Minnesota Attorney General's Office
1400 Bremer Tower
445 Minnesota Street
St. Paul, MN 55101
M - F 8 am - 5 pm
In addition to private health insurance, there are government plans that cover some people. Below are descriptions of available plans.
MINNESOTA COMPREHENSIVE HEALTH ASSOCIATION (MCHA)
The Minnesota Comprehensive Health Association (MCHA) is a health plan for people unable to obtain insurance coverage in the private marketplace. MCHA may not turn you away because you have a medical problem. Rather, it is designed to provide health care coverage to people with medical problems. MCHA policies exclude coverage for pre-existing conditions for the first six months, but there are ways to get this waived.
You may contact MCHA at the following address for more information and an application form or you may contact your insurance agent:
Minnesota Comprehensive Health Association
Mail Route CP555
Minnetonka, MN 55305
MinnesotaCare is a health care program for Minnesotans who do not have access to other health care insurance. There are no health condition restrictions, but applicants must meet income and program guidelines. For example, as of the date of this publication, a family of four needs to meet a monthly gross income limit of $3,770 to qualify for MinnesotaCare. Enrollees pay a monthly premium based on income and family size. Currently, the average premium for an adult is $18 per month. Some children may be covered for as little as $4 per month.
Contact your county's human services agency for more information about MinnesotaCare income and eligibility requirements. Or, you may call the Minnesota Department of Human Services which administers MinnesotaCare at:
or Toll Free at 1-800-657-3672
MEDICAL ASSISTANCE (MA)
MA is the largest of three health care assistance programs in Minnesota. It provides medical assistance to low-income senior citizens, children and families, and people with disabilities. MA, also called Medicaid, may also help pay premiums for other health insurance. To qualify, you must meet income and asset guidelines. For example, as of the date of this publication, a family of four must have a net income limit of $828 per month. Contact your county's human services agency for more information about eligibility requirements.
GENERAL ASSISTANCE MEDICAL CARE (GAMC)
The General Assistance Medical Care program pays for medical care for low-income Minnesotans who don't qualify for Medicaid or other state or federal health care assistance programs. Qualifying recipients must meet income guidelines and asset limits. The Minnesota Department of Human Services oversees the program but the program is administered by the counties. Contact your county human services agency for more information.
Medicare is the federal government's health insurance program for people 65 years old and older. It is also available to qualified disabled individuals of any age. Medicare Part A covers hospital and nursing home services. Part B covers physician and other professional services. People who are entitled to Social Security benefits pay no premium to receive Part A coverage. However, both Part A and Part B have annual deductibles and coinsurance requirements.
In addition, Medicare supplement insurance is available to fill in the gaps in Part A and Part B coverage. You can purchase supplemental insurance to pay for items that Medicare generally does not cover.
If you have questions about Medicare eligibility or want to apply for Medicare benefits, call the Social Security Administration toll-free at 1-800-772-1213. The TTY number for those using teletypewriter devices is 1-800-325-0778.
The U.S. Department of Health and Human Services offers a comprehensive guide to health insurance for people with Medicare entitled Medicare and You. The guide is available free of charge, in print or audio cassette format in English or in Spanish, by calling 1-800-MEDICARE, that is 1-800-633-4227.