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Questions

How does Medicare work with Indian Health Service in North Carolina?

Medicare and Indian health care work together. You can keep using IHS, tribal or urban Indian providers, and they bill Medicare for covered services. For care your Indian health program arranges outside its clinics, IHS pays last, after Medicare. Indian health care also counts as creditable drug coverage, so there's no Part D late penalty.

Two systems that work together

The Indian Health Service, part of the U.S. Department of Health and Human Services, provides federal health services to American Indians and Alaska Natives. If you qualify for IHS and Medicare, you can use both. CMS's Division of Tribal Affairs says:

  • With Original Medicare, you can keep seeing your Indian health care provider, and most IHS, tribal and urban Indian clinics are paid by Medicare for the covered services they provide.
  • Enrolling benefits your tribal health program, because Medicare payments give it more resources for services.
  • Some tribes pay Medicare premiums for their members (sponsorship). Ask your provider.

Why IHS expects you to use Medicare

When your Indian health program refers you to an outside specialist or hospital, it may pay through Purchased/Referred Care (formerly called contract health services). Federal rules make IHS the "payor of last resort" for that care: it won't pay to the extent you're eligible for Medicare, Medicaid or other coverage, or would be eligible if you applied (42 CFR 136.61). In practice, Cherokee Indian Hospital says it screens every patient for Medicaid, Medicare or private insurance before using referred-care funds.

With Original Medicare, CMS says the referred-care program coordinates your referral and often pays Medicare deductibles, copays and coinsurance.

If you're thinking about Medicare Advantage

CMS cautions that your Indian health care provider may not be in a Medicare Advantage plan's network and may be paid less or not at all. CMS's advice is to contact your Indian health provider before you enroll. Medicare Advantage plans may offer extra benefits such as dental, vision, hearing or fitness. Extra benefits vary by plan and county, may have limits and costs, and not every plan offers them. Check a plan's Summary of Benefits or Evidence of Coverage.

Prescriptions and Part D

  • Creditable coverage. CMS says care from IHS, a tribe or tribal organization, or an urban Indian organization includes creditable drug coverage, so you won't pay a Part D late penalty if you join a plan later (42 CFR 423.56). Ask for a letter confirming it.
  • No interruption. If you get drugs through an Indian health pharmacy, Medicare says you'll keep getting them at no cost, and a Medicare drug plan pays the facility for them.
  • Low income? Extra Help and North Carolina's Medicare Savings Programs (MQB) can lower other Medicare costs.

What to do

  1. Sign up for Medicare when you're first eligible. Contact Social Security at 1-800-772-1213 (TTY 1-800-325-0778).
  2. Talk to the benefits coordinator before choosing a plan. Ask whether a plan works with your provider and your referred-care program.

More in our guide to American Indians and Medicare in North Carolina. You can also request a call from a licensed insurance agent.

Sources

More questions in this guide

Part of the guide: American Indians and Medicare in North Carolina · All questions

Frequently asked questions

Do I have to enroll in Medicare to keep IHS care?

No law makes you choose. But IHS regulations treat Medicare as an alternate resource: IHS won't pay for purchased or referred care to the extent Medicare would, or would if you applied. Not enrolling can leave you with less help for outside care.

Will I pay Medicare cost sharing at an Indian health clinic?

CMS says out-of-pocket costs should be limited when you see an Indian health care provider, and referred-care programs often pay Medicare deductibles and coinsurance for referred care. Ask your provider how it handles your share.

Who runs Indian health care in North Carolina?

IHS's Nashville Area covers North Carolina. Its only North Carolina facility, Cherokee Indian Hospital, is run by the Eastern Band of Cherokee Indians' hospital authority as a tribally administered program.

Licensed insurance agents for North Carolina

These independent insurance agents are licensed in North Carolina and work with Benefits Life, the publisher of this site. When they enroll you in a plan, the agent and Benefits Life may be paid by the insurance company. Learn more.

Casey Gilley

Casey Gilley

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Chapel Hill · English

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Steven Graves

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Southern Pines · English

Berenice Suarez

Berenice Suarez

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Independent licensed insurance agent in North Carolina

Colorado Springs, CO · English, Spanish

Chiara Lewis

Chiara Lewis

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Independent licensed insurance agent in North Carolina

Littleton, CO · English

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