need a referral from an Indian Health Service/Tribal 638 to avoid cost sharing when receiving care through the Qualified Health Plan.
Please note: The legality and the availability of the Cost Sharing Reduction (CSR) payments is currently in question. beWellnm informational materials, including our website, will reflect changes as soon as the situation is fully and completely adjudicated and final decisions have been reached.
What are the costs?
- Premium: A monthly fee for health insurance. If you get a premium subsidy, you’ll pay a lower premium.
- Costs when you get health care: Native Americans may have low or no deductibles, copays or coinsurance for health services. Learn about reduced costs for services throughout the year.
- Deductible: The amount of money you pay before your plan starts to help you pay your bills.
- Copay: A payment you make at the doctor’s office, urgent care clinic, ER or the pharmacy. Example: A $20 copay for doctor visit.
- Coinsurance: A percentage of costs you pay for your health services. Example: A bill for 20% of the cost of surgery.