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