Affordable- Health- Insurance- In- Missouri

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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 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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