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If you’re uninsured

Many uninsured Minnesotans can get tested for COVID-19 at no cost to them during the federal public health emergency. To get free coverage for testing, you must:

  • Be a resident of Minnesota
  • Be a U.S. citizen, U.S. national or lawfully present noncitizen with an immigration status that qualifies for Medical Assistance.
  • Provide your Social Security number unless you meet an exception for not having one.
  • Not be enrolled in any other health insurance.

Ask the health care provider administering your COVID-19 test for an application to cover the cost of the test. The provider will submit your application, and you’ll get a notice in the mail about whether it’s approved or denied.

Or, go online and print the application yourself from https://edocs.dhs.state.mn.us/lfserver/Public/DHS-7310-ENG and fill it out.

You can also call the DHS Health Care Consumer Support team at 651-431-3994 or 800-366-5414 to request an application be mailed to you.

The COVID-19 website provides easy access to your closest testing site, offers general information related to the COVID-19 outbreak, and provides an interactive screening tool to help you decide if you need a test.

If you have Medical Assistance or MinnesotaCare

If you get your health care coverage through Medical Assistance or MinnesotaCare, you pay no cost-sharing, including co-pays or deductibles, for the diagnosis, testing and treatment of COVID-19. health-care

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Need health care coverage?

Minnesota’s public health care programs provide health care coverage to Minnesotans with low to no income. We encourage anyone who needs health care coverage to apply to see if you qualify for Medical Assistance or MinnesotaCare, including those Minnesotans who had work hours reduced, have been furloughed or who have lost their jobs.

Medical Assistance is Minnesota’s Medicaid program. MinnesotaCare is a premium-based program for people who earn too much to qualify for Medical Assistance but make too little to pay for private insurance. Those who qualify for MinnesotaCare never pay more than $80 a month per person for their premium. The programs have income and asset limits that depend on your age, who you live with, and whether you are pregnant, blind or have a disability. They offer comprehensive coverage, including dental benefits and vision and behavioral health services.

How to apply

Most Minnesotans can apply for these programs online through MNsure, Minnesota's health insurance marketplace. Here are some tips for completing the MNsure online applicationLearn more about applying.

Some people should not apply through MNsure. These are typically seniors and people with disabilities:

Need help applying?

Health insurance is complicated stuff. You don’t have to figure it out on your own.

  • Connect with a navigator in your community to help you get enrolled. Navigators can help in several different languages. Search the directory for the language easiest for you in which to communicate.
  • Call the MinnesotaCare Office at 651-297-3862 or 800-657-3672 for help with questions or for a paper application.
  • Reach out to your local county or tribal office.
  • If you have a disability, contact the Disability Hub MN at 866-333-2466.
  • If you’re 65 or older, contact the Senior LinkAge Line at 800-333-2433.

Don’t qualify due to your immigration status?

Emergency Medical Assistance (EMA) provides coverage to undocumented Minnesotans who do not have an immigration status that qualifies for Medical Assistance. EMA covers medical conditions that left untreated within 24-48 hours will:

  • Place your health in serious jeopardy.
  • Cause serious impairment to your bodily functions.
  • Cause serious dysfunction to any of your organs or body parts.

Emergency medical conditions include labor and delivery. 

Emergency Medical Assistance may also cover some care and treatment for other conditions and services provided in other settings, including cancer, dialysis, kidney transplants, and care received in nursing homes, psychiatric residential treatment facilities, community settings and homes. 

You can apply for Emergency Medical Assistance through your local county or tribal office.

Ensuring access to care

The Department of Human Services made several temporary changes to make it easier for Medical Assistance and MinnesotaCare enrollees to keep their coverage and access care safely during the pandemic.

  • You will maintain your Medical Assistance or MinnesotaCare coverage through the duration of the COVID-19 peacetime emergency unless you move out of state or voluntarily request your case be closed.
  • You now have broader access to telemedicine: phone calls now qualify as a telemedicine visit, there is no limit on the number of telemedicine visits you can receive in a week, your first visit with a provider no longer needs to be done face to face, and you can now access more mental health and substance use disorder treatment through telemedicine.
  • You can now get a 90-day supply of many non-controlled prescription maintenance medications.
  • If you receive home- and community-based services under Medical Assistance, you can have your assessments conducted via phone or visit, and your case manager can conduct phone or video visits with you.
  • Your case manager can conduct phone or video visits for certain targeted case management services.
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