Empowering Tribal Nations to Reclaim Their Healthcare Sovereignty
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The Self-Funded Group Health Plan Designed Specifically for Tribes and Tribal Enterprises
At Tribal Nations Health, we are committed to restoring and protecting Tribal sovereignty by empowering Tribes and Tribal Entities to manage and lead their own healthcare systems.
Our work is grounded in three core pillars:
Quality Care
We prioritize accessible, culturally informed, and high-quality care that meets the unique needs of Native communities. Our approach centers patient well-being, with services designed to promote long-term health and community resilience.
Cost Containment
Through innovative plan design, proactive care management, and data-driven insights, we help Tribes contain costs without sacrificing quality. Our strategies focus on eliminating inefficiencies, reducing waste, and optimizing provider networks.
Healthcare Sovereignty
We equip Tribal governments and organizations with the tools, support, and autonomy needed to self-govern their healthcare programs. From plan administration to benefit design, we build capacity for Tribes to lead with confidence.
Tribal Nations Health is a trusted partner in advancing self- determination, ensuring sustainable healthcare systems, and delivering better outcomes—by and for
Native communities.
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As a Native-Owned Company…
Our mission is to help Tribes reclaim Healthcare Sovereignty
“Growing up on the Reservation, I witnessed our people struggling without access to essential healthcare. At Tribal Nations Health, we’re restoring sovereignty, trust, and affordability to group health plans—so our communities can thrive with the care they deserve.”
Mo Brings Plenty
Co-Founder & President Tribal Nations Health
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Mo Brings Plenty Photo Credit: Tim O’Keefe
TrustFirst™
Guarding the Circle of Sovereignty
TrustFirst™ is our cloud based financial architecture: a clean, transparent structure that protects Tribal sovereignty and ensures every dollar serves your people.
Plan Manager
Tribal Nations Health designs and administers your health plan acting as the plan manager, fiduciary and guardian of the plan, maintaining fidelity to Tribal priorities, and keeping operations compliant and sound.
Trustee
(Independent Authorization): A Trustee, selected with your Tribe, authorizes all disbursements. No payment moves without Tribal approval.
Trust Bank
The plan sponsor, or Tribe, makes all benefits related payments, claims funding and otherwise, fees, etc., directly into a trust bank account. The trustee pays all vendors and expenses as agreed upon by the Tribe.
Market Advisor/Fiduciary
Our sister company, Arrow Benefits Brokerage, shops the market, vets vendors, negotiates contracts, and safeguards 100% of plan dollars.
No Hidden Revenue, Ever.
No commissions, overrides, bonuses, or “performance fees.”
PBM integrity: no spread pricing; manufacturer rebates flow back 100% to the Tribe.
All vendor fees are disclosed, agreed to, and paid through the trust.
Legal Roadmap
The Trust Documents, Administrative Services Agreement (ASA), Plan Documents and SPD define duties, approvals, and flows—no gray areas.
How it Works
Monies flow in to pay approved plan expenses; monies flow out to vendors. We do not hold Tribal money. The Trustee and Tribe decide; TNH and ABB execute with precision.
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TrustFirst™ Cloud Systems
Bank-Vault Security, Real-Time Truth
Arrow Cloud is your single, elegant dashboard for benefits, dollars, and documents—built for transparency, audit-readiness, and peace of mind.
Real-time ledger:
Every dollar in/out of the trust (claims, admin, pharmacy, wellness).
Bank-grade encryption
and role-based access.
Agreement library:
ASA, trust docs, plan docs, vendor contracts—current and versioned.
Audit-ready records:
defensible, timestamped, immutable logs.
Rebate & pricing integrity:
Line-of-sight to pass-through pharmacy pricing and returned rebates.
No blind spots:
Dollars, data, and decisions are visible to the Tribe, Trustee, and authorized admins.
Population insights:
High-cost claimants flags (de-identified options), trendlines, and interventions.
Proof over promises:
Transparency that proves what looks “too good” is actually well-governed.
Sovereignty you can see, on demand, on one screen, with every agreement honored and every dollar accounted for.
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Empowering Tribal Sovereignty
Through Smarter Healthcare
We tailor every roll-out to meet the unique needs of each Tribe we serve. Here are just a few of the advantages we provide:
Cost Savings
Eliminates carrier profit margins, reduces administrative costs, and customizes plan designs to avoid overpaying – typically >20% savings.
Greater Transparency
Full access to claims data enables informed decision-making and better cost management.
Flexibility in Plan Design
Allows customization of benefits and networks to fit workforce needs.
Risk Management Options
Stop-loss insurance helps limit risk exposure, stabilizing costs.
Avoidance of State Insurance Mandates
Regulated under federal law bypassing state regulations and reducing compliance costs..
Incentivizing Health and Wellness
Promotes preventive care and wellness programs to reduce claims and improve workforce health.
Cash Flow Benefits
Claims paid as they occur improve cash flow, and reserve funds stay under employer control.
Leveraging Best Practices
We provide strategic guidance, including selecting TPAs and stop-loss insurance, and ongoing plan management.
Improved Employee Satisfaction
Personalized benefits increase employee satisfaction and retention.
Long-Term Cost Control
Avoids premium inflation and incentivizes adopting cost-saving innovations like telemedicine.
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An Integrated Approach
Four pillars support the foundation of our Walking in Two Worlds Health & Wellness Plan
These are not abstract concepts—they are living practices.
“All things are connected in the Sacred Hoop —Body, Mind, Spirit, and Emotion move together, so that we may walk in balance and remember who we are.”
— Lakota teaching
Mitákuye Oyás’in (Mee-TAH-koo-yeh oh-YAH-seen)
“All my relations.”
We Walk in Two Worlds
At Tribal Nations Health, we believe that wellness is not just the absence of illness—it is a way of life. It is rooted in tradition, carried through story, and sustained by ceremony.
Our Two-Part Wellness Program reflects this belief. It honors the truth that real healing happens where Western science meets Indigenous wisdom. For every Tribal Nation we serve, we build this philosophy directly into the structure of their health benefits—ensuring care that supports physical, emotional, spiritual, and cultural wellbeing. This is not an optional feature. This is not a wellness add-on. This is the foundation of every self-funded health plan we design and administer.
“The Creator Calls Us to a Life of Health and Vitality”
This is our answer to a grossly inadequate healthcare system. This path empowers our Native people to reclaim health sovereignty by blending the best of both worlds.
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Educational Foundation
Education is our first medicine, and it supports our Wellness practices. When implementing your Walking in Two Worlds Health & Wellness Plan, ongoing education and awareness will be at the forefront of everything we do. This Includes:
• Tribal-specific wellness guides
• Traditional food and movement resources
• Clinical FAQs and native-centered care plans
• Videos, workbooks, and care pathways
• RETURN Curriculum – Spiritual, physical, and
emotional lessons delivered through workbook
and digital formats.
• Health Literacy Workshops – Navigating
health coverage, understanding diagnoses, and
reclaiming food sovereignty.
• Youth Engagement – Teaching cultural
wellness in ways that honor ancestral values
and modern life.
Every tool honors the ways of our people. We do not overwrite your knowledge—we support it. Access available from our client portal through our website or app.
Implementation Framework
Each Tribe or Tribal Entity Receives a Customized Rollout
Ongoing Data & Dialogue
Transparent feedback and continued care
Educational Resource Activation
Bringing education and ceremony to life
Healer Networks
Support for Tribal healers and traditional knowledge
Plan Design
Custom-built benefits aligned with cultural priorities
Listening Circles
Learning from your people first
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A Living Partnership
This is not a plan we hand over, It’s a path we walk together. With every Tribe and Tribal Enterprise we serve, we commit to:
Listening deeply. Adapting respectfully. Educating continuously. Supporting holistically.
You are not a client. You are a sovereign partner. You are Family. Our systems work because they are built with you.
Healthcare Sovereignty
Ancestral Wellness
Living Traditions
Addressing Real Challenges
Our approach directly supports Tribal Members & Employees facing:
Diabetes and chronic illness
Intergenerational trauma and PTSD
Depression, suicide, and grief
Addiction and systemic gaps in recovery
Food insecurity
Mistrust in clinical systems
Domestic and physical violence
Mobility issues
Healing from trauma
Every offering is crafted to meet these realities with care, ceremony, and courage
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This is About More than Health Insurance
This is about sovereignty in healing—the right of each Tribe to define wellness on its own terms. At Tribal Nations Health, we integrate both western medical science and traditional healing to create health plans that reflect the full story of who you are—body, spirit, history, and future. Walking in Two Worlds is our sacred offering to every Tribal Nation we serve. We bring it forward with respect, strength, and humility. We welcome the opportunity to walk beside you—To walk forward, together.
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