Most Minnesotans are offered health care coverage by their employer. If you do not receive health care insurance coverage through your employer, the following are among your options in Minnesota.
Five members of the Minnesota Council of Health Plans sell health care coverage products to individuals. These products include 30 to 90 day options when you’re between jobs, coverage with health savings accounts (HSAs), and other plans with varying deductibles. See our members’ websites to find out more: Blue Cross and Blue Shield of Minnesota, HealthPartners, PreferredOne, Medica and UCare.
In addition, MNsure, and its Navigators and health insurance brokers , can show you a variety of options to meet your needs. MNsure’s website will also be able to tell you if you qualify for help paying your monthly health insurance premiums.
Register on MNsure to determine if you could be eligible for MinnesotaCare or Medical Assistance below. Or, use Bridge To Benefits, a confidential screening tool that can also help determine which health care and other support programs are available to you.
MinnesotaCare is a health care program for Minnesota’s working poor who do not have access to health insurance through their employers. Applicants must meet income and program guidelines to qualify. Go to MinnesotaCare’s website to find out more. You may apply for MinnesotaCare through MNsure.
Medical Assistance (MA) (Medicaid) and Prepaid Medical Assistance Program (PMAP)
MA is a joint federal/state-funded program that provides necessary medical services for low-income families, children, pregnant women and Minnesotans who are elderly (65 or older) or have disabilities. Under PMAP, the state contracts with HMOs or in some areas, a county, to deliver health care to eligible MA enrollees. For more information, go to the Medical Assistance website. You may apply for MA through MNsure.
Several members of the Minnesota Council of Health Plans offer Medicare supplements and coverage that combines Medicare Part A, Part B and Part D. See the plans’ websites to find out more: Blue Cross and Blue Shield of Minnesota, HealthPartners, Medica and UCare.
If you are receiving Social Security or Railroad Retirement or disability benefits, you will be automatically enrolled in Medicare Part A and Part B when you turn 65. For more information on federal Medicare benefits, including Medicare Part D, visit Medicare or call 1-800-MEDICARE (1-800-633-4227).