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Affordable Health Insurance In Missouri

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Affordable Health Insurance In Missouri

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331

Summary:
Regardless of where you live in Missouri, if you don’t have a job that
offers a health benefits package, or if you don’t work at all, you’re
most likely going to have trouble finding affordable health insurance in
Missouri. The exceptions, of course, are those individuals who are
married and have spouses with excellent health benefits packages, or
those individuals wealthy enough to purchase individual health insurance
policies.

Some Missouri residents have trouble obtaini...


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Regardless of where you live in Missouri, if you don’t have a job that
offers a health benefits package, or if you don’t work at all, you’re
most likely going to have trouble finding affordable health insurance in
Missouri. The exceptions, of course, are those individuals who are
married and have spouses with excellent health benefits packages, or
those individuals wealthy enough to purchase individual health insurance
policies.

Some Missouri residents have trouble obtaining affordable health
insurance in Missouri for various other reasons. Some people find their
health insurance policies involuntarily cancelled, while others are being
charged more than 300% of the standard health care premiums. These
residents also probably need help obtaining affordable health insurance
in Missouri.

Missouri offers a special program to Missouri residents who are in these
kinds of situations. The program is called the Missouri Health Insurance
Pool (MHIP), and it’s governed by the Blue Cross and Blue Shield programs
of Missouri and of Kansas City. The MHIP isn’t an insurance company; it’s
an insurance program for Missouri residents that offers four kinds of
comprehensive and major medical health coverage.

You’re eligible for the MHIP if you don’t receive or aren’t eligible for
any other health care coverage; haven’t already received the maximum $1
million dollars in coverage from the MHIP; and haven’t been turned down
by other health insurance companies due to alcohol or drug abuse. For
more information, visit Missouri’s Department of Insurance Web site.

The MHIP works as a Preferred Provider Organization (PPO), and in order
to get the most from the program, members should stay within the PPO when
getting health care. The MHIP offers prescription drug and managed care
coverage. Although there is a “pre-existing condition” exclusion, there
are ways to get that exclusion waived. Other kinds of coverage, as well
as costs, depend on which of the four kinds of comprehensive and major
medical health coverage in which you’re enrolled.

				
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posted:11/3/2011
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