State Government Insurance Programs Offered

Minnesota Comprehensive Health Association (MCHA)

www.michigan.gov/mdch (Listed under “Pregnant Women, Children & Families”) Nutrition education and services; breastfeeding promotion and education; monthly food prescription of nutritious foods; access to maternal, prenatal and pediatric health-care services. Eligibility: Must live in Michigan and have a nutritional need determined by WIC staff. Must be a child under 5, a new mom, or a pregnant or breastfeeding woman. Income limit is 185% FPL.

Pre-existing Condition Insurance Plan (PCIP)

Run by the U.S. Department of Health and Human Services www.PCIP.gov Covers broad range of benefits, including primary and specialty care, hospital care, and prescription drugs. Must have been uninsured for at least 6 months prior to applying. Must prove being a U.S. citizen or legal U.S. resident, a Minnesota resident, and having problems getting insurance due to a pre-existing condition.

Medical Assistance (Medicaid)

www.dhs.state.mn.us www.bridgetobenefits.org Clinic and physician, immunizations, ambulance, emergency room services when used for emergency care, inpatient and outpatient hospital care, lab, x-ray, family planning, pregnancy related services, nurse midwife, medical equipment and supplies, hearing aids, physical, occupational, speech, respiratory and rehabilitative therapy, transportation, mental health services, alcohol and drug treatment, prosthetics, nursing facilities, home health services, hospice, and more. Pre-Existing Health Conditions Covered Must be U.S. citizens or qualified aliens and live in Minnesota. Income limits for the following: Pregnant women: 175% FPL. Children ages 0–1: 280% FPL. Children ages 2–18: 150% FPL. Children ages 19–20: 100% FPL. Parents & relative caretakers with children under 19: 100% FPL. Parents, legal guardians, foster parents and relative caretakers with children under 21: 275% FPL. Adults without children: 75% FPL. Aged, blind and disabled: 100% FPL. Medically-needy singles: $677 monthly income with asset limit of $3,000; couples with monthly income of $911 with asset limit of $6,000. Limited assets such as cash, savings, stocks and bonds (except for pregnant women and children). Disabled are allowed to “spend down” for eligibility.

Sage Screening Program

www.health.state.mn.us (Search: Sage) Breast and cervical exams, Mammogram screenings, Pap smears and diagnostic services. Minnesota women with no insurance or whose insurance does not cover what Sage Screening provides. Income limit: 250% FPL. Must be age 40 or older. If younger than 40 and is determined by a clinician to be at elevated risk for breast cancer, Sage will cover her office visit and mammogram. If further follow-up is needed, the woman could also have a diagnostic mammogram, breast ultrasound, or outpatient breast biopsy.

Women-Infant- Children (WIC)

www.health.state.mn.us (Search: WIC) Nutrition education and services; breastfeeding promotion and education; monthly food prescription of nutritious foods; access to maternal, prenatal and pediatric health care services. Must live in Minnesota, have a nutritional need as determined by WIC staff, be a child under 5, a new mom, or a pregnant or breastfeeding woman. Income limit of 185% FPL.

MinnesotaCare

www.bridgetobenefits.org Dental services, doctor and health clinic visits for preventive and non-preventive care, emergency room visits, inpatient hospital coverage. Must be U.S. citizens or qualified aliens and live in Minnesota. Must have been uninsured in the last 4 months unless the insurance was Medical Assistance or paid for more than 50% of premium of employer-based insurance. Income limits for the following: Adults without children: 250% FPL. Parents of children under 21, pregnant women, and children under 21: 275% FPL.

Medicare

www.medicare.gov - Medicare offers Part A, inpatient care in hospitals and rehabilitative centers; Part B, doctor and some preventive services and outpatient care; Part C allows Medicare benefits through private insurance (Medicare Advantage); Part C includes Parts A, B, and C not covered by Medicare. Part D covers prescription drugs. MinnesotaHelp.info is a Medicare counseling service. Pre-Existing Health Conditions Covered Must be U.S. citizen or permanent U.S. resident, and: 1) If 65 years or older, you or your spouse worked for at least 10 years in Medicare-covered employment, or 2) You have a disability or end-stage renal disease (permanent kidney failure requiring dialysis or transplant) at any age

Health Coverage tax Credit

www.irs.gov (keyword: HCTC) Inpatient and outpatient care (lab tests, x-rays, etc.), Doctor visits, Preventive and major medical care (surgery, physical therapy, Durable medical equipment, etc.), Mental health and substance abuse care, and Prescription drugs Must be receiving TAA (Trade Adjustment Assistance), or Must be 55 years or older and receiving pension from the Pension Benefit Guaranty Corporation (PBGC). Must not be enrolled in certain state plans, or in prison, or receiving 65% COBRA premium reduction, or be claimed as a dependent in tax returns. Must be enrolled in qualified health plans where you pay more than 50% of the premiums.