Health Insurance

Buying health insurance can be complicated. And, let's face it, medical treatments aren't cheap. Without health insurance you could end up paying off medical bills for the rest of your life. Lakeside Insurance can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more.

Types of Health Insurance in Minnesota

There are basically three major types of Minnesota health insurance policies to choose from: consumer-directed, fee for service, and managed care. These health insurance plans help cover your medical, surgical, and hospital expenses. They may even cover dental expenses, mental health services, and prescription drugs, depending on the coverage you choose.

Consumer-directed
A consumer-directed health plan (a.k.a. “consumer-driven” or “consumer choice”) is a newer type of healthcare plan that’s designed to give you more control. As part of the plan, you setup a health fund that can be used to cover medical expenses.
Fee for Service
A fee for service plan is a more traditional healthcare plan. It means you pay a fee to your provider for every healthcare service you receive. The benefit of this type of health insurance plan is that it allows for a lot of flexibility when choosing a physician or healthcare provider.
Managed Care
Members of managed care health plans generally enjoy more benefits like lower out-of-pocket costs. However, you can only receive treatment from physicians that participate in the managed care network. Typical managed care plans include health maintenance organizations (HMOs), preferred provider organizations (PPO), and point-of service (POS) plans.

Shared Health Alliance

Shared Health Alliance (SHA) is providing relief from the burden of high cost, low benefit health insurance - with savings from 40 to 60%. SHA combines essential insurance benefits and services with health share programs to bring you and your family a complete healthcare solution.

Some of the SHA benefits include:

Preventive Care - Covered at 100%. Primary office visits - $20 copay (max. 3 visits per year)
Urgent Care - $50 copay (max. 3 visits per year)
Copay Prescription Card - Covers most of the commonly prescribed drugs at a low member copay at over 54,000 pharmacies
Telemedicine - Unlimited use to free consult from a U.S.-based licensed doctor over the phone, tablet or computer who can diagnose non-emergent, medical conditions and prescribe medication when needed

Shared Health Alliance is ACA compliant, $500 deductible/member responsibility, and many more benefits including hospital, surgical, and ambulance coverage.

Sample Membership Ranges:

Single - $334/month*
Single +1 - $604/month*
Family - $850/month*

To learn more about Minnesota health insurance, call and talk with one of our agents today. We will help you find the plan that works best for you and your family.

*Includes estimated monthly membership fee for several different health share programs. Rates illustrated are based upon current published fees and are controlled by the Health Share Organization. SHA is paid separately from your health sharing program and can be used in conjunction with your health share program. You do not need to be a member of a health share to access benefits of SHA. Likewise, a SHA membership is not required to be a health share member.