| Looking for a health insurance plan in Minnesota | | | | health.state.mn.us/healthcare.html. |
| that won't cost you an arm and a leg? Here's | | | | Private Health Insurance |
| how to find low cost Minnesota health insurance | | | | There are two types of health insurance plans |
| with a reliable carrier. | | | | that are available in Minnesota. They are: |
| Minnesota State Health Insurance | | | | * Fee-for-service plans (also known as indemnity |
| Minnesota has a number of state-sponsored | | | | plans), which pay for all or most of your doctor |
| insurance programs for low income individuals and | | | | fees, hospital fees, and prescription drug costs |
| families. These include: | | | | after you pay a deductible (usually $500 to |
| * The Minnesota Medical Assistance program, | | | | $2,000). These plans let you choose your doctor |
| which provides health care for low income | | | | and hospital and are the most expensive of the |
| Minnesotans. This program is different than | | | | health care plans. |
| Medicare which is a federally sponsored program | | | | * Managed health care plans, including HMOs, |
| for people over 65 and people with disabilities. | | | | PPOs, and POSs, which pay for your your doctor |
| * The Minnesota General Assistance Medical Care | | | | fees, hospital fees, and prescription drug costs |
| program, which provides health care for low | | | | after you pay a co-payment (usually $5 to $10 |
| income Minnesotans who are not eligible for state | | | | per doctor visit). With these plans you are |
| sponsored or federally sponsored health care | | | | assigned to a network of doctors and hospitals. |
| programs. | | | | PPOs and POSs let you use a non-network doctor |
| * The Minnesota Care Plan, which provides health | | | | or hospital for an additional fee. HMOs are the |
| care for low income, uninsured working | | | | cheapest of all the health care plans, followed by |
| Minnesotans. | | | | PPOs and POSs. |
| For more information about these Minnesota | | | | Low Cost Health Insurance |
| health insurance programs call your county's | | | | To get low cost health insurance you need to |
| human services agency, or go to the Minnesota | | | | shop rates. The easiest way to do that is to go |
| Department of Health Website at: | | | | online to an insurance comparison website. |