Health Insurance Contact Information for Your State

Minnesota

State Department of Insurance

Minnesota Department of Commerce 800-657-3602
http://mn.gov/commerce/insurance/?agency=Insurance

For information on insurance laws and protections for individuals in your state, you can contact the state insurance department. If you are having a problem with your health plan and are unable to resolve it with the plan directly and want to file a complaint, the state insurance department may be able to help.

State Health Insurance Marketplace

MNsure 1-855-3MNSURE (1-855-366-7873)
https://www.mnsure.org/

A Health Insurance Marketplace is available in every state where individuals and small businesses can buy health insurance. Plans in the Marketplace must meet certain requirements for benefits, consumer protections and cost to consumer. Individuals and families with incomes below a certain level who do not have an offer of affordable insurance from their employer and do not qualify for certain other types of coverage may be eligible for financial help to purchase insurance.

Individuals can shop for and enroll in health insurance through the Marketplace from November 1, 2017 through December 15, 2017 for coverage starting January 1, 2018. (Some states may allow more time to enroll after December 15- check with your state Health Insurance Marketplace). After December 15, 2017, the annual open enrollment period will occur each fall for coverage starting the following year. 

Once the annual open enrollment period ends, you must wait until the next open enrollment period to buy insurance in the Marketplace unless you qualify for a special enrollment period because of a qualifying life event like a job loss, birth, or marriage. 

When you fill out an application in the Marketplace, you will be informed about your eligibility for financial help to purchase insurance, or if you're eligible for coverage under your state's Medicaid or CHIP. Consumer assistance is available online, over the phone, or in-person. There are trained people called "Navigators" and other assisters to help individuals understand their coverage options and the enrollment process. You can access this free individual assistance to help you choose a plan and enroll by contacting your state Marketplace or by searching on the following website: localhelp.healthcare.gov.

Medicaid

Minnesota Medical Assistance 1-800-657-3739
http://www.dhs.state.mn.us/MAexpansion

Medicaid is a state-run program providing medical coverage for individuals and families with low incomes and resources. It is up to each state to set its Medicaid program eligibility standards for adults and children. Contact your state Medicaid program or the state Health Insurance Marketplace for more information on who is eligible for Medicaid in your state.

State Children’s Health Insurance Program

MinnesotaCare 800-657-3672 or 651-297-3862 (Twin Cities)
https://www.dhs.state.mn.us/HealthCare/mncare

The children’s health insurance program (CHIP) is designed to provide coverage to children and teens up to age 19 whose families may have too great an income or assets to qualify for Medicaid, but who may not be able to afford health insurance. Contact the CHIP program or the state Health Insurance Marketplace for more information.

Medicare

1-800-MEDICARE [1-800-633-4227]
www.medicare.gov

Medicare is the federal health insurance program for people age 65 or older, people under age 65 with disabilities, and people with End-Stage Renal Disease. Contact Medicare for more information on who is eligible and what is covered.

Also, free health insurance counseling and personalized assistance for Medicare beneficiaries is available in every state through the State Health Insurance Assistance Program (SHIP). Call 1-800-MEDICARE (1-800-633-4227) or visit www.shiptacenter.org to find the telephone number of the SHIP office closest to you.

Other Consumer Assistance Resources

Some states have Consumer Assistance Programs offering direct help to individuals with problems or questions about their health insurance. These programs also help you file an appeal when an insurance claim is denied. Find out if your state has a consumer assistance program here: www.healthcare.gov/how-can-i-get-consumer-help-if-i-have-insurance/

Patient Advocate Foundation 1-800-532-5274
www.patientadvocate.org
Patient Advocate Foundation (PAF) provides professional case management services to Americans with chronic, life threatening and debilitating illnesses, serving as active liaisons between patient and insurer.

Local Community Health Clinics

If you or your loved one is unable to see a physician due to the cost of care, there may be a local community health clinic in your area. These clinics generally are free to patients or require a very small fee.

Visit findahealthcenter.hrsa.gov/Search_HCC.aspx to find a clinic in your area.