Comprehensive coverage
that meets any budget
The HealthPartners Traditional Plan offers two coinsurance options and six deductible levels from $2,000 to $10,000, which makes it easy to find a combination that will meet your budget. Choose the one that works best for you and your family.
Plan details:
- For a quick and simple look at the plan, check out the Traditional Overview and Summary of Benefits.
- If you want detail on all the additional plan benefits, like our health and wellness discounts and online tools once you’re a member, download the full 12-page Traditional brochure:
- Want an easy way to find out your rates for this plan? We’ll do the math for you. Click “Price Traditional Plans” at right, enter your information, and you’ll get a list of personalized monthly premium options for you and your family based on the current rates. From there, it’s easy to apply online.
What should I know before I apply for Traditional?
- You must be age 19 to 64 to be a policyholder on this plan.
- You must be a resident of Minnesota.
- This plan is for individuals and families, so dependents can be covered on this plan.
Monthly Premium |
Starts at $88 |
|---|---|
Deductible Options
|
Per Person $2,000 $3,000 $4,000 |
Deductible Options
|
Per Person $5,000 $7,500 $10,000 |
Preventive Care |
You pay nothing.
|
Office Visits
|
You pay 20 percent or nothing after the deductible is met.
|
Where can my family and I get care?
With HealthPartners, you can choose from more than 700,000 doctors and other care providers, and 5,800 hospitals throughout the United States. Plus, you’re covered when you travel in the United States. You can see any specialist in the network, with no referrals needed.
Have a favorite doctor or hospital? See if they’re covered in our Individual Open Access Network.
What about my prescription drugs?
As a HealthPartners member, you’ll have the advantage of our contracted discounts at more than 60,000 pharmacies nationwide. And with Traditional, drugs are covered after you reach your chosen plan deductible. Visit healthpartners.com/formulary and click on “Search PreferredRx” to see what drugs are covered.
How does the deductible work?
A deductible is the amount each individual or family pays per year for health care services before your insurance kicks in. Generally, higher deductible plans have lower monthly premiums, while plans with lower deductibles have higher monthly premiums.
Want to pay fewer expenses up front? A lower deductible plan might be your best option because your insurance coverage will go into effect sooner. Don't need to go to the doctor very often? A higher deductible may lower your monthly premium. Then, you only pay more if you have to go to the doctor. On the Traditional plan, if you have family coverage, at least three people on your plan must meet the individual deductible before the plan starts paying. If there are only two people on the plan, both must meet the individual deductible.
What is an out-of-pocket maximum?
The out-of-pocket maximum is the most you will pay for all of your health care during the year. On the Traditional plan, once you reach your out-of-pocket maximum each year, HealthPartners will pay 100 percent of your eligible medical expenses the rest of the year.