Cheap Minnesota Health Insurance Quotes and Free Minnesota Health Insurance Quotes
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To determine your health insurability, Minnesota health insurance companies usually consider these factors such as your age, health, habits, lifestyle, and occupation. The older you are when you purchase your Minnesota health insurance, the higher your Minnesota health insurance premiums will usually be and the harder it will be to find a Minnesota health insurance company willing to insure you. This is because your risk of health-related issues increases as you get older. Habits such as drinking or smoking can also result in difficulty finding quality Minnesota health insurance, as they are associated with various health problems costing Minnesota health insurance companies millions of dollars in Minnesota medical insurance claims every year. Working a job which is dangerous or puts your health at risk may also contribute negatively to your Minnesota health insurability. If you have these kinds of issues, it is difficult for you to find quality, affordable Minnesota health insurance. On the other hand, if you are healthy, relatively young, Minnesota health insurance companies consider you less of a risk and it makes you much more insurable in their eyes.
The following information details minnesota health insurance and assistance programs available to uninsured people in Minnesota.
Minnesota Department of Commerce http://www.state.mn.us/cgi-bin/portal/mn/jsp/home.do?agency=commerce (651) 296-4026 or (800) 657-3916 In Minnesota, state law allows minnesota health insurance companies to turn people down for individual minnesota health insurance coverage based on the status of their health. Even though you can be turned down for an individual minnesota health insurance policy, you can never be turned down for minnesota health insurance that is offered through an employer.
Minnesota Medicaid, General Assistance Medical Care (GAMC), and prescription drug program http://www.dhs.state.mn.us/main/groups/healthcare/documents/pub/DHS_id_006247.hcsp (800) 657-3529 or (651) 296-8517 Medicaid is available to anyone who meets income and eligibility criteria. Even if your income meets the criteria, you must fall into one of the eligibility categories in order to qualify.
Minnesota Comprehensive Health Association http://www.mchamn.com/ (866) 894-8053 or (800) 325-3540 MCHA is the Minnesota state high-risk pool. This program allows individual minnesota health insurance policies to be sold to people who might otherwise be considered “uninsurable” because of a chronic illness.
MinnesotaCare http://www.dhs.state.mn.us/main/groups/healthcare/documents/Pub/DHS_id_006255.hcsp (800) 657-3672 or (651) 297-3862 MinnesotaCare is the health insurance program designed to provide minnesota health insurance to children and teens, families, and some adults who may have too great an income or assets to qualify for Medicaid, but who may not be able to afford minnesota health insurance.
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