Missouri Health Insurance
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According to the Center for Disease Control, an average of 10.9% of Missouri residents went uninsured for Missouri health insurance each year between 2001 and 2003.
Free Health Insurance Quotes
To get free quotes on Missouri health insurance, enter your zip code into the form below.
Missouri Health Insurance Regulations
All Missouri health plans through employers cannot deny or limit benefits to individuals employed by that business. Individuals in Missouri, however, can be denied access to Missouri health insurance based on age or health. If an individual is eligible for the Health Insurance Portability and Accountability Act (HIPAA) he or she cannot be denied access to Missouri health insurance and any medical insurance company must give such individuals designated options for health insurance.
Pre-Existing Regulations
Most Missouri health insurance companies can have pre-existing exclusion periods for any condition claimed under the policy during the first two years of the plan. If an individual makes a claim, the Missouri health insurance company can look to see if that condition existed prior to the beginning of the plan and if so, can refuse to pay the claim. Missouri health insurance policies can also carry elimination riders that can permanently exclude certain medical conditions from coverage under the policy.
Pregnancy Regulations
Pregnancy may be considered a pre-existing condition in some cases. No Missouri health insurance policy can impose pre-existing restrictions on HIPPA eligible individuals. No Missouri health insurance policy has to give credit for pre-existing conditions that were covered under previous policies.
Guaranteed Renewable Regulations
All individual Missouri health insurance plans are guaranteed renewable which means that an individual is guaranteed the right to renew an existing Missouri health insurance plan as long as that individual has paid all premiums on time and has not provided any false information. Missouri health insurance rates can change after each plan and can vary based on an individual’s age, health and risk factors.
Newborn Regulations
All newborns and adopted children are covered under the parent’s individual health insurance policy if that policy covers dependents. This coverage is automatic for the first 31 days after birth or adoption. After the initial period of coverage, however, adjustments to the Missouri health insurance policy must be made. Handicapped and Disabled children can remain under the parent’s Missouri health insurance policy beyond the time limit of most dependents.
For those individuals between jobs or health insurance plans, temporary Missouri medical insurance can be purchased through some companies.
Alternative Missouri Health Insurance Options
For individuals who cannot afford Missouri health insurance or who might otherwise be considered “uninsurable” there are state programs that may help:
- Missouri Medicaid is available for qualifying individuals who meet eligibility criteria.
- Missouri Health Insurance Pool (MHIP) is the high-risk pool for Missouri health insurance. Those individuals who might otherwise be “uninsurable” for most Missouri medical insurance companies can buy into a group plan under the state. Some pre-existing condition periods may apply.
- Missouri Children’s Health Program (MC+ for Kids) is the Missouri Children’s health insurance plan designed to provide insurance for children under 19 whose families may not qualify for Medicaid and who otherwise may not be able to afford Missouri health insurance.
Information on Missouri Health Insurance
Missouri Medicaid:http://manuals.momed.com
www.dss.mo.gov
Missouri Health Insurance Pool: www.mhip.org
Missouri Children’s Health Insurance Program (MC+ for Kids): www.dss.mo.gov
www3.kclinc.org
www.healthinsuranceinfo.net
www.diabetes.org
www.healthinsuranceindepth.com
Missouri Department of Insurance
Missouri Department of Insurance: http://insurance.mo.gov
Mailing Address
PO Box 690
Jefferson City, MO 65102-0690
Consumer Affairs: 573-751-2640
Fax: 573-526-4898
Missouri Health Insurance Organizations
According to the Missouri Department of Insurance, the following is a list of Health Maintenance Organizations (HMOs) that actively sell health insurance in Missouri:
- AETNA HEALTH INC
- ALLIANCE FOR COMMUNITY HEALTH LLC D/B/A MERCY CAREPLUS
- BLUE CROSS & BLUE SHIELD OF KANSAS CITY
- BLUE-ADVANTAGE PLUS OF KANSAS CITY INC D/B/A BLUE-ADVANTAGE
- CHILDRENS MERCYS FAMILY HEALTH PARTNERS INC
- CIGNA HEALTHCARE OF OHIO INC D/B/A CIGNA HEALTHCARE OF KANSAS
- CIGNA HEALTHCARE OF ST LOUIS INC
- COMMUNITY HEALTH PLAN
- COVENTRY HEALTH CARE OF KANSAS INC
- COX HEALTH SYSTEMS HMO INC
- ESSENCE INC
- FIRSTGUARD HEALTH PLAN INC
- GOOD HEALTH HMO INC DBA BLUE-CARE INC
- GREAT-WEST HEALTHCARE OF KANSAS/MISSOURI INC
- GROUP HEALTH PLAN INC
- HARMONY HEALTH PLAN OF ILLINOIS INC D/B/A HARMONY HEALTH PLA
- HEALTHCARE USA OF MISSOURI LLC
- HEALTHLINK HMO INC DBA HEALTHLINK HMO
- HMO MISSOURI INC D/B/A BLUECHOICE
- HUMANA HEALTH PLAN INC
- MERCY HEALTH PLAN OF MISSOURI INC D/B/A PREMIER HEALTH PLANS
- MERCY MC + INC
- MISSOURI CARE LC
- UNITED HEALTHCARE OF THE MIDWEST INC
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