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Health Insurance

Understanding insurance can be complex, you do not need to navigate it alone. WCHS is NOT an insurance company, but we do have a team of Patient Benefits Coordinators that are here to help guide you. 

Our team is responsible for working directly with patients to help understand what benefits they qualify for, apply/enroll in a coverage plan, or request a medical support resources. 

As tribal health system, we provide federally-funded health services to all Native Americans as the payer of last resort. This means that our patients are asked to apply for alternative resources, including but not limited to Medicare A & B, state Medicaid, state or other federal health programs, or private insurance. WCHS operates on limited resources and as we grow, go further, and expand the preventive health resources we offer, we continue to ask all patients to bring a valid insurance card when they check in for their appointments or walk-in for visits. 

Understanding insurance can be complex, you do not need to navigate it alone. Let WCHS help & guide you as you apply for alternate resources before utilizing our services. 

Why Enroll in Medical Benefits?

When you think of tribal healthcare, you might not be thinking insurance, but having insurance can guarantee your healthcare coverage anywhere you go, not just at WCHS.

  • Financial Protection: Medical emergencies or chronic conditions can lead to significant expenses without insurance. Health coverage helps mitigate these costs, reducing financial stress for individuals and families. It will streamline the Purchase Referred Care approval process and ensure that healthcare remains accessible, regardless of economic status.
  • Holistic Wellness: Health insurance often includes coverage for mental health services, substance abuse treatment, and wellness programs. These resources are essential for addressing the holistic health needs of tribal members and promoting overall well-being.
  • Community Impact: When tribal members have access to health insurance, it benefits the entire community. Healthier individuals lead to stronger families and communities, contributing to overall prosperity and resilience. Consistent insured services enable our health system to continue to support healthcare services for the next seven generations. 

Please call 402-745-3950 to schedule an appointment or stop by our business offices before or after your visit.

Medicaid

Medicaid coverage is available for Nebraskans age 19-64 who earn up to 138% of the federal poverty level or less than $17k a year for a single person. Coverage includes services like doctor’s office visits, hospital visits, and prescription drugs. Some individuals may additionally qualify for dental, vision, and over-the-counter drug coverage. Enroll today by calling (855) 632-763, visiting a local DHHS office, or online below. 

Medicare

Medicare is health insurance for people 65 or older. You may be eligible to get Medicare earlier if you have a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). 

Some people get Medicare automatically, others have to actively sign up -- it depends if you start getting retirement or disability benefits from Social Security before you turn 65. 

Private Insurance

If you are a full-time employee, you are likely eligible to enroll in medical insurance through your employer. If you are a part-time employee, between employers, or somewhere without employee benefits but do not qualify for Medicaid or Medicare, consider going direct.