The Minnesota Health Plan (MHP) would be a single, statewide plan that would cover all Minnesotans for all their medical needs.
Equally important, it would reduce the need for costly medical care through public health, education, prevention and early intervention. There are currently over 260,000 Minnesotans without any health insurance, and at least a million more who have insurance, but still cannot afford to pay their medical bills due to co-payments, deductibles, and care not covered by their insurance, on top of their premiums! The MN Health Plan is the only plan that would eliminate the problem of un-insurance and under-insurance.
Under the plan, patients would be able to see the medical providers of their choice when they need care, and their coverage by the health plan would not end when they lose their job or switch to a new employer.
Dental care, prescription drugs, optometry, mental health services, chemical dependency treatment, medical equipment and supplies would all be covered, as well as home care services, and nursing home care. Consumers would use the same doctors and medical professionals, the same hospitals and clinics, but all the payments, covering all of the costs, would be made by the MHP, and everyone would be covered.
There would be no filing out of complex application forms, no worrying whether a provider is “in network” or not, no worrying about whether the treatment was covered or how you are going to pay for the drugs.
An illustration of this simplicity comes from the way COVID vaccinations were funded: no insurance was needed, there were no co-pays, no-deductibles, no “estimate of benefit” forms, and no bills. Nobody had to choose between paying for food or paying for the vaccine; nobody risked bankruptcy over their care. It was all funded by the government. The MHP would make this simplicity and fairness a reality for all care, not just COVID vaccines.
The Minnesota Health Plan would be prohibited from restricting, delaying, or denying care, or reducing the quality of care to save money, but would lower health care spending through prevention, efficiency and the elimination of paperwork. MHP would restore medical decision-making to the doctor and patient, removing health insurance staff from making treatment decisions. The plan would end not only access problems caused by cost, but also access problems caused by an inadequate number of health professionals and facilities around the state.
The plan would be funded by all Minnesotans, based on the ability to pay, and would cover all health care costs, replacing all premiums currently paid by employees and employers, as well as all co-payments, deductibles, all payments for care by the uninsured or under-insured, and all costs of government health care programs.
Although the Minnesota Health Plan is not cheap, it is significantly less expensive than our current system, and it would provide a full range of health care services to everyone, greatly improving the health of the population.