What You Pay

You may have to pay a monthly premium for MinnesotaCare. The exact amount you pay depends on your family’s income and household size and the most you would have to pay is $80 per family member. Some people don't have to pay a premium, including children, American Indians, and households with income that is below 35% of the Federal Poverty Guidelines (FPG). Check MinnesotaCare’s premium table to see what your premium might be.

Generally, if you are 21 years old or older, you may have to pay a small $3.15 monthly deductible and copayments. Copayment amounts depend on the medical service you get. Here are some examples:

  • Nothing for preventive care
  • $6 for generic prescription drugs and $20 for brand-name drugs
  • $15 for nonpreventive office visits
  • $50 for an emergency room visit

View the complete list of copayments for different types of health care. For more information about copayment amounts, call the Minnesota Health Care Programs (MHCP) Help Desk at 1-651-431-2670 or 1-800-657-3739.

Note: American Indians in federally recognized tribes do not pay copayments or deductibles.

Example

Geraldine is on MinnesotaCare and each month pays a $25 premium. One hot day in early July, she feels weak and realizes she needs to go to the doctor. The doctor checks her out, says that Geraldine has a stomach flu, and prescribes her a medication that will help her feel better as she recovers.

Since this was Geraldine’s first usage of her MinnesotaCare coverage in July, she has to pay the $3.15 deductible. She also has to pay a $15 copay for the visit and a $6 copay for the medication.

Her total cost for the visit is $24.15. If she visits the doctor again in July, she will have to pay her copayments again, but not the $3.15 deductible.

Compared to Private Insurance

MinnesotaCare’s premium, deductible, and copayments are lower than the premium and copayments required by most private insurance plans. For example, many private insurance plans charge hundreds of dollars each month in premiums, have annual deductibles that require you to pay thousands of dollars before the plan will cover most services and, even after the deductible is paid, many private insurance plans require $50 or higher copayments for services.