Best Health Insurance Agencies in Minneapolis

Frequently Asked Questions

• Introduction

  If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.
  

• If you have a MinnesotaCare plan, how can you see a specialist in Minneapolis?

  Because there are different insurance providers for MinnesotaCare plans, you have to get in touch directly with the provider to check your options. Ask your primary care doctor for a referral to see a specialist. The Hennepin County Human Services & Public Health Department can also answer questions about these plans. The department's contact info is as follows: PO Box 107 Minneapolis, MN 55440-0107 612-596-1300 Fax: 612-288-2981

• Can someone in Minneapolis get plans from the state-run health insurance marketplace?

  Yes, Minnesota runs its own online health insurance marketplace, MNsure. Through this, the people of Minneapolis can conveniently compare plans and buy one that fits their needs as well as apply for financial assistance. However, there is a specific open enrollment period for private insurance plans that can be bought in the marketplace. In most cases, free or low-cost government-funded insurance such as MinnesotaCare and Medical Assistance is open for enrollment any time of the year.

• Are small employers in Minneapolis required to provide health plans to their employees?

  Small companies in Minneapolis with less than 50 full-time employees are considered small employers and are not legally required to provide health plans to their employees. These organizations can be partnerships, corporations, associations, or state political subdivisions. They can secure incentives such as tax credits if they purchase employee health benefits through MNsure.

• Do plans purchased in Minneapolis cover out-of-state medical expenses?

  All plans purchased in whichever state cover emergency out-of-state medical expenses except in Hawaii. Medical services for life-threatening situations are usually covered regardless of whether or not the medical provider is within the insurance's network. Other than emergency cases, there may be additional costs for out-of-state medical services for the insured person in Minneapolis.

• Do you need an insurance broker or 'assister' in Minneapolis to buy a health plan?

  Do note that it does not cost you anything to use the services of insurance brokers or assisters in Minneapolis. Each year, plans change and new ones are added, so these professionals can help you save time and money to find the health plan that best fits your and your family's needs.

• How can you find affordable health insurance? 

  Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.