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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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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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Domestic Partners
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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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