Definition: The state of Minnesota Health Insurance (SMHI) provides medical coverage to all residents of the Twin Cities region, including hospitals, clinics, and home health agencies. SMHI covers a wide range of services offered by Minnesota's healthcare facilities. These include primary care, preventive care, emergency care, rehabilitation services, and specialty care such as oncology, endocrinology, and cardiology. The coverage under SMHI is typically provided through an out-of-pocket maximum (OOPM) fee, which means that patients can pay for services only up to a certain amount. The maximum fee varies by location and type of service. SMHI also includes various supplemental plans that provide additional benefits or services beyond the primary plan. For example, some plan offers dental care coverage, while others include vision insurance or prescription drug coverage. Overall, SMHI provides access to health care services at no cost unless a premium is paid, in which case patients have the option of purchasing an OOPM plan through their employer or providing additional contributions from their own funds.