Missouri Health Insurance

If you're looking for health insurance in Missouri, we advise you to be aware of state regulations that could affect the type of plans available to you, and what options you have if you have a preexisting condition or are changing carriers. Once you are more informed, let us help you request a quote for the type of policy that is right for you.

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Health Insurance for Missouri Individuals (MO)

If you're an individual seeking health insurance in Missouri, you should find it relatively easy to do so. You have three main options:

Group Policy (HMO, PPO, POS, or HSA network) - A group plan may cost less than acquiring individual coverage, but may also be less flexible.
Individual Health Insurance - Customizable, but more costly. Useful for those with unique health concerns.
Missouri Health Insurance Plan - This is a state-sponsored option for individuals who are considered high-risk because of a preexisting condition.

No matter which type of policy you choose, be sure to shop around, as different carriers have different rates.

Family Medical Coverage in Missouri (MO)

Your options for family medical insurance are similar to those for individuals. Group plans, such as HMOs and PPOs, can cover your entire household. Alternatively, you can acquire an individual plan for your family. This is useful if one or more family members have a specific health condition that needs to be covered.

Sometimes, employers will provide health insurance that covers the employee's family as well. However, there are some restrictions. For example, the company can choose not to offer you coverage immediately, and has the right to implement an exclusion period of up to 12 months if a family member has a preexisting condition. Check with your employer to learn more about your policy.

Also keep in mind that Missouri regulations provide that if you are eligible for group health insurance, your family cannot be turned down or charged more because of a health problem.

Ask for a health insurance quote in Missouri today!

Pre-Existing Conditions and Missouri Health Insurance

In the state of Missouri a health insurance company can deny you coverage for almost any reason. Preexisting conditions, including diabetes, osteoarthritis, fibromyalgia and obesity, are just a few of the reasons why health insurance companies may refuse coverage.

The Missouri Health Insurance Pool, which is supervised by the Missouri Department of Insurance, aids those people who cannot obtain health insurance by the usual means. People who have been turned down due to health reasons or preexisting conditions, people who were involuntarily terminated from their health care coverage, and people who are paying more than 300 percent of standard premiums for their health care coverage are all eligible. See the Missouri Department of Insurance for more information.

Changing Health Plans in Missouri

If you want to switch your health insurance plan, or have recently moved to Missouri, the process can be quite complicated. Here is a brief list of issues you could encounter:

Losing an Employee Health Plan

COBRA, or state continuation coverage – If you lose your employee health plan, COBRA may allow you to remain in your old plan temporarily.
Conversion policies – You may be able to purchase a conversion policy, which is an individual plan from the same company your employer used.

Waiting Periods for New Plans

A new employer is allowed to wait up to a few months to start your health benefits
You may be given an exclusion period if you have a preexisting condition