Minnesota Health Insurance
Minnesota HEALTH INSURANCE PROGRAMS
MinnesotaCareThis program provides health insurance for children, individuals, and families who cannot afford a private health plan.
Sage Screening ProgramLow-income women can get free mammograms and cervical cancer screenings through this program. Women diagnosed with cancer through this program can receive full health insurance benefits through Medicaid.
Common Health Conditions in Minnesota
- Depression
- Arthritis
- Paralysis
- Lupus
- Fibromyalgia HIV / Aids.
Minnesota Health Insurance Regulations
In Minnesota, there are limitations on pre-existing conditions and their exclusion periods. Medical conditions are considered to be "pre-existing" if you were treated for or diagnosed with them in the six month period immediately before the beginning of your health insurance plan. Pre-existing conditions, by Minnesota health insurance laws, can only be excluded for a maximum of 12 months. Additionally, when switching plans, your old Minnesota health insurance can be used to credit any pre-existing exclusion period required by your new plan if you have had no breaks in your health insurance coverage. Finally, all Minnesota health insurance policies must contain a guaranteed renewability provision. This provision ensures that at the end of your Minnesota health insurance policy's term, you always have the option of renewing it for another term. At no time can your policy be canceled because you have fallen ill or have had an accident. Minnesota health insurance laws allow health insurance companies to operate within their own discretion when it comes to price and availability. This means that when deciding the price of your Minnesota health insurance and whether to even offer you a policy, your health insurance company can base their decision on your health status. Also, in Minnesota, health insurance companies have no limits to how much they can charge for a health insurance policy. The price can jump because of health and age. However, HMOs established for at least two years are required to have an open enrollment period of two weeks each year. During this time anyone, regardless of age, health status, or any other factor, can purchase a Minnesota health insurance policy from these HMOs. If you have recently left a fully insured group policy and you have used up your COBRA continuation coverage, you are eligible to obtain conversion health insurance in Minnesota. These policies are your best option in terms of temporary health insurance. Minnesota conversion policies must cover certain benefits, which are decided by the state. Also, the price of these conversion policies are controlled by the state.
Minnesota
P.O. Box 64975, St. Paul, MN 55164-0975, 651-201-5000
Website: http://www.health.state.mn.us/
Phone: 888-345-0823 (8am - 5pm)
Fax:
