Personal professional enrollment support is available for all of the benefit plans listed on this page.
Send your question by e-mail for fast OnlineAdviser response.
Limited telephone support (800) 609-0683.
Office hours posted daily on Twitter
@FreedomBenefits
Most Liberal Eligibility
Core Health Insurance
- the nation's most popular defined benefit health plans with guaranteed acceptance
from US Fire Insurance Company
Pre-existing Condition Insurance Plan
- a temporary government-sponsored plan available to citizens/residents who have been uninsured for more
than 6 months due to a pre-existing medical condition.
Value 24 Hour Accident
- up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.
Value Emergency Room
- add $1,000 additional emergency room coverage for $1 per day for the whole family
Most Affordable
Secure Lite STM
- the lowest priced major medical insurance for 1 to 12 months
Secure Saver STM
- $2 million maximum coverage for 1-12 months at an ultra-low rate
Value Med Insurance
- 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits
Long Term Major Medical
Celticare
- well-known renewable individual major medical insurance for
discriminating healthy applicants
Dental Insurance
Secure DentalOne
- one lifetime deductible of $100 and then up to $1,250 per year coverage
Online Life Insurance
International Term Life
- up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US
QuoteIntelligence Term life insurance
- find the lowest rates, compare features &
eligibility requirements and then apply online with the
best insurance companies in less than 30 seconds.
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Minnesota health insurance exchange
Minnesota has
several
commercial health
insurance companies
that offer
individual major
medical insurance
and 17 small group
health insurance
plans as well as
state-sponsored
Minnesota Comprehensive Health Association (MCHA)
high risk health plan for residents
that have been
declined commercial
coverage due to a
pre-existing
condition. These
standard health
insurance plans may
not be affordable to
all residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.
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Minnesota insurance & benefit news
Minnesota had the
2nd highest health
insurance costs of
all states in 2008
with an average
family premium of
$13,639 per year.
(The average annual
premium for a U.S.
family covered under
an
employer-sponsored
health plan in 2008
was $12,298
according to
The
Commonwealth Fund
report. The
overall quality of
health care
ranked 4th out of
the 51 states
(including DC).
Minnesota regulates the benefits required for both
individual major
medical and group
health insurance
plans, known as
"mandated benefits".
Short Term Insurance
Markel Smart STM
- popular and affordable short term major medical insurance with fast online approval
Secure STM
- along with its 12 month and 36 month options, this may be the highest quality short term
coverage
Intermediate Term
Inbound Immigrant
- up to five years of liberal health insurance coverage after immigration including maternity coverage,
emergency and other essential benefits
Supplemental Insurance
Smart Accident Insurance
- supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits.
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Minnesota Insurance Law
The
Minnesota Department
of Commerce Web site contains
a link to
legislative updates
related to insurance
laws as well as
information for
consumers who have
an unresolved
insurance complaint.
The Web site has not yet
developed resources
to help individuals
find
commercial low cost
health plans like
mini-med or core
coverage, specific
illness policies,
supplemental
insurance and
basic health
insurance.
The Department of
Commerce can be reached by telephone at 651-296-2488
or by mail at 85 7th Place East, Suite 500, St. Paul MN 55101. The state
children's health
insurance plan
(CHIP) Web site is
MinnesotaCare.
Non-insurance Discount Plans
Careington PPO Discount Plans
- the nation's leading network PPO discount provider allows a no-risk trial
of any discount plan for only a $20 processing fee
Rx Pay Card
- $10, $20, or $30 payments for hundreds of popular prescriptions.
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Minnesota Insurance News
2/7/2011 The state's pre-exisitng condition
insurance plan (PCIP) monthly premium rates (per person):
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Plan/Age Band
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00-18
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19-34
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35-44
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45-54
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55+
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Standard
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$156
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$234
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$281
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$358
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$498
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Extended
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$210
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$315
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$378
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$482
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$671
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HSA
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$162
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$243
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$291
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$372
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$518
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PCIP will cover a broad range of health
benefits, including primary and specialty care, hospital
care, and prescription drugs. All covered benefits are
available for you, beginning on your coverage effective
date, even if it’s to treat a pre-existing condition - there
are no waiting periods. PCIP applicants who are approved to
participate in PCIP can choose from three plan options, with
different levels of premiums, calendar year deductibles,
prescription deductibles and prescription copays. The HSA
Option provides an opportunity to open a Health Savings
Account, a tax-exempt account where you can deposit funds
for eligible medical expenses. Each of the three PCIP plan
options provides preventive care (paid at 100%, with no
deductible) when you see an in-network doctor and the doctor
indicates preventive diagnosis. Included are annual
physicals, flu shots, routine mammograms and cancer
screenings. For other care, you will pay a deductible before
PCIP pays for your health care and prescriptions. After you
pay the deductible, you will pay 20% of medical costs
in-network. The maximum you will pay out-of-pocket for
covered services in a calendar year is $5,950
in-network/$7,000 out-of-network. There is no lifetime
maximum or cap on the amount the plan pays for your care. If
you apply for PCIP coverage
on the governemnt Web site, you will be billed for the
premium once your application is approved. You will need to
send in your payment in order for your coverage to be
effective. Please do not send in the premium before you are
billed. Note that your premium may increase if you age into
a higher rate tier, or if PCIP adjusts its premiums to any
changes in the commercial market.
2/3/2011 Minnesota is named as one of the
states most likely to cut back on Medicaid spending and coverage. The
Universal
Health Insurance blog discusses the impact on the state's commercial
insurance consumers.
2/2/2011 The Universal Health Insurance Blog
published a review of the
Minnesota
Comprehensive Health Association high risk insurance plan. To our
knowledge, this is the most complete review of any high risk health plan
available in public media.
12/20/2010 Minnesota was one of two states
that has not indicated that it will adapt a version of the American Health
Benefit Exchange Model Act that was distributed to the states by the federal
Department of Health and Human Services last week. Minnesota's Governor is
quoted as saying that the insurance exchange is a waste of taxpayer money.
Freedom Benefits has previously voiced the opinion that the huge amount of money
being spent to set up alternate insurance sales system technologies could be
better used providing health benefits to the public. We proposed on the
Universal
Health Insurance blog that adequate commercial insurance sales systems are
already in place that could be modified in a public/private partnership to make
health insurance more affordable.
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in Minnesota is now available at Freedom Benefits.
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