The short answer
Choose how you want to understand this
The full explanation.
American Indian and Alaska Native people face some of the highest death rates in the country for certain cancers. They also face some of the longest distances to treatment. This page covers how the health systems available to Native people actually work, including the parts that surprise people. It also covers what helps when treatment means travel.
Three systems, not one
Care for American Indian and Alaska Native people usually comes through one of three routes:
- Facilities run directly by the Indian Health Service.
- Facilities run by tribes and tribal organizations under self-determination agreements.
- Urban Indian health programs.
The urban part is the piece most often missed. IHS reports that around 70% of American Indians and Alaska Natives live in urban areas. It supports 41 urban Indian organizations operating at 59 sites.
These are non-profit organizations. IHS funds and contracts them under Title V of the Indian Health Care Improvement Act. They provide outreach and referral, ambulatory care, and mental health and substance use care. What each one offers varies. Programs set their own scope based on the unmet needs of the community they serve.
Eligibility rules and services differ between these three routes. Have you moved, from a reservation to a city, or between states? Do not assume your access moved with you. Ask.
Purchased/Referred Care, and why referrals get denied
Sometimes the care you need is not available at an IHS or tribal facility. It may then be paid for through Purchased/Referred Care, or PRC. Cancer treatment almost always falls into this category, so it is worth understanding.
IHS is explicit that PRC is not an entitlement program. A referral does not by itself mean the care will be paid for. To be paid, several conditions must all be met:
- You must meet the residency requirements for the PRC delivery area.
- You must meet notification requirements. There are deadlines for telling the PRC program about care you received, and they are short. Ask your local program exactly what they are and write them down.
- The care must meet the program's medical priority level, which depends on available funding.
- You must use alternate resources first. IHS is a payer of last resort. That means Medicare, Medicaid, VA benefits, private insurance or other assistance must be used before IHS will consider paying.
That last point catches people out. Enrolling in Medicaid or Marketplace coverage if you are eligible is not a betrayal of treaty-based care. It is often what lets PRC cover the rest.
If a claim is denied, there is an appeals process. Ask for the denial in writing, and ask how to appeal.
Distance is a medical problem
Radiation therapy can mean daily appointments for weeks. Chemotherapy runs on a fixed cycle. If the cancer center is four hours away, that is not an inconvenience. It is a common reason treatment gets abandoned partway through. Clinicians often do not realize it until it happens.
So say it out loud early. Ask whether any part of the regimen can be given closer to home. Ask whether an equivalent option involves fewer visits. Ask what lodging exists near the hospital. Many cancer centers have deals with nearby lodging, or funds for travel. Almost none advertise them.
Practical steps:
- Ask your IHS, tribal or urban program who handles PRC. Get that person's name and direct number.
- Tell PRC as soon as you receive outside care, including emergency care. Note the date and who you spoke to.
- Check whether you qualify for Medicaid, Medicare or Marketplace coverage, and apply if you do.
- Ask the cancer center social worker about travel funds, lodging and gas cards before treatment starts, not after.
- Ask whether follow-up visits can be done by telehealth from your local clinic.
- Ask whether any clinical trial is open to you, and whether it covers travel.
- Ask whether a patient advocate or community health representative can come with you to appointments.
It is worth knowing what screening your local program offers. It is also worth knowing what palliative care provides alongside treatment. That means symptom control, not giving up.
Care that fits
For many Native patients, healing includes traditional practices, ceremony, and the presence of family and community. Most hospitals will accommodate more than you would expect, if you ask specifically.
Ask whether a traditional healer can visit. Ask whether ceremony can be arranged in some form. Ask whether extra visitors can be present. Some cancer centers have Native patient navigators.
The funding limits described here are real, and they are not your fault. Knowing where the rules bite gives you a better chance of finishing a whole course of treatment rather than most of one. Our support page can help you find someone to talk to.
Sources

Common questions
Which health systems serve American Indian and Alaska Native people?
Three routes: facilities run directly by the Indian Health Service, facilities run by tribes and tribal organizations under self-determination agreements, and urban Indian health programs. IHS reports that around 70% of American Indians and Alaska Natives live in urban areas, and it supports 41 urban Indian organizations operating at 59 sites. Eligibility rules and services differ between the three, so if you have moved, do not assume your access moved with you.
What is Purchased/Referred Care?
It is how care that is not available at an IHS or tribal facility may be paid for. Cancer treatment almost always falls into this category. IHS is explicit that PRC is not an entitlement program, so a referral does not by itself mean the care will be paid for.
Why do PRC claims get denied?
Several conditions must all be met. You must meet the residency requirements for the PRC delivery area. You must meet notification requirements, and those deadlines are short. The care must meet the program's medical priority level, which depends on available funding. And you must use alternate resources first. If a claim is denied, ask for the denial in writing and ask how to appeal.
Does enrolling in Medicaid undercut treaty-based care?
No. IHS is a payer of last resort, which means Medicare, Medicaid, VA benefits, private insurance or other assistance must be used before IHS will consider paying. Enrolling in Medicaid or Marketplace coverage if you are eligible is not a betrayal of treaty-based care. It is often what lets PRC cover the rest.
What can be done about the distance to treatment?
Say it out loud early. Radiation can mean daily appointments for weeks, and a cancer center four hours away is a common reason treatment gets abandoned partway through, which clinicians often do not realize until it happens. Ask whether any part of the regimen can be given closer to home, whether an equivalent option involves fewer visits, and what lodging exists nearby. Many cancer centers have deals with lodging or funds for travel, and almost none advertise them.
Questions to ask your doctor
Being prepared helps you get the most out of your appointments. Save or print these questions.
Tap a question to save it to your list (kept on this device).
Your next step
A practical way to use what you just read.
Speak With Trained Specialists & Human Navigators
Cancer Explained provides educational guidance, but does not replace trained specialists, social workers, or your medical team.
Talk to a trained cancer information specialist
Free, confidential assistance from NCI Cancer Information Service via phone, chat, or email.
Contact your oncology team
Locate after-hours contact numbers, portal messages, or urgent triage phone lines.
Find a patient navigator
Get one-on-one help with appointments, logistics, translation, and care coordination.
Find a genetic counselor
Discuss inherited mutation risk, family history, and genetic testing options.
Find an oncology social worker
Access emotional counseling, family support groups, and mental health resources.
Find a financial navigator
Locate copay assistance foundations, grant programs, and lodging/travel support.
Find a clinical-trial specialist
Search matching studies and speak with NCI trial information specialists.
Get urgent help
Immediate emergency guidance for fever (>100.4°F during chemo), severe pain, or shortness of breath.
Help Us Improve This Guide
Did this explanation answer your question and help you determine your next step?
Know someone who needs this?
Plenty of people are looking for something like this and do not know where to start. If this would help a friend or someone you love, send it on — we have written an opening line so you do not have to stare at an empty message. You can change every word of it.
Your message is written and sent in your own email or messaging app — we never see who you send it to, and nothing is added to any list.
Knowledge Check
0 of 2 answered
This self-assessment checks understanding of educational content only. It is not medical advice.
Where to get help with this, by name
A hospital social worker or financial navigator is the best first call if you have one. If you do not, these organisations help at no cost to you.
- Patient Advocate Foundation — (800) 532-5274. Case managers take on insurance appeals, denials and medical debt with you. Free.
- TotalAssist (Patient Advocate Foundation's copay programme, merged with the PAN Foundation in 2026) — 866-512-3861. Help with medication copays, coinsurance and deductibles, insurance premiums, and office-visit and administration charges on the day of treatment, across nearly 150 conditions.
- CancerCare — 800-813-HOPE (4673). Oncology social workers, free counselling and support groups. Limited financial help with transport, home care, child care and lodging for people in active treatment who meet their income guidelines — funding is first-come, first-served, so call to ask what is open.
- Triage Cancer — 424-258-4628. Free legal and financial navigation: insurance, employment rights, disability.
- Blood Cancer United (formerly the Leukemia & Lymphoma Society) — (800) 955-4572. Information Specialists answer questions on treatment, insurance and financial problems.
- HealthCare.gov — 1-800-318-2596. For questions about the external review process — the independent review your insurer is required by law to accept.
Your state Department of Insurance regulates insurers and takes consumer complaints. On Medicare, your State Health Insurance Assistance Program (SHIP) gives free one-to-one counselling. If a specific drug is the problem, ask the manufacturer about its patient assistance programme.
Phone numbers checked 31 July 2026. Programmes and eligibility change — if a number has moved, please tell us.
Plain-language explanation of the published sources cited on this page. AI-assisted, source-checked, not clinician-reviewed.
Sources last checked: 2026-08-11 what this meansLast updated: 2026-08-11Next planned review: 2027-07-26
How this page was created
Cancer Explained does not originate medical claims. Every page restates guidance already published by the National Cancer Institute, the CDC, the USPSTF and the FDA, in plain language, with the source cited so you can check the original yourself. AI does the translating and organizing; automated checks test claims, citations, clarity and safety before anything publishes. We do not employ clinicians and do not intend to — our work is translation and navigation, not clinical judgment. Nothing here is personal medical advice, and no page can account for your particular situation.
General education. Low-risk educational or organizational content. Medical facts are cited to authoritative sources.
Human medical review: not completed. Pages here are not signed off by a clinician before they publish. That is not an oversight we are quietly working around: we restate published guidance and cite it, so the authority belongs to the source rather than to us, and every page names where its claims come from — you can verify us instead of trusting us. Where a volunteer clinician has reviewed a page, their name and credentials appear on it; where no name appears, no clinician has checked it. We are glad to have reviewers and are recruiting them, and we do not hold pages back waiting for one. Use this site to understand your situation and to ask better questions of the people treating you.
How this page was created
Cancer Explained does not originate medical claims. Every page restates guidance already published by the National Cancer Institute, the CDC, the USPSTF and the FDA, in plain language, with the source cited so you can check the original yourself. AI does the translating and organizing; automated checks test claims, citations, clarity and safety before anything publishes. We do not employ clinicians and do not intend to — our work is translation and navigation, not clinical judgment. Nothing here is personal medical advice, and no page can account for your particular situation.
Human medical review: not completed. Pages here are not signed off by a clinician before they publish. That is not an oversight we are quietly working around: we restate published guidance and cite it, so the authority belongs to the source rather than to us, and every page names where its claims come from — you can verify us instead of trusting us. Where a volunteer clinician has reviewed a page, their name and credentials appear on it; where no name appears, no clinician has checked it. We are glad to have reviewers and are recruiting them, and we do not hold pages back waiting for one. Use this site to understand your situation and to ask better questions of the people treating you.
Read more about our editorial process, our use of AI, and our corrections policy.
Spotted a problem? Report an error — a factual mistake, broken or outdated source, confusing wording, or anything that seems unsafe. Please do not include names, medical record numbers, dates of birth, addresses, or other identifying medical information in your report.
After using this page, do you understand what to do next?
Anonymous — we only record the answer, never who gave it.
Still have questions?
Educational answers, plain language
Free to print and share
