MISSOURI HEALTH INSURANCE
Missouri fell one spot from its 2010 ranking, and is now ranked as the 40th healthiest state to live in, according to the 2011 America’s Health Rankings® by the United Health Foundation.
Missouri’s best and worst category rankings:
Early Prenatal Care – 10th
High School Graduation – 11th
Public Health Funding – 44th
Infectious Disease – 46th
Poor Mental Health Days – 49th
MISSOURI MEDICAL INSURANCE STATISTICS
Consider the following statistics about health care coverage in Missouri:
Total Missouri Residents – 5,823,298
Missouri uninsured residents – 12.61%
Total Missouri HMO enrollment – 776,182
Avg annual employee premium in MO employer-sponsored plan (after employer contrib): $956
Avg MO hospital cost per inpatient day (before insurance) – $1,768
MISSOURI HEALTH PLANS
AN INDIVIDUAL AND FAMILY HEALTH PLAN IN MISSOURI
A new Missouri private health insurance plan may be right for you if:
You are self employed
Your employer does not offer a group plan
You are enrolled in a group plan, but it does not cover spouses or dependents
You are enrolled in a health plan, but the premiums are too high
You are enrolled in a health plan, but your benefits needs have changed
AFFORDABLE MO INDIVIDUAL & FAMILY MEDICAL INSURANCE
If both you and your spouse or domestic partner are looking for a new health insurance plan, we recommend that you look up health insurance quotes both together and separately to find the plan that is most affordable for you. Depending on the health insurance company, Missouri individual and family health insurance rates for couples can be based on the age of the youngest person on the policy. Some couples with an age difference of several years may find they save money by applying for the same plan rather than individually. Couples that are only a few years apart might be able to reduce their total costs by applying for separate health insurance plans. If you decide to apply for a health insurance plan as a couple, make sure the plan you choose covers the benefits both of you need.
HEALTH INSURANCE COVERAGE FOR MISSOURI STUDENTS
When you’re healthy and rarely visit the doctor it’s easy to forget how important health insurance is until you actually need to use it. Minor injuries and emergency room visits can cost a lot to a college student on a budget. But one important point that most students forget is that they have more options than the average person when it comes to getting health coverage.Going without coverage is never a good idea, and your school may require you to have some form of coverage.
COVERAGE OPTIONS FOR MISSOURI STUDENTS
Stay on Parent’s Plan - if you are a fulltime student, you may be eligible to remain on your parent’s plan. It is easier since your parents will be handling thebills, but if you go to school out-of-state, your coverage levels may not be as robust as they would be in your home state. Also, your parent’s health insurance could be more expensive than other coverage options.
School Sponsored Plan - Some colleges offer their own health plan. Some common concerns with these plans is that they may not cover services off-campus or you can lose eligibility if you are a part-time student. Check to see if your school offers a health plan for its students.
Student Health Plan - These plans are for full-time students typically between 17-29 years old. The major advantage with this plan is that the coverage will travel with you wherever you go in the US. However, it may require you to pay your premium in a single lump-sum amount and it is not available in every state.
Individual and Family Plans - You can also purchase an individual and family health plan. Individual and family health insurance is a type of health insurance coverage that is made available to individuals and families and offers a range of coverage benefits depending on the actual plan you select.
Dependency Rules in Missouri
Federal Health reform law states that after September 23, 2010, children are allowed to stay on their parents’ insurance plan until age 26, whether or not they are enrolled in school. Certain states may have additional rules determining dependency eligibility. Check with the Missouri State Department of Insurance or your parents’ insurance carrier.
Missouri College / University Coverage Requirements
Some Missouri colleges and universities may require that students to have some form of health insurance coverage. You should check with the admissions office to determine if health insurance coverage is required.
Benefits / Advantages of Student Plan
Some benefits of a student plan include:
You’re covered all year, not just during the school year.
You’re covered no matter where you go. School-sponsored plans might only cover you within the state where you go to school. If you are on your parent’s health insurance plan and move out of state, you could run into the same issue.
If you transfer schools, you plan moves with you. This might not be the case for school-sponsored health plans.