Is Medica health insurance available to individuals?


Quick Answer

Medica health insurance is available for individuals meeting certain requirements. It is only available to those living in Minnesota, North Dakota, South Dakota, and Wisconsin.

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Full Answer

Minnesota Health Care Programs (MHCP) are designed to help those who cannot afford health insurance due to low income, unemployment and the inability to obtain insurance through an employer. Assistance is offered to Medicare-eligible individuals who cannot afford to pay the premiums or require services not covered by Medicare, disabled persons requiring in-home services, and those who have incurred high medical bills due to residential facility stays.

Various plan options are offered for people of all ages. Plans for those younger than 65 include Medica Choice Care Medical Assistance (MA), Medica MinnesotaCare and Minnesota Special Needs Basic Care (SNBC). Plans for those ages 65 and older include Minnesota Senior Care Plus and Minnesota Senior Health Options (MSHO).

While both MA and Medica MinnesotaCare plans cover families and children, MA also provides insurance for pregnant women and people with disabilities, and Minnesota Care offers options for single adults. SNBC provides services for those with disabilities between the ages of 18 to 64 who have been certified as disabled by Minnesota's Social Security Administration.

Both Medica Senior Care Plus and MSHO are designed for individuals who are Medicare eligible, with the MSHO program available to those who are also eligible for Medical Assistance. Enrollment applications can be obtained through your county's Human Services office and online through MNsure.com.

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