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  Minnesota Health Insurance Savings & HSA  
 

Health Insurance Q & A

 
  1. I Need temporary or short-term medical coverage
  2. I am in between jobs
  3. I am currently uninsured and need the quickest possible coverage
  4. I am currently uninsured and need the quickest possible coverage
  5. I am Interested in a Health Savings Account (HSA) Insurance Plan
  6. I already am covered by an HSA-Qualified plan and need to set up a Health Savings Account (HSA)
  7. I am self-employed and/or a small business owner
  8. I am interested in high deductible/major medical/catastrophic coverage only with lower premium costs
  9. I don’t go to the doctor much and I don’t have a lot of medical expenses
  10. I am an employee of a company that does not offer any health insurance
  11. I have a lot of medical bills and/or prescription costs
  12. I want lower deductible options and less out-of-pocket
  13. I want a plan with first dollar coverage and prescription copays
  14. I need Dental Coverage
  15. I have been declined for health insurance already –what do I do?
 
1. I Need temporary or short-term medical coverage
2. I am in between jobs
3. I am currently uninsured and need the quickest possible coverage

A. For short term or temporary insurance we suggest applying for Assurant Health Short Term Medical Insurance

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4. I am currently uninsured and need the quickest possible coverage

A. Good options for comprehensive health insurance would be Blue Cross Aware Care, Blue Cross Options Blue, Blue Cross Simply Blue plan, Medica Direct HSA, The Medica Solo Plan, Health Partners Individual Plan, Health Partners Empower HSA Plan, Preferred One HSA Plan, Assurant Health Major Medical Plan.

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5. I am Interested in a Health Savings Account (HSA) Insurance Plan

A. We suggest HSA Insurance Plans through Blue Cross Options Blue, Medica Direct HSA, Health Partners Empower HSA Plan, Preferred One HSA Plan, and Assurant Health Major Medical Plan.

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6. I already am covered by an HSA-Qualified plan and need to set up a Health Savings Account (HSA)

A. Click here for an HSA application form for HSA Resources.

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7. I am self-employed and/or a small business owner

A. For self employed individuals we suggest Blue Cross Aware Care, Blue Cross Options Blue, Blue Cross Simply Blue Plan, Medica Direct HSA, The Medica Solo Plan, Health Partners Individual Plan, Health Partners Empower HSA Plan, Preferred One HSA Plan, Assurant Health Major Medical Plan.

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8. I am interested in high deductible/major medical/catastrophic coverage only with lower premium costs

A. If you desire a high deductible with a low premium we suggest Blue Cross Aware Care, Blue Cross Options Blue, Medica Direct HSA, Health Partners Individual Plan, Health Partners Empower HSA Plan, Preferred One HSA Plan, Assurant Health Major Medical Plan.

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9. I don’t go to the doctor much and I don’t have a lot of medical expenses

A. In this case we suggest Blue Cross Aware Care, Blue Cross Options Blue, Blue Cross Simply Blue Plan, Medica Direct HSA, The Medica Solo Plan, Health Partners Individual Plan, Health Partners Empower HSA Plan, Preferred One HSA Plan, Assurant Health Major Medical Plan.

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10. I am an employee of a company that does not offer any health insurance

A. We suggest Blue Cross Aware Care, Blue Cross Options Blue, Blue Cross Simply Blue Plan, Medica Direct HSA, The Medica Solo Plan, Health Partners Individual Plan, Health Partners Empower HSA Plan, Preferred One HSA Plan, Assurant Health Major Medical Plan.

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11. I have a lot of medical bills and/or prescription costs

A. Good options in this case are Health Partners Individual Plan, Blue Cross Aware Care, Blue Cross Simply Blue Plan, The Medica Solo Plan, MCHA Plan.

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12. I want lower deductible options and less out-of-pocket

A. For less out-of-pocket expenses, although higher premiums may apply, we suggest Health Partners Individual Plan, Blue Cross Aware Care, The Medica Solo Plan, Blue Cross Simply Blue Plan.

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13. I want a plan with first dollar coverage and prescription copays

A. In our opinion, the best plan in this case would be Blue Cross Simply Blue Plan or The Medica Solo Plan,

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14. I need Dental Coverage

A. For dental coverage we recommend Spirit Dental Application.

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15. I have been declined for health insurance already –what do I do?

A. Take a look at the MCHA application.

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