Missouri Health Insurance

Health Insurance Overview

Missouri residents have many options for health care coverage. There are numerous Missouri insurance providers to choose from, along with a variety of Missouri medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Missouri health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Missouri medical insurance from the best Missouri insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Missouri health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Missouri health insurance programs, and even details on some of the top Missouri insurance providers.

To compare specific Missouri medical insurance plans offered by the various Missouri insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Missouri health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Missouri health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Missouri? Find your state here.

Missouri Health Insurance Facts & Statistics

Total Missouri Residents – 5,914,600

Total Health Insurance Coverage In Missouri:
Employer – 50%
Individual – 6%
Medicaid – 14%
Medicare – 14%
Other Public – 1%
Uninsured – 14%

Average Individual Monthly Premiums – $197

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 23%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $1,155

Average adjusted hospital cost per inpatient day – $1,981

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Missouri Medical Insurance Laws, Regulations & Policies

There are several Missouri health insurance laws and regulations that are put in place to protect policyholders living in the state. Missouri medical insurance plans are guaranteed renewable, which means that insurance companies cannot cancel coverage if a policyholder gets sick or injured.

Missouri health insurance law requires all health plans to cover certain medical care services, including:

  • Patient care costs for clinical trials
  • Screening for breast, cervical, prostate, and colorectal cancer
  • Diabetes care
  • Care for pregnant women
  • Hearing screenings for newborns
  • Vaccinations for children
  • Contraceptives

Before accepting an applicant for coverage or setting monthly premiums, Missouri insurance providers will look at the applicant’s health status and history. Residents who are turned down for a health plan because of a pre-existing condition may get coverage through the Missouri Health Insurance Pool (MHIP).

Under federal law, if a Missouri resident recently left an employer’s group health plan, he or she is protected under HIPAA. This means that eligible employees cannot be turned down for new coverage, and Missouri insurance providers are not allowed to impose waiting periods or exclusion periods for coverage.

Also, state law requires Missouri insurance providers to follow mental health parity. This means that mental health conditions must have the same coverage as physical conditions, with maximums and limits set equally for both mental and physical conditions.

Missouri Health Insurance Resources

Missouri Department of Social Services

This website offers a comprehensive list of health care programs and services available in Missouri. Visit the website.

Missouri Foundation for Health

MFH seeks to empower the people of the communities it serves to achieve equal access to quality health services that promote prevention and encourage healthy behaviors. Visit the website.

The National Coalition on Health Care’s Information for Missouri

America’s oldest, most diverse, and broadest based group working to achieve comprehensive health system reform. Visit the website.

Cover Missouri

A project of the Missouri Foundation for Health to develop, publish and promote specific policy recommendations to increase the number of Missourians with health coverage. Visit the website.

Missouri Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents in Missouri with pre-existing conditions are able to get health insurance coverage through the Missouri Health Insurance Pool (MHIP). This works similar to regular Missouri health insurance plans and require enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in the MHIP program pay around the same amount that people without pre-existing conditions pay for health 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. For these plans, there is a $1,000 deductible that must be met before health insurance coverage kicks in, and there is also a $5,950 out-of-pocket limit. Those eligible for the Missouri health insurance program will have access to health insurance coverage for prescription drugs, doctor and hospital visits, emergency services, and more.

Individuals may apply for the Missouri plan if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Missouri health insurance high risk pool visit http://www.mhip.org/.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Missouri Medical Insurance and Health Care Programs

The state of Missouri offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    The Medicaid program in Missouri is known as MO HealthNet. It provides some low-income residents and disabled citizens health care coverage for no cost. MO HealthNet also has a program that provides coverage for children living in low-income families. To learn more about MO HealthNet, visit the website.
  • MC+ For Kids
    MC+ For Kids is part of the MO HealthNet Medicaid program for low-income families. This is also 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 the Missouri health insurance program for children, visit the website.
  • 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 medical insurance program for women here.
  • Missouri Medicare
    Seniors can find Missouri health insurance through Medicare Advantage, Medicare Supplement and Original Medicare.

Another health care assistance program is the Federal Health Coverage Tax Credit, which pays for 65 percent of insurance premiums for Missouri trade workers and early retirees.

Missouri Insurance Providers

Aetna Health Insurance

Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.

Anthem Blue Cross and Blue Shield of Connecticut Health Insurance

Anthem is one of the biggest names in health insurance—providing Connecticut residents with affordable health plan options and access to high-quality health care.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Blue Cross and Blue Shield of Missouri Health Insurance

BCBS of Missouri is the largest health insurance company in the state. It also has the largest care provider network including 23,000 physicians.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Group Health Plan Health Insurance

Group Health Plan Incorporated first specialized in providing health coverage for organizations and businesses. Today, it offers affordable options for individuals, families, and seniors.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Mercy Health Plans Health Insurance

Mercy Health Plans, part of the Sisters of Mercy Health System, is a trusted name in health care that provides coverage to more than 250,000 members with 3,400 employers.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

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 Health Insurance

United Security Life squarely focuses its products for individuals and families. For almost 15 years, United Security Life has been providing affordable and comprehensive individual health plans.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

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:

Missouri Department of Insurance, Financial Institutions and Professional Registration
Mailing Address:
P.O. Box 690
Jefferson City, MO 65102-0690

Office Address:
301 West High Street, Room 530
Jefferson City, MO 65101
Phone: (573) 751-4126

Missouri Department of Health and Senior Services
P.O. Box 570
Jefferson City, MO 65102
Phone: (573) 751-4126