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Missouri Health Insurance

If you are looking for affordable Missouri health insurance quotes for you and your family? You have come to the right place. Just type in your zip code and we'll point you to Missouri health insurance plans you can fit to your health care needs.
40th Place in State Health Report Card

State Health Report Card

There are 963,000 adults in Missouri who smoke. But the rate has decreased from 27.2 percent to 21.1 percent in ten years. The number of children (under age 18) living in poverty has decreased from 23.8 percent to 20.5 percent in the span of one year. In 2001 this rate was at 10.6 percent. There are 429,000 adults in Missouri who have diabetes. This is an increase from 7.9 percent to 9.4 percent in one year. The number of obese adults have increased in five years from 26.9 percent to 31.4 percent. This means that there are 1.4 million adults in Missouri who are obese. The rate of deaths resulting from cardiovascular diseases have decreased from 381.1 to 301.9 in ten years.

Missouri Health Insurance Laws and Regulations

According to state law, Missouri health insurance plans are guaranteed renewable. This means that insurers cannot deny your application for renewal unless the policyholder was not able to adhere to the policy's terms. State laws require Missouri health insurance plans that cover dependents to cover unborn (or adopted) children for up to 31 days. Insurers in Missouri implement an exclusion for those with pre-existing condition. This means that if you have been diagnosed with an illness, it will not be covered. The pre-existing condition exclusion period ranges from six months to two years. If you switch to another insurer even after the exclusion period, the new insurer may apply their own exclusion period. There is no Missouri law that restrict insurers from rejecting applications based on certain factors. Missouri health insurance quotes also depend on the discretion of the insurers. Self employed individuals are not eligible to enroll in group health plans.    

State laws require Missouri health insurance plans that cover dependents to cover unborn (or adopted) children for up to 31 days.

Insurers in Missouri implement an exclusion for those with pre-existing condition. This means that if you have been diagnosed with an illness, it will not be covered. The pre-existing condition exclusion period ranges from six months to two years. If you switch to another insurer even after the exclusion period, the new insurer may apply their own exclusion period.

There is no Missouri law that restrict insurers from rejecting applications based on certain factors. Missouri health insurance quotes also depend on the discretion of the insurers.

Self employed individuals are not eligible to enroll in group health plans.

State Government Insurance Programs Offered

Missouri Health Insurance Pool (MHIP) www.mhip.org

800-821-2231

Hospital, physician care, maternity, prescription drugs, some limitations on alcohol and drug abuse care. For most services, plan will pay for 80% of covered charges after you satisfy your annual deductible if you receive care in-network. After paying maximum amount of coinsurance charges for covered in-network services, MHIP will pay 100% of your covered charges for the rest of the calendar year. MHIP: Must be a Missouri resident with a qualifying health condition and show proof of one of the following: 1) Rejection for health coverage by an insurers for pre-existing condition; 2) Offer of coverage similar to but at rates higher than MHIP’s coverage; 3) Involuntary loss of coverage for a reason other than non-payment of premium or fraud; 4) Being a dependent of a person eligible for MHIP; 4) Eligibilty for HIPAA or Trade Adjustment Assistance. PCIP: Must be a Missouri resident, be uninsured for at least six months, and show proof of the following: 1) Lawful presence in the United States; 2) Having a pre-existing health condition.

MO Healthnet (Medicaid)

888-275-5908 573-731-3425

www.dss.mo.gov/mhd Inpatient and outpatient hospital care, Laboratory and x-rays, Physician’s services, Emergency ambulance, Audiology, Podiatry, Ambulatory surgical services, Durable medical equipment, Prosthetics and orthotics, Vision care, Family planning, Rehabilitative services and therapies, Midwife services, Federally qualified health centers or rural health clinics, Psychiatry, Transplants, Home and community based services, Waivers to person 65 and older, Persons with AIDS, or developmentally disabled individuals, Early and periodic screening, diagnosis and treatment (EPSDT) for children under 21 years old. Pre-Existing Health Conditions Covered Must be U.S. citizen or an eligible qualified non-citizen living in Missouri. Income limits: Infants ages 0–1: 185% FPL. Children ages 1–5: 133% FPL. Children ages 6 –18: 100% FPL. Parents/caretakers living with children ages 0–18: 25% FPL. Pregnant women: 185% FPL. Aged, blind, and disabled: 85% FPL with asset limit of $1,000 for singles and $2,000 for couples. Limited assets such as cash, savings, stocks and bonds.

Children and Youth with Special Health Care Needs Program (CYSHCN)

573-751-6246 800-451-0669

Children and Youth with Special Health Care Needs Program (CYSHCN) health.mo.gov Search: (Children Special Health Care Needs) Limited coverage includes Tests and evaluations, Inpatient care, Surgery, Therapy (physical, occupational, speech, language), Prescription medicines, Equipment, and supplies. Covered conditions include but are not limited to arthritis, Burns, Cerebral palsy, Cleft lip and palate, Cystic fibrosis, Digestive disorders, Ear infections (chronic), Hearing disorders, Heart disorders, Hemophilia, Hydrocephalus, Neuromuscular disorders, Orthopedic disorders, Paraplegia, Quadriplegia, Seizures, Sickle cell disease, Spina bifida, Spinal cord deformities, Traumatic brain injury, Urinary disorders. CYSHCN is payer of last resort. The program‘s service coordinator will assist the participant/family with resource identification and referral. All third party liability must be exhausted prior to accessing CYSHCN funds. Must be age 0–21, and reside in Missouri, with income limit of 185% FPL and a eligible special health care need.

MO HealthNet for Kids (MHK)

888-275-5908

www.dss.mo.gov (Search: MHK) Comprehensive care including but not limited to doctor visits, mental, dental, prescriptions, hospitalization and more. Must be a U.S. citizen or an eligible qualified non-citizen living in Missouri. Income limits: Infants age 0–1: 185% FPL. Children ages 1–5: 133% FPL. Children ages 6–18: 100% FPL. Children ages 0–18 with no prior health insurance in the last 6 months: 300 % FPL.

Women-Infant- Children (WIC)

573-751-6204 800-392-8209

www.dhss.mo.gov/wic Nutrition education and services, breastfeeding promotion and education, monthly food prescription of nutritious foods, and access to maternal, prenatal and pediatric health-care services. Pregnant women, non-breastfeeding postpartum women (up to 6 months after delivery or termination of the pregnancy), breastfeeding women (up to 1 year after delivery as long as they are breastfeeding the baby), children age 0 to 5, and individually determined to be at “nutritional risk” by a health professional. Income must be at or below 185% FPL and live in Missouri.

Show Me Healthy Women

573-522-2845

Offers screenings for breast and cervical cancer. Pelvic exams, Pap tests, clinical breast examinations (CBE), diagnostic breast and cervical exams, and mammograms. Must be U.S. citizens or legal permanent residents and live in Missouri. Income limit of 200% FPL. Must be women ages 50–64, or older without Medicare Part B. Women ages 35–49 are eligible for pelvic exams, Pap tests, clinical breast examinations (CBE), diagnostic breast services if CBE results are suspicious for cancer, and diagnostic cervical services if their initial/follow-up Pap test was abnormal. Women ages 50 and older get all benefits above plus mammograms. Cervical cancer screenings are offered to women who have had a hysterectomies. Treatment is available for U.S. citizens diagnosed with cancer through the Show Me Healthy Women program. Women with MO HealthNet, Medicare Part B or HMO health coverage are not eligible. WISEWoman: Must participa

WISe Woman

573-522-2845

www.dhss.mo.gov/WISEWOMAN Offers health screenings and lifestyle education that can reduce the risk of heart disease and stroke. Must participate in the Show Me Healthy Women breast and cervical cancer control project and be 35–64 years old

Medicare www.medicare.gov

800-633-4227

Medicare offers Part A, inpatient care in hospitals and rehabilitative centers; Part B, doctor and some preventive services and outpatient care; Part C allows Medicare benefits through private insurance (Medicare Advantage); Part C includes Parts A, B, and C not covered by Medicare. Part D covers prescription drugs. Senior Rx is a prescription discount program. Medicare: Must be U.S. citizen or permanent U.S. resident, and: 1) If 65 years or older, you or your spouse worked for at least 10 years in Medicare-covered employment, or 2) You have a disability or end-stage renal disease (permanent kidney failure requiring dialysis or transplant) at any age. Senior Rx: To qualify for Senior RX you must have Medicare Part D. If you are single your income must be at or below $21,660 and if you are a married your income must be below $29,140

VA Medical Benefits Package

877-222-8387

www.va.gov Comprehensive preventive and primary care, outpatient and inpatient services. ”Veteran status” = active duty in the U.S. military, naval, or air service and a discharge or release from active military service under other than dishonorable conditions. Certain veterans must have completed 24 continuous months of service.

Heath Care Reform

Young adults in Missouri can now stay under their parent's policy. The new health law mandates health insurance companies to allow parents to keep their children in their policy until age 26. 39,667 young adults in
Missouri have benefited from this plan (as of June 2011).

Because of the new law, Medicare members no longer need to worry about their extra prescription cost. Once they reach the donut hole in 2010, they are sent a check or a $250 rebate.  83,274 seniors in Missourihave received the rebate to offset the cost of their prescription drugs. A 50 percent discount was also given for brand name drugs once they've hit the donut hole. This resulted to an average savings of $46,763,813 for Missouri Medicare members. The Affordable Care Act aims to close the donut hole by 2020.

One of the provisions of the health care reform is to provide preventive care services free of charge for Medicare members and free from cost-sharing for those enrolled under private plans. In 2011, 729,809 Medicare members and 1,102,000private plan members in Missouri have received free preventive care services like colonoscopies and mammograms.

The new health law protects consumers' money through the medical loss ratio which mandates insurers to spend 80 percent of their premium dollars on medical care and only 20 percent on administrative costs. 1,623,000
Missouri residents are now able to maximize their premium.

Health insureres who want to increase their premium rates by at least 10 percent are required to share with the public the details of their need to increase. A $1 million  fund was given to Missouri to help fight unreasonable premium increases.

Insurers are no longer allowed to impose a lifetime limit on their members' benefits. 2,148,000 Missouri residents are now free from having lifetime limits on their coverage. Patients with chronic diseases don't have to worry about maximizing their limit because of their accumulating medical costs.

Through the Pre-Existing Condition Insurance Plan, Missouri residents who have pre-existing condition can now have affordable coverage. As of 2011, 1,031residents now have a Missouri health insurance. Without this provision, they would still find themselves paying for costly Missouri health insurance quotes or remaining uninsured.

Missouri has received a $11.6 million  grant to develop more health programs and policies. They have also received $49 million to create more health centers and to improve existing centers and the quality of health care delivered.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Because of the new law, Medicare members no longer need to worry about their extra prescription cost. Once they reach the donut hole in 2010, they are sent a check or a $250 rebate. 83,274 seniors in Missourihave received the rebate to offset the cost of their prescription drugs. A 50 percent discount was also given for brand name drugs once they've hit the donut hole. This resulted to an average savings of $46,763,813 for Missouri Medicare members. The Affordable Care Act aims to close the donut hole by 2020.
One of the provisions of the health care reform is to provide preventive care services free of charge for Medicare members and free from cost-sharing for those enrolled under private plans. In 2011, 729,809 Medicare members and 1,102,000private plan members in Missouri have received free preventive care services like colonoscopies and mammograms.
The new health law protects consumers' money through the medical loss ratio which mandates insurers to spend 80 percent of their premium dollars on medical care and only 20 percent on administrative costs. 1,623,000 Missouri residents are now able to maximize their premium.
Health insureres who want to increase their premium rates by atleast 10 percent are required to share with the public the details of their need to increase. A $1 million fund was given to Missouri to help fight unreasonable premium increases.
Insurers are no longer allowed to impose a lifetime limit on their members' benefits. 2,148,000 Missouri residents are now free from having lifetime limits on their coverage. Patients with chronic diseases don't have to worry about maximizing their limit because of their accumulating medical costs.
Through the Pre-Existing Condition Insurance Plan, Missouri residents who have pre-existing condition can now have affordable coverage. As of 2011, 1,031residents now have a Missouri health insurance. Without this provision, they would still remain uninsured.
Missouri has received a $11.6 million grant to develop more health programs and policies. They have also received $49 million to create more health centers and to improve existing centers and the quality of health care delivered.