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Missouri health insurance
Health insurance is very important for every individual. This is irrespective of the age or gender of the person. It is especially important keeping in mind the spiraling costs in health care. If you are a resident of Missouri, we have all the information you need before you purchase a health plan for yourself.
According to recent surveys, only about 5% of residents in Missouri had health insurance. In recent years, the number of employer sponsored programs has also been on the decline. For this reason, there is an increasing tendency to go for individual health insurance plans, no matter how prohibitive they are regarding costs.
The state of Missouri allows medical underwriting to be practiced legally in the state. The look back period allowed is also unlimited. However, the exclusionary period has been fixed at a maximum of 24months.
The state also provides a high risk pool under the name MHIP. You may apply for coverage under this program if you are a resident of Missouri and have been denied coverage, or charged a higher rate for it, in the past six months. You are also eligible if you have exhausted your coverage under COBRA.
Group health insurance in Missouri (3-25 employees)
Around 44% of the total employers in Missouri offer health insurance to their employees. It is one of the states which have a lower rate of premiums compared to other states. Individuals under a group plan can expect to pay around $292 for a single coverage plan and around $765 for a family plan. Medical underwriting is also allowed and there is a 6 month look back allowed with a 12 month exclusionary period.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Missouri. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Missouri Medicaid plans
Medicaid plans are also offered in the state of Missouri. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Missouri also offers the MC+ or state children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top Missouri Health Insurance Carriers
Our service is the best way for you to secure the most suitable Missouri health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Missouri Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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