Minnesota Health Insurance
Minnesota health insurance isn’t the easiest to understand. You can get it through your employer in some cases, but for many, that’s not a possibility, since not all employers offer health insurance benefits. Unfortunately, your other option is to find a Minnesota health insurance plan through an individual policy.
There are a number of companies in Minnesota that offer policies to individuals, but if you have a preexisting condition or are working with a limited budget, finding individual health insurance policies in the North Star State can be tough. Make sure that you know your rights so that you can find the best policy for you.
Minnesota Individual Health Insurance
Although Minnesota does not require health insurance companies to accept your policy application, it is important to note that the law does protect you in other ways.
If you do have (or get) an individual health insurance plan in Minnesota, you have the following rights:
- If you are limited to only seeing doctors in your health insurance company’s network, a provider must be available within a 30 mile/30 minute drive. If not, you can see a doctor outside of the network. For specialist’s, the limit is 60 miles or 60 minutes.
- Emergency room care and other emergency treatment (risk or potential risk of losing life or limb) must be covered, even if the hospital or care provider is not a part of your network.
- You cannot be billed for a treatment if your insurance company covers it. A provider must send the bill directly to the insurance company, although you might get a record after it has been paid.
- By Minnesota health insurance law, health insurance providers must pay a claim within 30 days of receiving it. If they don’t pay, you cannot be held responsible for that bill.
Keep in mind that, although you are protected, there are a number of laws that work in the insurance companies’ favors as well. For example, plans are not required to give you free access to prescription drugs. If prescription drugs are included, there may be limits or you may only be covered for generic versions. Most of the time, over the counter drugs are not included, even if your doctor prescribes them.
Health Insurance Quotes in Minnesota
CheckInsuranceRates.org is an organization that will help you find health insurance if you have a preexisting condition or are working on a tight budget. We provide access to quote comparisons throughout the entire state by simply filling out our form. You can check the rates for free and then simply select the policy that’s best for you and your family.
We do all the hard work for you so you can get MN health insurance quotes from all available policies and pick the best one. There’s no more guess work involved!
Click the button at the top of the page to get started right away.