In Minnesota there are three main Minnesota health insurance companies and no major national health insurance companies like Humana or United Health Care. However Blue Cross Blue Shield of Minnesota is the major state health insurance company and they are described below.
The State of Minnesota also offers a a comprehensive risk pool called the MCHA (Minnesota Comprehensive Health Association). Because individuals health insurance companies can decline individuals for Minnesota health insurance MCHA can be obtained by these high risk individuals as well as HIPAA individuals.
The other good news is that there can be no permanent riders placed on individual health policies in Minnesota.
For more information you can call MCHA at 800 531 6674. The Blue Cross Blue Shield Medicaid plan (SCHIP) can be reached at 800 657 3659.
Upon first glance after running a Minnesota health insurance quote for myself in the Saint Paul, Minnesota area, the first thing I notice is that none of three reputable Minnesota companies offer a comprehensive office visit copayment and only cover office visits after the deductible. So most of these plans are considered consumer driven health plans and can be used in conjunction with a Health Savings Account. By the way the best plan or the company in the Saint Paul, Minnesota health insurance market that offered the most health insurance for the least money was Medica though it was not a clear cut victory. Run your own Quote for your own demographic now.
Also you will see that all 3 companies are very close in premium, and if that is the case the best plan is usually Blue Cross Blue Shield as their plans can be used nationally. So without further adieu…
Minnesota Health Insurance Companies
Blue Cross and Blue Shield of Minnesota
Blue Cross and Blue Shield of Minnesota is the state’s largest health plan. Chartered in 1933 to promote wider, more economical and timely availability of health services, Blue Cross continues that commitment today. Nearly 3 million members trust the security and quality the Blue Cross and Blue Shield brand offers – through health plans covering individuals and seniors, to small and large businesses in every corner of Minnesota, to national companies with employees throughout the country.
Blue Cross is focused on improving people’s health. A “whole person” approach to health engagement and support informs, educates, encourages and inspires better health for members and all Minnesotans. Because Blue Cross offers the largest, most comprehensive provider network in Minnesota and is recognized for its innovative approach to health care and benefit design, Blue Cross is uniquely qualified to meet the challenges to today’s health care environment. A not-for-profit, taxable organization, Blue Cross and Blue Shield of Minnesota is headquartered in the St. Paul suburb of Eagan, Minnesota and is an independent licensee of the Blue Cross and Blue Shield Association.
Blue Cross Blue Shield of Minnesota Personal Blue Health Insurance Brochure
Medica
Medica, an independent and nonprofit company, is one of the largest health insurers in the Upper Midwest. Based in suburban Minneapolis-St. Paul, Medica has 1.4 million members in Minnesota, Wisconsin, North Dakota, South Dakota and other states.
Medica offers many health insurance choices to individuals of all ages and life stages, including recent graduates, people between jobs, and the self-employed. And it provides a broad range of health coverage options and related services to local, regional and national employers and to Medicare and Medicaid beneficiaries.
Medica has the highest accreditation status, Excellent, from the National Committee for Quality Assurance (NCQA®) for its Minnesota Medicaid HMO plans and commercial fully-insured health plans in Minnesota, Wisconsin, North Dakota and South Dakota. Medica also has achieved Quality Plus Distinction for Physician and Hospital Quality from the NCQA.
Medica Health Insurance Brochure of Minnesota
HealthPartners
Founded in 1957, the HealthPartners (www.healthpartners.com) family of health care companies serves more than one million medical and dental health plan members nationwide. It is the largest consumer-governed, nonprofit health care organization in the nation, providing care, coverage, research and education to improve the health of members, patients and the community.
