Health Coverage and Indian Country
Below we have provided information about new coverage options and American Indian provisions in the health law. But don’t worry if you have questions or need help applying. There are local enrollment assisters in your community who can help you through the process. Their help is always free and confidential.
Montana Medicaid
Montana Medicaid provides an affordable coverage option for those who are eligible. To be eligible, you must meet the income guidelines, be a Montana resident ages 19 – 64, and be ineligible for/not covered by Medicare.
American Indians (both enrolled members and decedents) who are eligible for Montana Medicaid will not have premiums or copays and will have access to a full set of benefits including:
- Doctor, hospital, and emergency services
- Prescription drugs
- Dental and vision care
- Laboratory and x-ray services
- Maternity and newborn care
- Mental health and substance abuse treatment
- Rehabilitative services and supplies
- Transportation to appointments
Marketplace Options
- Enrolled Members of Federally Recognized Tribes and the Marketplace:
Using a Special Enrollment Period (SEP), enrolled members can apply anytime throughout the year. Depending on their income, members of federally recognized tribes may be eligible for a zero cost-sharing plan. This means that there are no additional out of pocket costs other than the monthly premium. - American Indian Descendants and the Marketplace:
American Indian descendants are not eligible for the same benefits as enrolled tribal members. Descendants may qualify for tax credits or cost-sharing reductions on the Marketplace, depending on their income and family size. Descendants don’t qualify for a Special Enrollment Period that allows them to enroll anytime and generally need to enroll during Open Enrollment.