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Use Your Coverage

If you are enrolled in private coverage, use the information below for tips on using your health insurance coverage. If you are enrolled in Medical Assistance or MinnesotaCare visit the Department of Human Services' website for new member information. 

Once your coverage starts, use it to help cover your medical costs. Remember that private health plans purchased through MNsure include 10 essential benefits

Tips to Get Started

  • Be sure to pay your monthly premium to your health insurance company on time.
  • Review your summary of benefits and coverage to get a good overview of what your plan covers.
  • To get comprehensive information about your plan's coverage, refer to the evidence of coverage for your plan.
  • Understand the out-of-pocket costs for your plan. (This can save you money!)
  • If you have questions about your coverage, call your insurance company to get help.
  • Schedule preventive care appointments (these are free if used inside your network).
  • Get emergency care. For emergency situations, find the nearest hospital or health facility, even if it is out of your network. You won't be charged extra for out-of-network emergency services.

Costs Explained

How cost sharing works between you and your health insurance plan and some key factors that determine how much you will pay for health care, and when.

Coverage to Care

Tips on how to use your coverage to get the primary care and preventive services to help you and your family live long, healthy lives.

Fill Prescriptions

The prescription drugs covered can vary from plan to plan. Tips to see if your medication is covered through your plan.

Know Your Provider Network

Using providers in your health plan’s network will likely keep your health care costs lower.

Summary of Benefits and Coverage

An easy-to-read summary that lets you make apples-to-apples comparisons of costs and coverage between health insurance plans.

Your Health Insurance Card

Your health insurance card contains basic information about your health plan and numbers to call if you need help.

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