Minnesota is no different from any other state in the U.S. when it comes to health care. Insurance providers can deny you individual coverage if you have a pre existing condition or a past medical history. There are many ways to go about finding the healthcare you need. We're here to help you find the coverage that you seek, all at an affordable rate.
Minnesota has a wide variety of providers, each with different policies for individual and group coverage, as well as some state sponsored programs. Most Minnesota residents receive benefits through their employers, in what are referred to as, "group coverage plans." These typically offer the same coverage as individual coverage, and are often offered by the same providers.
The main difference between group and individual coverage is that you typically won't get turned away for having a pre existing condition with group coverage. Benefits are usually discounted to an extent, but some will find coverage options inflexible at times in specific situations. On the other hand, if your employer doesn't offer coverage, then you can apply for individual coverage. As stated before: In Minnesota, you can be rejected for having pre-existing conditions. If you are rejected based on your health status, then you might qualify for HIPPA. To be considered "HIPPA-eligible" you must:
There are many providers who offer the same types of coverage to individuals, rather than just the group plans. Most think that because it's private health care that private coverage would be far too expensive. However, the fact is: Health care providers are adapting to the current economic situation by creating affordable basic plans. Many offer HMO plans and PPO coverage plans with the ability to customize the coverage you need so you're not paying for options you never use. Find an affordable health care plan that works for you. Request a quote for the coverage you need here!