Young adults (18-to-24 years old) remained the least likely of any age group to have health insurance in 2003 - 30.2 percent of this group did not have health insurance.
Missouri Family Health Insurance (MO)
Call Now For A Free Quote
800-493-0719
*Quotes only - we do not have information about existing policies. We cannot guarantee coverage for a specific carrier or coverage in a specific state.
In Missouri there are several family healthcare regulations and guidelines helping to protect the health and well-being of your family, but when emergencies arise it is your healthcare coverage that will ease most of your concerns. Armed with the knowledge that you have thoughtfully chosen a reliable family health insurance plan from one of Missouri's many reputable health insurance carriers, you can rest a little easier when faced with a medical issue. Do yourself a favor - provide your family with the best healthcare available, and provide yourself some peace of mind.
Family Health Insurance Regulations and Programs in Missouri (MO) :
Missouri small business owners are eligible for group health plans but watch for variations in premium costs in regards to the number of employees. Self-employed residents, however, are not eligible for group plans.
If your family is covered under a group health plan, the state of Missouri limits exclusion of coverage for pre-existing conditions to 12 months prior to the start of effective coverage of your plan. Insurance companies can look at medical records up to 6 months prior. (The maximum exclusion time can be up to 18 months for late enrollees.)
Unless individuals meet the guidelines for Health Insurance Portability and Affordability Act (HIPAA), insurance companies may deny coverage for individual plans. Furthermore, for individual plans there are no limits to exclusion of coverage.
Missouri considers pregnancy a pre-existing condition but does offer alternative governmental options for pregnant women and mothers through the Department of Social Services.
The Missouri Health Insurance Pool (MHIP) offers affordable coverage for individuals previously denied coverage because of pre-existing medical conditions and those who want to purchase coverage but are unable to find a policy at a reasonable cost. Although the pool has no annual benefit cap, it does have a lifetime benefit maximum of $1,000,000 for all medical benefits except for treatment of alcoholism, drug abuse and chemical dependency, which actually have a lower cap of $25,000. There is no enrollment cap, but there is a waiting period of 12 months before coverage can begin for pre-existing conditions.
Family-Health-Insurance reviews insurance services to provide information on products and options, but is not an insurer or a licensed agency. Coverage and policies described on this site may not be available in all states.
