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Health Insurance

We are MNsure Certified.

Carrying health insurance is a vital aspect of your day-to-day life. It allows you to have peace of mind in knowing that you are covered in case you or an immediate family member becomes injured, sick, or diagnosed with a serious disease.

While a portion of individuals are covered under an employer-sponsored plan, and others qualify for Medicare, everyone else under age 65 should purchase qualifying health coverage for themselves. If you fall into that "everyone" else category, there is no need to panic… you do not need to navigate the overwhelming world of health insurance on your own. We are here to help!

Our licensed agents at Retka Insurance are MNsure Certified and here to assist you in navigating all your coverage options and qualifying plans. We can provide one-on-one enrollment help, assist with filling out paperwork, determine if you qualify for tax credits, and ultimately get you covered under a health insurance plan that will work with your needs and budget.

Contact us today to learn more and let us assist you during the open enrollment period.

MNsure logo

What is MNsure?
MNsure is the name given to Minnesota's health insurance marketplace, where all health plans are guaranteed to meet the baseline standards outlined by the Affordable Care Act. It is a one-stop shop platform that allows Minnesota residents to shop, compare and select health insurance coverage. MNsure is also the only resource where you can apply for financial help to lower your premiums / related health expenses.


— Start the Search for the Right Health Care Plan for You —
(click a link or logo below)

Get An Individual Quote

IHC Group Short-Term Health & Quoting System

Shop Short-Term Health with United HealthCare by GoldenRule Insurance

Medicare Planning Made Easy

Medicare is a puzzle of PART A, PART B, PART C, and PART D. It sure can get confusing being PART of the Medicare system; let us make it easier by being PART of your Medicare Plan.

Retka Insurance Center specializes in expert Medicare planning assistance — answering all your questions, searching for the right plan to fit your specific needs, and even helping you complete paperwork. Whether you are already Medicare eligible, or are quickly approaching that golden number, let us put our insightful experience to work for you.

Our independent insurance agents at Retka Insurance Center can simplify the Medicare process, acting as your personal guide.

  • When do I sign up for Medicare?
  • How do I sign up for Medicare?
  • What if I am still working and have employer coverage?
  • Will I be penalized for delaying Medicare coverage?
  • How do I determine which plan is right for me?
  • What are the costs and deductibles?
  • I already have Medicare; do I need anything more?
Sample Medicare Insurance Card

Image Courtesy medicare.gov

We can answer the above questions and many more. The carriers we represent have competitive rates, our agency has the flexibility to quickly compare a number of Medicare options and present you — in simple terms — with the most suitable plan for your situation.

Medicare planning can be confusing, time consuming, and stressful; but there is no reason to stress when Retka Insurance Center is here to help. We are Medicare experts so you don’t have to be, contact us today and let us be PART of putting your Medicare puzzle together.

— Start the Search for the Right Medicare Plan for You —
(click a logo below)

Medicare Insurance Direct

Please Note: The above comparison / quoting resources do not provide all of the plan options available to you. For a more accurate listing of your available Medicare options we encourage you to contact our office to schedule a free, no-hassle appointment.


Medicare: Getting to the Basics

What is Medicare?

Medicare is a federal health insurance program designated for individuals 65 and older, as well as for younger individuals who qualify due to a disability, End-Stage Renal Disease, or other special circumstance.

The 4 Parts of Medicare

Medicare Part A (Hospital Insurance)
Covers inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.

Medicare Part B (Medical Insurance)
Covers certain doctors' services, outpatient care, medical supplies, and preventive services.

Medicare Part C (Private Insurance Option)
Part C plans are offered through private insurance companies and approved by Medicare. They are also known as Medicare Advantage or Medicare Health plans. Before enrolling in a Part C plan, you must first enroll in Original Medicare Parts A and B.

Medicare Part D (Prescription Drug Coverage)
Part D adds prescription drug coverage to:

  • Original Medicare
  • Some Medicare Cost Plans
  • Some Medicare Private-Fee-for-Service Plans
  • Medicare Medical Savings Account Plans

Dental / Vision Coverage

When it comes to your health, every area can have a huge impact on your overall well being, including oral and vision care. Retka Insurance Center understands just how important these two areas of health care are and has taken steps to provide you with coverage options.