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Minnesota Risk Pool : Health Insurance Provided for the Uninsurable

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Acronym or name of the risk pool: Minnesota comprehensive health association or MCHA.

Regulation establishing risk pool: Minnesota Legislature., under chapter 317, revised in 2005 under chapter 62E.

Funding: The programme receives funds from premium payments by members. It is also received from assessments on health plans. Licensed companies are assessed according to the business they’re receiving in the state.

Plans offered: There are seven different plans on offer. Five PPO plans are offered with varying deductibles. There is a high deductible plan and a Medicare supplemental plan also.

Plan benefit: The five PPO plans offer the same coverage for different levels of deductibles. The options are $500, $1000, $2000, $5000 and $10000. Once the deductibles have been paid, a coinsurance of 20% must be paid for all covered medical benefits. The maximum coinsurance limit is $3000 apart from the $5000 and $10000 deductible plans. In these 2 plans, the deductible is the out of pocket maximum you have to pay. The high deductible health plan is HSA eligible. Once the annual deductibles have been met, 100% coverage is provided for medical expenses. The Medicare supplemental plan is a basic Medicare plan. In this type, the MCHA pays 20% coinsurance after deductibles have been met.

MCHA summary of plans: http://www.mchamn.com/

Maximum benefit limits: The maximum limits for the PPO plans are $2800000.

Eligibility: (a) The person must be a resident of Iowa for at least 60 days. (b) The person must have received a notice rejecting his application for insurance from an admitted company in the state within the last 12 months. (c) The person is over 65 and not eligible for Medicare benefits. (d) Or, the person is under 65 and is eligible for group coverage under HIPAA. (e) The person is eligible under Trade Adjustment Assistance Or Pension Benefit Guarantee Corporation. (f) The person has been treated for a presumptive condition mentioned in the MCHA guidelines in the last 3 years.

Enrollment periods: MCHA can be enrolled in at any time. If the person is eligible for cover under HIPAA, application for coverage must be made before 63 days of termination of the last coverage.

Premium payments: Premiums are dependent on the health plan you select. It is also determined by your age, sex and whether you are a smoker.

Premium calculations: The premiums are authorized by the insurance commission and ranges between 101% and 125% of the standard risk rate prevailing in Minnesota.

Pre existing condition waiting period: For all policies under MCHA, benefits are not payable for the first 6 months of coverage under a preexisting condition. Exceptions apply under waivers. In order to know amount the condition of waivers, you must fill out an application at the request section.

Contact information: Minnesota comprehensive health association. Customer service, mail route CP555. 401 Carlson parkway. Minnetonka, MN 55305 5387. Ph - 866 894 8053. MCHA Website.

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