Guam

Written By Jerdon Johnston

Citizen Guide for Guam

Understanding Your Healthcare Options in Guam

Navigating healthcare in Guam can be complex, but there are several programs available to help residents access quality medical services. Whether you’re uninsured, underinsured, or need assistance with medical costs, this guide provides key information on available options.

Who Needs This Guide?

  • You are uninsured or struggling to afford health insurance.

  • You want to explore healthcare coverage options in Guam.

  • You need financial assistance for medical expenses.

  • You want to maximize the benefits of your current healthcare plan.

Key Healthcare Programs in Guam

1. Medicaid & MIP (Medically Indigent Program)

  • Who Qualifies? Low-income individuals, families, pregnant women, children, and those who meet specific eligibility requirements.

  • What It Covers? Doctor visits, hospital care, prescription drugs, preventive services, and more.

  • How to Apply? Visit Guam’s Department of Public Health and Social Services website or apply in person.

2. Affordable Care Act (ACA) Plans

  • Who Qualifies? Individuals who don’t get insurance through an employer, Medicare, or Medicaid.

  • What It Covers? Comprehensive coverage, including preventive care, emergency services, and mental health care.

  • How to Apply? Guam does not have a state-based marketplace. Residents should check federal options through healthcare.gov.

3. Medicare

  • Who Qualifies? Individuals aged 65+ or those with qualifying disabilities.

  • What It Covers?

    • Part A – Hospital stays.

    • Part B – Doctor visits and outpatient services.

    • Part D – Optional prescription drug coverage.

  • How to Apply? Visit Medicare.gov.

4. Employer-Sponsored Health Insurance

  • Many employers in Guam offer group health insurance plans, which often provide better rates and broader coverage than individual plans.

  • COBRA may be available for those who recently lost job-based insurance.

5. Short-Term & Supplemental Health Plans

  • These plans provide temporary coverage or fill gaps in traditional insurance, including:

    • Short-term health plans for temporary needs.

    • Accident or critical illness insurance to help cover unexpected medical expenses.

Financial Assistance Programs

  • Premium Tax Credits – Reduce the cost of ACA marketplace plans for eligible residents.

  • Cost-Sharing Reductions – Lower out-of-pocket costs for qualifying individuals.

  • Guam-Specific Assistance Programs – Some local organizations offer additional subsidies or services.

Where to Get Help

  • Guam’s Health Insurance Marketplace – Compare and enroll in ACA plans (if applicable).

  • Medicaid Office – Apply for Medicaid or the Medically Indigent Program (MIP).

  • Local Community Health Centers – Get low-cost or free healthcare services.

  • Tsunami Advisors – Personalized guidance to help you find the best plan for your needs.

➡ Need Help? Schedule a free consultation with a Tsunami Advisor today!

 
Jerdon Johnston