You may need Minnesota temporary medical coverage for a variety of reasons. You could be between jobs or you may only have temporary or part time employment. Temporary health insurance in Minnesota is needed whenever you are waiting for permanent health insurance and is also used instead of Consolidated Omnibus Budget Reconciliation Act (COBRA) insurance.

Minnesota short term health insurance is not usually serviced by Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs). Minnesota temporary medical insurance providers usually allow the insured party to receive care from any health practitioner licensed to practice in the United States.

It is important to keep the following three points in mind when you are thinking about buying temporary health insurance:

1. Gap coverage between standard policies is the primary intent of short term health insurance. Minnesota policy holders will need to obtain standard health insurance at some point future.

2. Temporary health insurance in Minnesota generally covers unforeseen illnesses and injuries but will probably not cover routine examinations or preventative care.

3. Temporary health insurance is exempt from the Health Insurance Portability and Accountability Act (HIPAA). Carriers do not have to issue or renew policies and are not required to waive restrictions on pre-existing conditions.

Action Steps
The best contacts and resources to help you get it done

Get general quotes for Minnesota temporary health insurance policies

There is a wide variation in premiums for Minnesota temp health insurance but they will almost certainly be higher than those for equivalent long-term policies.

I recommend: Review the premiums for various companies that provide MN temporary health insurance at Med Health Insurance. They also provide guidance on selecting temporary health insurance.

Examine the types of available Minnesota short term health insurance

Many Minnesota temporary health insurance providers only cover certain groups or conditions. It will be extremely helpful to read a summary for a policy before studying it in detail.

I recommend: Find a brief description of different MN temporary health insurance plans at Blue Cross Blue Shield of Minnesota. They primarily list competitively priced policies.

Solicit personalized quotes on temporary health insurance based on your location

You can get a more meaningful initial quote by providing some information about yourself when applying for short term health insurance. Minnesota has many websites that will forward a single application multiple health insurance companies.

I recommend: Complete the application form on MNHI.net. It will be sent to individual carriers who will then respond with a quote.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  While temporary health insurance in Minnesota generally has a maximum term of six months, you will frequently be able to obtain a second policy if you didn't make any claims under the first policy, there haven't been significant changes to your health and your total coverage for all plans does not exceed one year.