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Native Americans

BeWell is dedicated to connecting Native Americans in New Mexico to affordable, high-quality health insurance that helps supplement Indian Health Services and Tribal Health Care Center coverage.

If you are Native American, and a member of a federally recognized tribe, you may get additional benefits when you sign up for a health insurance plan through BeWell. These include:

  • You can enroll in a health insurance plan at any time. You do not need to wait for Open Enrollment or qualify for a special enrollment period. 
  • You may be eligible for special cost sharing options that reduce your “out-of-pocket” expenses, such as deductibles and premiums. 
  • You can continue seeing Indian Health Service (IHS) or Tribal Health Care Center doctors. There’s no copay, deductible or coinsurance at IHS or Tribal Health Care Centers. And you don’t need an IHS or Tribal Health Care Center referral to see a provider outside of IHS.

Helpful Articles for Native Americans

Grandchild  visit grandmother in hospital
Certified Assister Miranda Tso stands in front of beWell signage. There is an orange glow to the background. Miranda wears a black zip-up jacket, black pants, and glasses.

How BeWell Works with IHS

A health insurance plan with BeWell does not replace IHS or Tribal Health Care coverage. It supplements your IHS and Tribal Health Care Center coverage. Our plans pay for emergency care when you travel, and you can see providers outside the IHS and Tribal Health Care service area. Services include:

  • Emergency care
  • Hospital stays
  • Lab services
  • Maternity and newborn care
  • Mental health and substance use disorder
  • Outpatient care, Rehab services and equipment
  • Prescriptions

We Help Your Local IHS Clinic

Getting additional insurance can also help your local IHS clinic! When insurance pays IHS or Tribal Health Care Centers for your medical visits through a BeWell plan, IHS and Tribal Health Care Centers can use that money to take care of your neighbors.

Get Help from a Native American Assister

Our Native American certified assisters can help you understand how our plans work with IHS or Tribal Healthcare Center coverage, and how to find the best plan for your needs and budget.

How to Get Financial Assistance

BeWell is the sole provider of subsidies that can significantly reduce the cost of health insurance. During the 2023 Open Enrollment period, 37% of selected plans cost New Mexicans $10 or less per month.