Looking for a health insurance plan in Minnesota that won’t cost you an arm and a leg? Here’s how to find low-cost Minnesota health insurance with a reliable carrier.
Minnesota Health Insurance
Minnesota offers many state-funded insurance programs for low-income individuals and families. These include:
* Minnesota Medical Assistance Program, which provides health care to low-income Minnesotans. This plan is different from Medicare, which is a federally funded plan for people over 65 and people with disabilities.
*Minnesota General Assistance Health Care Program, which provides health care to low-income Minnesotans who are not eligible for state-funded or federally-funded health care programs.
* Minnesota Nursing Program, which provides health care to low-income, uninsured Minnesota workers.
For more information on these Minnesota health insurance plans, call your county’s public service agency or visit the Minnesota Department of Health website: health.state.mn.us/healthcare.html.
private health insurance
Minnesota offers two types of health insurance plans. they are:
* A fee-for-service plan (also called a reimbursement plan) that pays all or most of your doctor’s bills, hospital bills, and prescription drug costs after you pay your deductible (usually $500 to $2,000). These plans let you choose your doctor and hospital and are the most expensive health care plans.
* Managed health care plans, including HMOs, PPOs, and POS, pay for your doctor, hospital, and prescription drug costs after you pay a copay (usually $5 to $10 per visit). Through these programs, you will be assigned to a network of doctors and hospitals. PPO and POS allow you to use an off-network doctor or hospital for an additional fee. HMOs are the cheapest of all healthcare plans, followed by PPOs and POS.
low cost health insurance
To get low-cost health insurance, you need a purchase price. The easiest way to do this is to go online to an insurance comparison site.