Minnesota Health InsuranceIndividuals and Families
Minnesota Health Insurance
How to find an affordable plan.
Technology has made finding health insurance coverage easier in the state of Minnesota. Whether you are looking for individual or group health insurance, the Internet has become a valuable resource to compare and contrast the many providers that exist in Minnesota. The many resources available online have helped alleviate the feeling of frustration associated with choosing a health care plan. Selecting a health insurance plan is one of the most significant decisions that you will ever make so it is important that you take the time to research all of the plans and policies to make sure you choose a plan that is not only affordable but protects you and your family. Health Insurance Online offers a helpful guide to understanding health insurance in Minnesota.
Leading Minnesota Health Insurance Companies
Choosing Health Insurance in Minnesota
There are many types of health insurance offered in the state of Minnesota. Each plan has its own advantages and disadvantages. There is no single plan that is best suited for everyone. A plan that may be a perfect fit for a single person may not provide the best coverage for a family with young children. Like any large purchase, careful research should be done before making a decision. Cost and coverage are the most important features to consider when selecting a health plan. Although cost and affordability are important, coverage is a paramount concern when looking at various plans. Injury or illness can strike at any time so it is important that individuals and their family are fully covered in case any emergencies should arise.
Types of Minnesota Health Insurance Plans
The three most popular types of health insurance plans in Minnesota are Health Maintenance Organizations (HMO), Preferred Provider Organizations (PPO), and Point of Service (POS) plans. Before choosing a health insurance provider, it is important to understand the differences between the three types of plans. By being conscious of the differences of each plan you will see which type best fits your family's needs. In Minnesota health maintenance organizations (HMOs) are licensed managed care organizations. Managed care organizations are designed to provide quality health care while controlling the cost of that care.
HMO Plans provide a very low cost alternative to health insurance. Under an HMO, policy physicians and hospitals sign up to take part in the plan and you must select a primary physician from the listings as well as a principle facility to receive emergency or long term hospitalization. PPO works much the same as an HMO except that you can select any physician on the list of providers and seek care at any hospital no matter where you are at the time as long as they are a part of the system. Not being locked into a certain doctor or hospital makes PPOs very popular as a choice of low cost health insurance. POS is a traditional type of insurance plan that allows you to choose any doctor or facility without referring to any list. POS policies pay a percentage after deductible of the total bill and the patient is required to pay the remaining amount for any services. While it offers the largest amount of freedom and often the widest possible coverage for various illnesses or health care it is also the most expensive in premiums as well as having to pay out of pocket expenses for the portion of your medical bills not covered by the policy.
Health Insurance for Specific Situations
In addition to the several types of insurance available in Minnesota, there are a variety of programs available to individuals that may need additional coverage outside of a normal individual or group health plan. For individuals that have lost or are in between jobs, there is short term insurance available to continue with your employer's health plan for a limited amount of time. The Consolidated Omnibus Budget Reconciliation Act (COBRA) allows employees to continue their health coverage for themselves and their dependents after they leave their jobs. The law allows individuals to continue coverage at their own expense for up to 18 months while you search for new employment or look for a new plan. For those who have been turned down by Minnesota health carriers due to pre-existing conditions, the state has implemented the Minnesota Comprehensive Health Association (MCHA). MCHA is often referred to as Minnesota's "high risk pool" and provides health coverage to those who would not receive coverage otherwise. Some situations in which individuals choose MCHA are when COBRA or continuation benefits are exhausted, individuals who work for employers that do not offer health insurance coverage, and for individuals that are age 65 or older and are not eligible for Medicare.
Resources and Information
Minnesota Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Minnesota Doctor Directory
Doctors practicing medicine in the State of Minnesota are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.