I am a member of a federally recognized tribe here in Arizona. I receive all my medical needs through the Indian Health Service at no cost. Do I still have to have Medicare?
Answered by 7 licensed agents
Answered by Larry Dalton on April 23, 2025
Broker Licensed in OK & TX
Answered by Steven Bleicher on April 24, 2025
Broker Licensed in AZ
Answered by Fred Manas on April 24, 2025
Agent Licensed in NY, CT, DC & 7 other states
Answered by Tony Hardwick on April 28, 2025
Agent Licensed in GA, AZ, CA & 15 other states
Answered by Michael Hixson on April 28, 2025
Broker Licensed in OK, AR & TX
Here's why it's beneficial to have both:
Expanded Coverage:
Medicare can provide additional benefits and coverage, especially for specific medical needs not always covered by IHS.
Flexibility:
Medicare allows you to access specialists and other providers outside of IHS facilities, according to Healthline.
Financial Stability:
Medicare can provide financial protection against unexpected high medical costs, says Medigap.com.
Tribal Support:
Many tribes encourage or support their members to enroll in Medicare.
Key Considerations:
Enrollment:
You can enroll in Medicare regardless of your IHS eligibility.
Cost:
While Medicare itself can have premiums, some plans offer lower or zero-cost options, according to MedicareFAQ.
Coordinating Care:
Your IHS provider can help you understand how Medicare and IHS work together.
Additional Insurance:
You might also consider supplementary insurance or a Medicare Advantage plan for more comprehensive coverage, according to MedicareFAQ.
For more information and guidance, consult your IHS provider or the Centers for Medicare & Medicaid Services (CMS).
Answered by Patrick Stinson on April 30, 2025
Broker Licensed in TX, AR, AZ & 9 other states
1. **Expanded Coverage:** Medicare can provide access to a broader range of healthcare providers and services that might not be available through IHS alone.
2. **Coordination of Benefits:** If you have Medicare, it can be used in conjunction with IHS services. Medicare can cover services outside of what IHS provides, potentially reducing out-of-pocket costs for certain treatments.
3. **Future Needs:** Enrolling in Medicare when you first become eligible can prevent late enrollment penalties if you decide to use Medicare services in the future.
4. **Access to Specialists:** Medicare can provide access to specialists and facilities that may not be available through IHS.
5. **Prescription Drug Coverage:** Medicare Part D offers prescription drug coverage, which might be beneficial if you require medications not covered by IHS.
It's important to weigh your healthcare needs and consider how Medicare might complement the services you receive through IHS. Consulting with a benefits coordinator at your tribal health facility or a Medicare advisor can help you make an informed decision based on your special situation!
Answered by Arsenio Sallie on April 24, 2025
Agent Licensed in PA, OH & WV
Tags: The Medicare System Turning 65
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