Health Insurance

People know that in this day and age, Minnesota health insurance is not just a luxury, it is a necessity. With the cost of medical care and treatments continuing to skyrocket, it is more important than ever to be able to find a trusted source for good, affordable Minnesota health insurance quotes. Thousands of people are choosing insuranceUSA.com for just this purpose. In basic terms, health insurance is a form of insurance which covers medical expenses, both routine and emergency. Many states also offer additional coverage packages, including disability and long-term care.

The following article will provide details and information pertaining to the regulations of Minnesota health insurance for both individual and small group subscribers. There is also basic information concerning COBRA coverage. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The main users of COBRA insurance are people who have, for whatever reason, lost their primary means of health coverage, usually through the loss of a job. However, COBRA insurance covers more than just former employees. Other common users of COBRA insurance include recent retirees and people with disabilities. COBRA insurance also commonly covers the spouse and/or children of those who enjoy its benefits.

You will also find statistical information allowing you to compare the healthiness of Minnesotans to those who live in other states.

In this article, you will find all the information you need about Minnesota health insurance to allow you to make an informed and thoughtful decision concerning your health insurance needs. At insuranceUSA.com we will provide you with quotes for the exact, personalized type of health insurance which you choose.

Minnesota Individual and Family Health Insurance
Your eligibility to purchase individual or family health insurance in Minnesota is greatly influenced by your current and past health status and history. Minnesota health insurance companies may deny coverage to an applicant if they feel that the cost of insuring the individual will pose a risk to the company’s claims ratio- that is, they will be paying an exorbitant dollar amount in claims. Many times this is based on whether a person applying for health insurance has a pre-existing condition. Minnesota health insurance companies are permitted to look back 5 years to determine whether a person has a pre-existing condition. They may agree to offer you coverage, but may attach a rider to your policy which, in effect, exempts the company from having to pay any medical expense related to the pre-existing condition. Minnesota health insurance companies are also allowed to exclude a pre-existing medical condition for 2 years, regardless of whether the insured member had prior health insurance or not.

Minnesota Group Health Insurance
Minnesota health insurance law does not require employers to offer health insurance to all of its employees. For instance, those who work part-time or who live outside of the area the insurance covers may not necessarily be covered. But, if you are eligible for coverage, then under Minnesota health insurance law, you are guaranteed health insurance no matter what your current health situation. Minnesotan employers decide how long of a waiting period is required before an employee is eligible for coverage under the group plan. Some group plans do exclude treatment for pre-existing medical conditions that you have received medical care for in the six months before joining the group plan. Depending on your situation, your medical coverage from a previous employer may provide coverage for you for existing medical conditions.

Minnesota COBRA Insurance
Under Minnesota health insurance rules, the federal COBRA regulations apply to only those companies with more than 20 employees. An eligible employee may decide to keep their Minnesota health insurance coverage through COBRA for up to 18 months, or until they get other coverage, whichever comes first. There are exceptions to the 18 month limit. For instance, some dependents can remain covered for up to 36 months, and disabled persons can be covered for 29 months. COBRA is a way to extend the Minnesota health insurance you had from an employer. However, if the group insurance plans ends or your employer decides to stop providing health insurance for employees, your COBRA coverage will also end. For people whose COBRA coverage has ended, there is further Minnesota health insurance coverage available through the Minnesota Comprehensive Health Insurance Association (ACHIA).

Minnesota Health Information and Statistics
If you are in the market for quality Minnesota health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Minnesota ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Minnesota are a low rate of cardiovascular disease, a low premature death rate, a low prevalence of smoking, and a low rate of uninsured population. Minnesota also faces many challenges, such as low per capita public health funding and a moderate geographic disparity within the state.

According to a 2008 study, Minnesota had some significant changes over the past year. These changes include: the prevalence of smoking declined by 10%, per capita public health funding decreased by 27%, and the percentage of children in poverty increased by 23%. Since 1990, the prevalence of obesity soared by 155%.

Following is a variety of statistical data related to living in Minnesota, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Minnesota health insurance.

  • Prevalence of Smoking-5th
  • Prevalence of Obesity-24th
  • Violent Crime-16th
  • Children in Poverty-17th
  • Air Pollution-17th
  • Cancer Deaths-11th
  • Lack of Health Insurance-4th
  • Prevalence of Binge Drinking-27th
  • Infant Mortality-7th
  • Infectious Disease-16th
  • Premature Death-1st

Overall Rank: 4th
Change: -2