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Missouri Health Insurance
Many people in Missouri today do not have access to a group insurance plan. This means that they must get healthcare coverage through an individual policy. This can become a balancing act between the high costs of premiums and the potential financial impact of a catastrophic illness. Even though individual policy premiums can take a bite out a budget, many people feel that having insurance and the corresponding peace of mind is well worth the costs. Individual healthcare policy holders need to know what their legal rights are and what the state of Missouri can do to help them to get healthcare coverage.
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Health Insurance in Missouri
Missouri's Individual Insurance Regulations include:
- In Missouri, insurance companies are entitled to turn down applicants for individual health insurance policies.
- Insurance companies can exclude a pre-existing condition permanently if they choose.
- If you have an individual health insurance policy, the only way that the policy can be cancelled is if you do not make your premium payments.
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Additional Health Insurance Programs from Missouri
- The Missouri Health Insurance Pool is designed to help those who are unable to get health insurance. Coverage includes inpatient out outpatient hospital care and physician care. MHIP will not cover pre-existing conditions that existed during the six months prior to the policy being issued. This can be waived under certain circumstances.
- MC+ for Kids offers children up to the age of 19 years old coverage for services including preventative care, hospital care, dental care, and prescription drugs. The total income of families is taken into consideration for qualification. In some cases, families must pay co-payments and premiums.
- Medical Assistance for Families provides medical assistance to children up to the age of 19 and their parents if the family meets certain income qualifications. Assistance covers services including dental care, vision care, outpatient hospital services, hospitalization, and preventative care.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
