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Medica Health Insurance

The Medica Health Insurance company was started in 1975 by a group of doctors as a not for profit company. With a membership of close to 1.3 million people and a network of over 500,000 health care providers and 5,000 hospitals, Medica Health Insurance is a major player in the health insurance market.

Medica Health Insurance Ratings

  • 2.0
    coverage
  • 3.0
    cost
  • 1.0
    service
  • 1.0
    claims
  • 1.8
    overall rating

Based on 1 review – 1 is lowest, 5 is highest

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Medica Health Insurance is available to 98% of the population of Minnesota. With a growing catchment area, Medica Health Insurance products are now also available in adjacent counties in Wisconsin as well as North and South Dakota. Both the Medica Health Insurance commercial plan and the Medica Health Insurance Medicaid HMO plan have been awarded with the “Excellent” rating by the National Committee for Quality Assurance.

For more than thirty years, the Medica Health Insurance Company has been a leader in health care reform and improvement as well as in developing innovative new programs for its clients. They are very proud of the many options that they offer their customers. Their customer service is fast and efficient.

The Medica Health Insurance Patient Choice programs offer customers a multi tiered set of network options that give client easy access to wellness and care programs. Medica Health Insurance places an emphasis on the importance of wellness as well as dealing with illness. Their main aim is to raise the standards of health in all of the areas in which they work.

There is a wide range of Medica Health Insurance plans available. Below you will find some samples of what they have on offer.

The Medica Health Insurance Medica Direct HSA plan is a health savings account that runs alongside a high deductible coverage plan. The HSA allows you to save money that is tax free provided that the money in the account is used to cover qualified medical costs. Not only do you get lower premiums as well as good tax benefits but you are still eligible for prescription drug discounts, preventative care coverage and major medical insurance.

Deductibles for the Medica Health Insurance Medica Direct HSA plan run between $1,400 and $3,500 for individuals and between $2,800 and $7,000 for families. Subscribers have the option to choose between an 80% and 100% co-insurance option.

The Direct Value plan is another great offering of Medical Health Insurance. This is a more traditionally designed plan that offers a multi tiered deductible plan that runs from $150 to $5,000 for individuals and up to three times as much for families. Plan members have the use of the Medica Health Insurance network which offers close to 27,000 health care providers with 4,000 clinics, offices and hospitals. With a co-insurance rate of 80% this is a great option.

The Medica Health Insurance Encore plan has been designed for individuals only. It particularly targets the 50-64 year old range but can be utilised by anyone, no matter their age. Encore has a high deductible with immediate coverage for preventative care services. The deductibles ranges between $4,000 and $9,000 with 100% co-insurance once the deductible has been paid.

Medica Health Insurance firmly believes that high quality dental health is a key component of general wellness and good health. To that end they offer dental insurance cover through a combined effort between Medica Health Insurance and Delta Dental of Minnesota, which is the biggest dental insurance benefits administrator in the state.

The Medica Health Insurance Direct Dental plan is designed for individuals who are between 18 and 64 and who are already Medica Health Insurance clients. The plan offers economical, comprehensive insurance to cover you and your family.

Benefits of the Medica Health Insurance Direct Dental plan include the freedom to choose between your own dentist and one of the Medica Health Insurance network dentists. Network members generally mean good cost savings. Guaranteed premium rates are offered for your first year with the plan. There are no waiting period for routine care, fillings, sealants, and most oral surgery and root canal. There are even three different plans to choose from.

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Medica Health Insurance

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Claim Half Covered

Jan 08, 2013 by Anonymous
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While on vacation, my husband had to be air lifted to another hospital resulting in $19,000 in costs. There are no Medica Health Insurance network providers within over 100 miles yet Medina paid the company a dismal $6,500. I'm being billed for the difference! That is certainly not reasonable and customary payment to a provider when no other services were available. It was definitely an emergency as my husband did not survive.


Insurance USA , USA 2.0 2.0 1 1 While on vacation, my husband had to be air lifted to another hospital resulting in $19,000 in costs. There are no Medica Health Insurance network providers within over 100 miles y