Northern Mariana Islands

Written By Jerdon Johnston

Citizen Guide for Healthcare in the Northern Mariana Islands

Navigating healthcare in the Northern Mariana Islands can be challenging, but there are several programs to ensure you and your family have access to essential medical services. Whether you are uninsured, underinsured, or looking for financial assistance, this guide provides an overview of available options.

Who Needs This Guide?

  • You are uninsured or struggling to afford health insurance.

  • You want to explore your healthcare coverage options in the Northern Mariana Islands.

  • You need financial assistance for medical expenses.

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

Key Healthcare Programs in the Northern Mariana Islands

1. Medicaid & CHIP

  • Who Qualifies? Low-income individuals, families, pregnant women, children, and people with disabilities.

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

  • How to Apply? Visit the Northern Mariana Islands Medicaid office or apply through the federal Medicaid website.

2. Affordable Care Act (ACA) Plans

  • Who Qualifies? Residents who do not have employer-provided insurance, Medicare, or Medicaid.

  • What It Covers? Preventive care, hospital stays, emergency services, mental health services, and more.

  • How to Apply? Visit HealthCare.gov.

3. Medicare

  • Who Qualifies? Individuals 65 and older or those with qualifying disabilities.

  • What It Covers?

    • Part A – Hospital stays and inpatient care.

    • Part B – Doctor visits and outpatient services.

    • Part D – Prescription drug coverage.

  • How to Apply? Visit Medicare.gov.

4. Employer-Sponsored Health Insurance

If your employer offers a health plan, it is often the most affordable and comprehensive option. Employers may cover part of the monthly premium. If you recently lost employer-sponsored insurance, you may qualify for COBRA.

5. Short-Term & Supplemental Health Plans

These plans provide temporary or gap coverage. Options include:

  • Short-term health plans for temporary needs.

  • Accident or critical illness insurance for unexpected medical expenses.

Financial Assistance Programs

  • Premium Tax Credits – Helps lower monthly ACA insurance costs.

  • Cost-Sharing Reductions – Lowers out-of-pocket expenses for eligible individuals.

  • Local Assistance Programs – Some local organizations may offer additional healthcare support.

Where to Get Help

  • Northern Mariana Islands Medicaid Office – Assistance with Medicaid and CHIP applications.

  • Health Insurance Marketplace – Compare and enroll in ACA plans at HealthCare.gov.

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

  • Tsunami Advisors – Get expert, personalized guidance on finding the best plan for your needs.

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

 
Jerdon Johnston