Health Insurance in the Twin Cities
Minneapolis-St. Paul, Minnesota residents have access to individual health plans from three main health insurers, including HealthPartners, Medica of Minnesota, and PreferredOne. These companies offer a variety of PPO plans with a range of coverage levels and benefit options. For an example of pricing and cost-effectiveness in the local health insurance market, a sample quote was created for a 33-year-old male resident of the city. A healthy resident, this individual does not smoke, exercises regularly, and eats a nutrient-rich diet. As you decide on a plan, you will find these factors are an important part of applying for health insurance.
Narrowing down the best plan options in terms of good benefits and affordability requires a look at covered services, premiums, deductibles, copays, and coinsurance. With these in mind, we would recommend a $2000 – $2500 deductible, a plan with (preferably) unlimited office visits, and the least coinsurance possible. Several plans fit this criteria, including the best deal from Medica at $145 per month for their Symphony plan. This plan covers 100 percent after deductible, has $30 copays for unlimited doctor’s office visits, and covers maternity and prescriptions.
The other plans in this range include a $98 per month plan from PreferredOne, with the first 3 office visits covered, and 20 percent coinsurance. HealthPartners offers this applicant a PPO plan for $144 per month, with $20 copay for the first 4 primary care visits, and unlimited telemedicine visits.
Premiums are subject to change depending on your age, gender, health status, and other factors. As this was a specific example, your quote results may be different from our applicant. Enter your zip code below to view all available plans and compare rates. You can also call one of our agents if you need assistance at 888 803 5917.
Living Well and Paying Less
In order to save money on health insurance, you must start with your health. Insurers charge a lower, rather, a “normal” rate for health coverage to people who are healthy and have no risks. If you prove yourself to be a healthy applicant, you will not be rated up for any reason.
Certain health plans in the Twin Cities such as HealthPartners, offer incentive programs to their individual plan members for staying healthy. HealthPartners’ rewards program offers discounts at a large number of local fitness centers, as well as on classes, exercise and sports equipment, maternity and baby needs, healthy foods, and other local health-related businesses.
On top of rewards programs, your medical bills decreasing with your healthy lifestyle will be plenty rewarding. When your insurance company reassesses your policy, you may experience a decrease in rates as you become more healthy. There is much to gain from making positive lifestyle changes, with a longer, healthier life, and reduced risk of illness. Below, we exhibit few ideas for staying active and eating well in the Minneapolis-St. Paul region.
Despite the weather, to which residents have surely become accustomed, St. Paul offers many opportunities (indoor and outdoor) for physical activity. Whether you prefer a walking or biking commute around town, or choose another way to exercise, you can make the Minneapolis-St. Paul region your workout machine without the boredom of a treadmill.
Though the terrain is devoid of mountains, you can still find places to go on great hikes in Minnesota. With scenic options ranging from paved pathways through the woods, riverside marshlands, and city views, you can enjoy nature and the Twin Cities on a hike. Most are fairly short trails at 2 miles, but a few are 6 to 7 miles long. For a full list of hiking trails in and around St. Paul, click here.
- Fort Snelling State Park: 101 Snelling Lake Rd., Saint Paul, MN 55145
- Mississippi Gorge Regional Park: St. Paul and Minneapolis, MN
- Lake Elmo Park Reserve: 1515 Keats Avenue North Lake Elmo, MN 55042
Minnesota has an abundance of mountain bike trails for all levels of rider. Ski areas comprise several of the mountain biking trail locations, all of which have their advantages. Whether you are a beginner looking for a wide trail for practice or a singletrack rider ready for twists and turns, the St. Paul area can offer something for almost everyone. To see all MTB trails in the St. Paul region and find out more, click here.
- Bloomington Ferry Trail: Bloomington, MN
- Afton Alps Ski Area: 6600 Peller Ave. S., Hastings, MN 55033
- Battle Creek Regional Park: Upper Afton Road, Maplewood, MN 55119
- Lake Rebecca Park Reserve: 9831 Rebecca Park Trail Rockford, MN 55373
With river cliffs, bluffs, and other vertical rocks throughout Minnesota, the Minneapolis-Saint Paul region offers great rock climbing. The cliffs surrounding the St. Croix River in Interstate Park provide traditional climbing, with anchors at the top for setting anchors. Visit rockclimbing.com for a full list of rock climbing opportunities near the Twin Cities.
Canoeing and Kayaking
Many rivers run through Minnesota, making it an ideal spot for paddling of any sort. Whether you prefer to try the flatwater of Minehaha Creek or have fun with rapids of varying levels, the region’s waters can provide a strengthening and enjoyable experience. View all rivers and creeks for flatwater or whitewater paddling.
- Rice Creek: Twin Cities, MN
- St. Croix River – Stillwater to Prescott: Stillwater, MN
- Minehaha Creek: Minneapolis, MN
Though most of the nation gave away their inline skates long ago, the rollerblade’s place of invention (Minnesota) still uses them. Created by two Minnesota brothers in their parents basement in the 1990s, homage is paid by offering an indoor rollerblading park in downtown Minneapolis’ Metrodome in the winter. During the summer, various parks are ideal for skating. Keep the ’90s alive with Minnesota pride and dig out your old skates.
- Metrodome: 900 South 5th Street Minneapolis, MN 55415
- Lake Como, Como Park: 1225 Estabrook Drive Saint Paul, MN 55103
- Minehaha Park: 4801 S Minehaha Park Dr, Minneapolis, MN 55417
Skiing and Snowboarding
Long, cold winters provide an excellent opportunity to play in the snow. Minnesota offers downhill, cross country, and alpine skiing, in addition to snowboard fun parks. Some trails even offer night skiing, and others are located conveniently close to the the Twin Cities. Visit SkiCentral for a full list of ski resorts, trails, and parks throughout the state.
- Hyland Ski and Snowboard Area: 8800 Chalet Rd, Bloomington, MN, 55438
- Buck Hill Ski Resort: 15400 Buck Hill Rd, Burnsville, MN 55306
- Welch Village: 26685 County Rd 7 Blvd, Welch, MN 55089
Eating well has nothing to do with adopting a strict diet devoid of flavor and enjoyment, or giving up things you like. There is a nutritious alternative to nearly every type of food, for example, making Greek frozen yogurt your new ice cream. Maybe you also need to introduce yourself to whole grains, organics, and produce for the first time.
Of course, the Twin Cities offer the lovely franchise go-tos for locally grown and organic goods, Trader Joe’s and Whole Foods. However, there are more than just these two retail grocery giants to fill your fridge with nutritious goodness in your city. There are also plenty of organic restaurants in the Twin Cities and surrounding areas for a meal out. Here are some healthy food shopping and dining ideas for residents of the Minneapolis-St. Paul metro area.
- Brasa Rotisserie: Organic, local Creole comfort food – 777 Grand Avenue, St. Paul, MN 55105
- Midtown Global Market: Local, fresh full-service upscale farmers market – 920 E. Lake St, Minneapolis, MN 55407
- Grassroots Gourmet: Locally grown, organic, gluten free, grab and go – 920 E. Lake St, Minneapolis, MN 55407
- CRAVE Minneapolis: Organic, Contemporary American, and seafood lunch and dinner – 825 Hennepin Ave, Minneapolis, MN 55402
- Mississippi Market: natural foods co-op – multiple locations, St. Paul, MN
- Fresh & Natural Foods: Local, independent, natural, and organic full-service grocery – 1075 W. Highway 96, Shoreview , MN, 55126
- Trotter’s Cafe: Local farm-to-table, all-natural American breakfast, lunch, and dinner – 232 Cleveland N. Ave, St. Paul, MN 55104
2. Minnesota Monthly