A Minnesota Health Insurance Company Review leads to Minnesota Health Insurance Network or MNHI. MNHI has provided health insurance options for residents of Minnesota for over 20 years. They are a mutual company. This means that they contract with several insurance carriers and bring the best prices and coverage options to the clients.
Minnesota Health Insurance Network has partnered with:
- Blue Cross Blue Shield of Minnesota
- Health Partners
- Preferred One
- Assurant Health
By contracting with a wide variety of companies, MNHI can provide the best options for their clients.
Minnesota Health Insurance Network Individual Plans
Minnesota Health Insurance Network has many individual health plans to choose from. Individual health plans refer to both individuals and families. The term is used to differentiate them from group health insurance plans. MNHI provides individual health plans, individual dental plans, and student health insurance plans.
To find the health insurance plan that is right for you, MNHI asks a variety of questions including age, family size, current health provider, and address. They then ask questions about the type of health care that is important to you and your family. For example, do you need chiropractic care, pregnancy coverage, or prescription drug coverage?
Agents at Minnesota Health Insurance Network then take all of this information and match the individual with the plan that is closest to meeting all the specified needs. For dental plans, they simply provide coverage from three different companies. Once reading through each companies materials, clients can choose the plan that best fits their family’s dental needs.
The student health insurance plan options are similar to the health insurance options. The same information and questions are presented and then the right student plan is found. Student plans are for those who do not have coverage through their parents, are enrolled in college full-time, and do not have a job that offers health insurance benefits.
Minnesota Health Insurance Network Group Plans
Group plans offered by MNHI are for health insurance only. The health plans offered are for small businesses. MNHI does not provide health insurance coverage for large businesses or businesses that are nationwide or international. For Minnesota state businesses that have 2 to 50 employees, Minnesota Health Insurance Network has two types of plans available.
The first type of plan available for small businesses from Minnesota Health Insurance Network is Major Medical. As the name implies, Major Medical plans cover incidents that are considered major medical incidents such as hospitalization, surgery, emergency room care, and the like. They do not cover preventative care. Preventative care needs to be covered out of pocket.
The other type of plan available from MNHI is an HMO plan. This type of plan allows individuals within the group to choose their own doctors and hospitals. Since there is not an in network or out of network option, this plan gives the individual the most flexibility when it comes to choosing who provides the care. It is ideal for those who need specialists or those who are already committed to a certain physician.
Minnesota Health Insurance Network Specialized Plans
Minnesota Health Insurance Network also has a variety of specialized plans from which individuals can choose. The first type of specialized coverage is short-term health insurance for individuals and families. Short-term health insurance can be a need due to losing a job or another transition in life. Short-term health insurance can begin the day it is applied for, if the individual qualifies.
Another type of individual insurance offered by MNHI is International and Travel Health Insurance. For those who are traveling out of the United States either for business or on a trip, travel health insurance can be important. If your traditional health insurance policy does not cover international medical care, a temporary travel plan may be needed.
Medicare supplement plans are for those 65 and older who qualify for Medicare but need supplemental coverage to fill in the gaps in coverage. Those gaps are different for individuals based on their age, medical needs, and financial situation. Minnesota Health Insurance Network assesses each senior’s needs and chooses the plan that is right for them.