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How much does coverage cost?
Most programs have copays for prescriptions and certain other services. Your health care provider will tell you if you owe a copay. There are no copays for:
Copays and limits are different for different programs. The Minnesota Health Care Programs benefit summary gives you an idea of costs you may have to pay.
Most MinnesotaCare enrollees pay a premium. A premium is the monthly payment enrollees must pay to start and keep health care coverage. How much you pay depends on your family size, income and the number of people getting coverage.
The MinnesotaCare premium estimator gives you an estimate of your monthly premium amount. We will tell you the actual amount when you are approved for coverage.
People who do not pay a premium include:
Medical Assistance for Employed Persons with Disabilities (MA-EPD) premiums
Most MA-EPD enrollees pay a premium. You can estimate your premium amount by using the MA-EPD premium estimator. We will tell you the actual amount when you are approved for coverage. American Indian enrollees do not pay a premium.
Spenddowns for Medical Assistance (MA)
Some people who have more income than the MA income limit can qualify using a “spenddown” . A spenddown is like an insurance deductible. This means you are responsible for some medical bills before MA pays.
Parental fees for MA-TEFRA and waiver services
For some children who have a disability, parents’ income is not counted when deciding if the child qualifies for MA. However, parents may have to pay a monthly fee. Parental fees are based on income and other factors. You can estimate the amount you may have to pay using the online parental fee estimator.
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