Missouri Health Insurance
If you’re a resident of Missouri and in the market for a health insurance policy, there are a number of health insurance options. With multiple health insurance companies to compare plans between, you’ll find a plan to fit your budget and health care needs.
You can review top Missouri insurance companies and obtain key information regarding the various health insurance rules, regulations, and laws that are enforced in Missouri. Also find information on what type of financial assistance may be available to eligible individuals and what public health insurance plans are offered by the state.
If you’re not a current resident of Missouri, search health insurance by state here.
To compare Missouri health insurance quotes, fill out the quote form below.
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Missouri Health Insurance Stats
Missouri Residents: 5,915,000
Median Annual Household Income: $48,058
Missouri Health Care Expenditures (in millions): $40,331
Households with at least 1 full time worker: 2,658,300
Missouri Health Insurance Coverage based on Total Population (%):
- Employer: 50%
- Individual: 6%
- Medicaid: 14%
- Medicare: 14%
- Uninsured: 14%
Avg. Monthly Missouri Individual Premiums: $197
Total Missouri HMO Enrollment: 756,621
There are few Missouri health insurance laws that govern the private insurance market.
Missouri health insurance plans in the state are guaranteed renewable, which means coverage cannot be canceled just because a plan member gets sick or injured.
The state's laws require all Missouri health insurance plans to provide coverage for certain medical services. The mandated services include:
- Patient care for clinical cancer trials
- Screening for breast, cervical, prostate, and colorectal cancer
- Diabetes care
- Care for pregnant women
- Hearing screenings for newborns
- Vaccinations for children
Missouri health insurance law also requires mental health parity,which means mental health conditions must have the same coverage limits and maximums as physical conditions.
Missouri health insurance companies look at an applicant's health status before accepting them for coverage. Residents in Missouri who are turned down for a health plan because of their health status may get coverage through the Missouri Health Insurance Pool (MHIP).
But if a Missouri resident recently left an employer's group health plan and is HIPAA-eligible, they cannot be turned down for coverage. Missouri health insurance companies are also not allowed to impose waiting periods or exclusion periods for coverage.
Low-income residents have access to health insurance and health care with these Missouri health insurance financial aid programs:
- Medicaid (MO HealthNet)
The Medicaid program in Missouri is called MO HealthNet. It provides some low-income residents and disabled citizens free health insurance coverage. MO HealthNet also has a program that provides coverage for children living in low-income families. To learn more about MO HealthNet, visit http://www.dss.mo.gov/fsd/msmed.htm.
- MC+ For Kids
MC+ is actually the Medicaid program for low-income families in Missouri. MC+ For Kids is the state's Children's Health Insurance Program (SCHIP), which provides low-cost or free health insurance for children who do not qualify for Medicaid. To learn more about these Missouri health insurance programs for children, visit http://www.mcplus.org/.
- Show Me Healthy Women
In Missouri, the Show Me Healthy Women program offers free mammograms and cervical cancer screening. Women diagnosed with cancer through this program can receive full health benefits through Medicaid (MO HealthNet). Learn more about this Missouri health insurance program for women here.
- Missouri Medicare
Seniors can find Missouri health insurance through Medicare Advantage, Supplement and Original Medicare.
Some residents of Missouri also can receive the Federal Health Coverage Tax Benefit, which pays for 65 percent of health plan premiums. Find out more here.
Find out more about Missouri health insurance programs here.
Residents in Missouri with pre-existing conditions will be able to get health insurance from the temporary high risk pools established under the Patient Protection and Affordable Care Act.
The high risk pool will be known as the Missouri Health Insurance Pool (MHIP) and will act much like the regular Missouri health insurance plans. These plans will require enrollees to pay monthly premiums and out-of-pocket costs.
People in the Missouri Health Insurance Pool will pay around the same amount that individuals without medical conditions pay for insurance. The monthly premiums for coverage will start at $243 for ages 0 to 12; $370 for ages 18 to 29; $447 for ages 30 to 39; $501 to $972 for ages 40-64. The $1,000 deductible must be met before health insurance coverage kicks in. There is also a $5,950 out-of-pocket limit with the plan.
Those who are eligible for the Missouri Health Insurance Pool will have coverage for prescription drugs, hospital and doctor visits, emergency services and more.
Individuals may apply for the Missouri program if they are a United States citizen, have a pre-existing condition and have been without insurance for six months.
For more information on the Missouri health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer Missouri health insurance plans:
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
As one of the biggest names in health insurance, Anthem Blue Cross and Blue Shield offers Missouri residents comprehensive health insurance benefits for affordable rates.
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
As a non-profit insurance company, BCBS Kansas City provides a wide variety of health insurance plans with superior customer service.
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Group Health Plan Incorporated first specialized in providing health coverage for organizations and businesses. Today, they offer affordable options for individuals, families, and seniors.
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Mercy Health Plans, part of the Sisters of Mercy Health System which was founded in 1871, is a trusted name in health care that provides coverage to over 250,000 members with 3,400 employers.
Started in 1978, IAC offers management services to large companies who self-insure.
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
United Security Life squarely focuses their products for individuals and families. For almost 15 years, United Security Life has been providing affordable and comprehensive individual health plans.
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Missouri Department of Insurance, Financial Institutions and Professional Registration and Department of Health and Senior Services
Find the contact information for the Missouri health insurance and health and senior services departments at:
301 West High Street, Room 530
Jefferson City, MO 65101
P.O. Box 690
Jefferson City, MO 65102-0690
Phone: (573) 751-4126
P.O. Box 570
Jefferson City, MO 65102
Phone: (573) 751-6400