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Medica Health Insurance

Medica is a non-profit corporation founded by physicians in 1975. They provide health coverage to 1.3 million members from a network of 500,000 providers and 5,000 hospitals. Medica health plans are available to 98 percent of Minnesotans and in a growing number of adjoining counties in Wisconsin, North Dakota and South Dakota. They also provide best-in-class national network coverage to employers with employees outside their primary regional network. Medica commercial and Medicaid HMO plans have the highest accreditation status, "Excellent", from the National Committee for Quality Assurance (NCQA®).

Medica has for three decades helped inspire health care reform, improvement and innovation including:

  • Freedom of Choice.
  • Exceptional customer service.
  • A quality-first, member-first focus.
  • Innovative Patient Choice tiered network options.
  • Easy access to care and wellness programs.
  • Innovative preventive care programs that provide something for every member — promoting wellness, not just managing sickness, and improving the health of the communities they serve.

Competing Carriers

Medica Health Plans

They have a wide variety of health plans including Medica Direct HSA for Individuals, Medica Direct Value, and Medica Encore.

The Medica Direct HSA is a high deductible health plan that lets you save money in a tax-preferred optional health savings account (HSA). These funds help pay for deductibles and other qualified out-of-pocket medical costs. You pay lower monthly premiums and receive tax advantages, while getting prescription benefits, preventive care and major medical coverage. Deductibles range from $1,400 to $3,500 for individuals and $2,800 to $7,000 for families. Coinsurance options include 80% and 100%.

Medica Direct Value is a traditional plan with a wide array of deductible options ranging from $150 to $5,000 for individuals, and up to 3x more for families. With this plan, you get the advantage of Medica’s largest open access network of nearly 27,000 providers of all types at more than 4,000 offices, clinics, and hospitals. Deductibles range from $150 to $5,000 with most benefits paid at 80%.

Medica Encore is available on a self-only basis. This plan is designed for those 50-64 but it is available to those 3 months to age 64.  It is a high-deductible health plans that offers immediate coverage for preventive care. Deductibles range from $4,000 to $9,000 with 100% coverage after the deductible is met.