Health Insurance Carriers in Missouri (MO)
Missouri has its own ways of regulating health insurance. We have gathered together some of those regulations below to assist you in your quest for the perfect policy. Check out the links as well and see what options are available to you.
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Health Insurance Providers in Missouri
American Medical Security
Assurant Health (Formerly Fortis)
BlueCross BlueShield of Kansas City
BlueCross BlueShield of Missouri
Celtic
Clarendon National
Fairmont Specialty Group / TIG
Golden Rule
Security Life
Group Health Insurance in Missouri
- No eligible applicants may be turned down for coverage or charged more because of a health problem.
- Life changes related to family problems and job loss can affect opportunities for group health.
- Employers may require a wait period for new employees before offering coverage.
- Providers may review the medical history of the six months prior to acceptance for coverage in order to check for pre-existing conditions.
- Providers may impose an exclusion period for pre-existing conditions for up to 12 months.
- If coverage is maintained without breaks of more than 63 days, creditable coverage is available.
- Consult employer for more information.
Small Business Health Insurance in Missouri
- Small businesses with up to 50 employees may not be denied or cancelled due to health conditions within the employee groups.
- Limits may be imposed on the cost of premium based on the health of an employee group of 3 to 25.
- If the group is over 25 people, there are no limits on premiums.
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Self-Employed Health Insurance in Missouri
- The self-employed may not buy group health coverage.
- Contact the Missouri Department of Insurance for regulations regarding affiliation with a trade or professional association offering group health insurance.
Missouri Department of Insurance
P.O. Box 690
Jefferson City, MO 65102
(573) 751-2640
www.insurance.state.mo.us
Individual Health Insurance in Missouri
- Providers may deny coverage based on health problems unless HIPAA eligible.
- For the non-HIIPAA eligible, providers may attach an elimination rider, impose an exclusion period of up to 24 months, and review medical history for a pre-existing condition and refuse the claim based on their findings.
- Pregnancy is classified as a pre-existing condition.
- Providers are not required to offer credit for continuous coverage.
- There are no limits on the cost of premiums.
- Coverage cannot be cancelled due to illness.
- Conversion policies are available if group coverage was held for over three months, coverage was lost, and there is no access to new group insurance.
Missouri Health Care Programs
- The Missouri Health Insurance Program is the high risk pool for those who can not afford health insurance and have a costly health problem.
- Medicaid, MC+ for Kids, Show Me Healthy Women, and others through the Department of Social Services are statewide programs for low income residents.
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