Minnesota Health Insurance
While Minnesota is one of the healthiest states in the U.S., a recent survey conducted by the Minnesota Department of Health estimated that roughly 343,000 Minnesotans are without Minnesota health insurance.
With those numbers purported to rise, it is important—now more than ever—to find affordable Minnesota health insurance.
What You Need to Know About Minnesota Health Insurance
What are my rights concerning Minnesota health insurance?
Minnesota has taken a number of provisions to make sure that its residents are protected from any injustices related to Minnesota health insurance.
- The guaranteed issue protects you if you are an employer purchasing small group insurance. It ensures that you will not be turned down on account of the age or health status of your group.
- Nondiscrimination protects you under a group plan by prohibiting denied or limited coverage because of your health status.
- Most Minnesota health insurance is guaranteed renewable. This means that your policy cannot be cancelled if you fall ill.
Do insurers have to sell me individual Minnesota health insurance?
No. Depending on your health status, you may be denied or given limitations on what your Minnesota health insurance might cover.
What does Minnesota health insurance usually cover?
Your benefits will depend on what kind of Minnesota health insurance you buy as well as what your company agrees to cover.
Minnesota does require all health plans to cover certain benefits such as mammograms and prostate exams. Be sure to ask your agent about other mandated benefits, and as always, review your policy for a clear outline of your benefits.
Can my Minnesota health insurance be cancelled?
Remember that guaranteed renewability prohibits the cancellation of your Minnesota health insurance because you get sick. Your policy may only be cancelled if you do not pay the premiums, engage in fraudulent behavior or move outside of a specified coverage area.
What if I can't afford Minnesota health insurance?
If you are financially unable to purchase Minnesota health insurance, there are still options available for you:
- If you earn a low or modest income, you may be eligible for Minnesota Medicaid which provides free or subsidized health care for pregnant women, families, the disabled and the elderly.
- If you are unable to afford Minnesota health insurance and meet other requirements, you may be eligible for discounted coverage through MinnesotaCare. MinnesotaCare is also available for families and children.
- If you feel you are at risk for cancer, you may receive screening and treatment through the Sage Screening Program. The Sage Screening Program does offer free breast and cervical cancer screening for women who qualify.
What if I still have questions?
For more information on Minnesota health insurance, contact the Minnesota Department of Commerce's Consumer Concerns Division at (800) 657-3502 or (651) 296-2488.
For additional information on state-assisted programs contact the following:
Minnesota Medicaid: (800) 657-3672
MinnesotaCare: (800) 657-3672
Sage Screening Program: (888) 643-2584
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