Why Should You Buy
The cost of
health care has risen drastically over the past few decades. If
you do not have Minnesota medical insurance to help pay
bills, a serious injury or illness can be financially
devastating to you and your family. The most recent studies on
bankruptcy show that approximately 50% of all personal
bankruptcies are due to serious illness. Even if you are
ill for only three to six months the bills for Minnesota
health care can total from $30,000 to $200,000 and much more
in some cases. If you don't have Minnesota health insurance
coverage you can be exposed to high health care bills; or, if
you have too little or the wrong kind of coverage, you won't
have enough protection. Add this to the bills you were unable to
pay while unemployed and it is easy to see how bankruptcy
What To Look For When Buying Minnesota Health Insurance
Do not sign an application for Minnesota Health Insurance until
you review it carefully to be sure the answers are complete
and accurate. Make sure that the word insurance is
actually used and that there is no disclaimer stating that,
This product is not insurance, nor is it intended to
replace insurance. There are hundreds of insurance scams
occurring around the country offering coverage for $50 to
$130 to cover the whole family. Don't get caught in a scam.
If its too good to be true, its too good to be true.
When you buy an Minnesota Health Insurance policy, make the
check payable to the company, not the agent. Always pay by
check or money order, and write your policy number on the
payment. Do not give the agent your bank account number for
automatic withdrawals until you have verified the agent and
Minnesota Health Insurance company background
Tips for Avoiding
Fraudulent Minnesota Health Insurance Plans
The best tool for avoiding fraud is your phone. Call your
Health insurance department and find out whether the
insurance agent and Minnesota Health Insurance company
are licensed in the state.
Fraudulent plans are most often sold through direct mail
solicitations, fax, radio ads or over the Internet, so be
especially wary when responding to these solicitations.
If an Minnesota Health Insurance policy costs far less than
what other companies are charging, this could be a warning
sign. Its a good thing to comparison shop, but if a policy
is significantly cheaper, beware. If it sounds too good to
be true, it probably is.
Beware of an Minnesota Health Insurance agent or company that:
Refuses to provide proof of state licensure.
Insists on cash payments or automatic withdrawal.
States this is a "one-time deal" or your
for special savings".
Boasts that the coverage is available to anyone,
regardless of history or risk.
states something is covered without showing you the
details in a company publication.
Tells you no
other company provides this coverage or that the only
other company is much more expensive.
they can sell you any company but only has company
publications for one company.
If you want
to check the status of any company you can do so through the
Minnesota State Insurance office or the National Association of
Insurance Commissioners (NAIC) at http://www.naic.org
At Allchoice, Inc. Insurance Agency our
goal and the goal of our agents is to always provide the best value health
available for you, your family or your business. Our motto is "Always do
what is right". If we cannot find a program for you we will refer you to
government agencies who may be able to help you find a solution. Our agents become your personal assistant in finding
the best health insurance for self employed, small business, medium size
business and corporations. You always have a dedicated agent to
assist you with the Minnesota Health Insurance plan you choose.
Low Cost MINNESOTA HEALTH INSURANCE,
We have many companies for Minnesota
Employed Health Insurance,
For Minnesota Families and Seniors we also provide Medicare
supplements, life insurance and disability insurance. We
represent many different insurance carriers so our Agency and
agents can provide the best value plan available for
individuals, families and small businesses.
There are many choices for
Plans. Whether you are an
Individual, Family or Business
there is a Minnesota Low Cost Health Insurance program to fit your needs.
Programs are available in Traditional, PPO, POS, HMO, HSA's (Health
Savings Accounts) or for Catastrophic occurrences.
You can use the instant quote buttons to get quotes from multiple
insurance carriers and programs. If you choose to call, we simply ask you questions
to determine your needs and provide you with health insurance quotes
from multiple Minnesota Health Insurance companies. We help you choose
the plan that best fits your needs. If you are looking for Minnesota
Health Insurance as an individual, family, small business,
group or are self employed we can find a Minnesota
Affordable Health Insurance plan to meet your budget.
Minnesota Short Term Health Insurance you can get an instant quote or
apply on line for temporary health insurance.
you are traveling there is an instant quote button for travel insurance.
If you have a non-resident relative visiting the U.S. they can apply for
insurance from their country by applying on line through the travel
insurance instant quote and application SRI button.
Where to find more information on
Minnesota Healthcare and Health
would like more information on healthcare you can go to the U.S
Agency for Healthcare Research and Quality at
complete review of
Minnesota Health Insurance guidelines for
Minnesota Individual Health Insurance,
Minnesota Group Health
Insurance, Cobra guidelines and more you can go to the
Georgetown University publication for
The publication is titled
Guide to Getting and Keeping Health Insurance in
and can be seen at
Allchoice, Inc. Insurance offers low
cost health insurance, healthcare plans, health savings
account, high deductible plans, life insurance, medicare supplements
and long term care with instant quotes. We serve the following
Minnesota communities; Cloquet, Coon Rapids, Glenwood, Granite
Falls, Luverne, Mankato, Minneapolis, Morris, Owatonna, Pine
City, Red Lake, Rochester, Roseau, Silver Bay, St. Cloud, St. Paul,
Wadena, Warren, and more.