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Population: 5,167,101
(Source: U.S. Census Bureau)
Uninsured: 439,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Minnesota health insurance policies. Click here to view our registration with the Minnesota Office of Insurance (Select "Insurance, Producers/Agencies" from the drop down menu. We're listed as HBDC, and we're in Deerfield Beach). |
Minnesota has the 31st highest number of uninsured in the U.S.
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Health Insurance News in Minnesota
Buying Individual Insurance Policies in Minnesota
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Minnesota:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Ambulatory Surgery
- Anti-Psychotic Drugs
- Bone Marrow Transplants
- Breast Reconstruction
- Cervical cancer/HPV Screening
- Chemotherapy
- Cleft Palate
- Clinical Trials
- Colorectal Cancer Screening
- Contraceptives
- Dental Anesthesia
- Diabetes Self Management
- Diabetic Supplies
- Drug Abuse Treatment
- Emergency Services
- Hair Prostheses
- Hearing Aid
- HPV Vaccine
- Lyme Disease
- Mammogram
- Mastectomy
- Maternity
- Maternity Stay
- Mental Health General
- Mental Health Parity
- Off-Label Drug Use
- Other Infertility Services
- Ovarian Cancer Screening
- PKU/Formula
- Port-wine Stain Elimination
- Prostate Cancer Screening
- TMJ Disorders
- Well-Child Care
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- Alzheimer's
- Ambulance Services
- Autism
- Birthing Centers/Midwives
- Blood Lead Poisoning
- Blood Products
- Bone Mass Measurements
- Cancer Medications
- Chlamydia
- Congenital Bleeding Disorders
- Early Intervention Services
- Habilitative Services
- Home Health Care
- Hospice Care
- In Vitro Fertilization
- Kidney Disease
- Long Term Care
- Mastectomy Stay
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Hearing Screening
- Newborn Sickle-Cell Testing
- Orthotics/Prosthetics
- Ostomy Related Supplies
- Prescription Drugs
- Psychotic Drugs
- Rehabilitation Services
- Second Surgical Opinion
- Smoking Cessation
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Dependent Students
- Grandchildren
- Handicapped Dependents
- Newborns
- Non-Custodial Children
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropractors
- Dentists
- Dieticians
- Licensed Health Professional
- Marriage Therapists
- Nurse Anesthetists
- Nurse Midwives
- Nurse Practitioners
- Nurses
- Occupational Therapists
- Opticians
- Optometrists
- Osteopaths
- Pharmacists
- Physical Therapists
- Podiatrists
- Psychiatric Nurse
- Psychologists
- Public or Other Facilities
- Social Workers
- Speech or Hearing Therapists
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- Acupuncturists
- Chiropodist
- Denturists
- First Nurse Assistant
- Lay Midwives
- Massage Therapists
- Naturopaths
- Oral Surgeons
- Pain Management Specialist
- Pastoral Counselor
- Physician Assistants
- Professional Counselors
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Minnesota.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Minnesota residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Minnesota.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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