Health Insurance

Given today’s climate of economic and financial uncertainty, people know that finding affordable, quality Missouri health insurance is an important step towards securing peace of mind concerning the health and well-being of themselves and their loved ones. With the price of medical care and treatments continuing to climb at extraordinary rates, it is reassuring to know that people have a reliable source to call upon when they need Missouri health insurance quotes. And that source is insuranceUSA.com. In its most basic form, health insurance is simply an insurance plan which covers medical expenses, whether customary or emergency. It can also be expanded to cover long-term care or disability, depending on one’s needs.

The following article will provide information regarding the regulations of Missouri health insurance, both for individuals and small groups. It will also give fundamental information concerning COBRA, The Consolidated Omnibus Budget Reconciliation Act of 1986. This plan basically provides workers and their families who lose their health insurance coverage (usually through the loss of employment) the right to continue group health insurance benefits, most often at their own expense.

You will also find interesting statistical information which can help you compare the health of Missourin residents with the health of people from other regions of the country.

This article will provide you with all the information you need about Missouri health insurance and will enable you to choose the plan which is most suitable for your needs and circumstances. Once you have determined your choices, we at insuranceUSA.com are ready to assist you with health insurance quotes that will provide you with the coverage and satisfaction you both need and deserve.

Missouri Individual and Family Health Insurance
Individual and family health insurance plans in Missouri are not a guaranteed issue, but rather are medically underwritten. This means that Missouri health insurance companies offering medical insurance are allowed to review your current and past medical history and make their decision whether to approve or deny coverage based on the information which they receive. When you apply for health insurance, you will be required to complete a medical history fact sheet (both current and previous), give information relating to family medical history (parents, siblings, etc) and also answer life-style questions, such as smoking habits, if any, alcohol consumption, etc. This information, along with any pre-existing medical condition, is usually the determining factor in whether you are approved or denied coverage. Missouri health insurance companies are allowed to go back 5 years in determining medical history and they are also allowed to impose waiting periods for pre-existing conditions, some for up to 24 months. If you are approved for medical coverage and you have a pre-existing condition, you can expect to pay much higher premiums than those of a healthy individual. There is also the possibility of being denied any and all medical coverage due to the pre-existing condition. This is totally within the insurance company’s rights. The company may also offer coverage which includes a rider, which simply states that they will not cover any medical expenses which are related to the pre-existing condition. Missouri health insurance premium rates will vary and usually are based upon age, gender and the type of plan chosen.

Missouri Group Health Insurance
Missouri health insurance regulations considers a small group for insurance purposes to be a company with anywhere between 2 and 50 employees. Many companies will offer health insurance to their employees, but under Missouri health insurance law, they are not required to offer it to all employees. People who work part-time, or who do not live within the area the insurance covers, may not always qualify for the group insurance plan. If you do qualify for coverage, however, this means that you will have insurance through the group plan, regardless of your health. The employers can decide if there is a waiting period before an employee is covered. Group insurance plans may deny benefits for pre-existing medical conditions that you have been treated for within the last six months. However, if you are denied coverage for a pre-existing condition and if you had insurance before that provided coverage for the pre-existing medical condition, you may be eligible for continued care under the old policy.

Missouri COBRA Insurance
When a person is between jobs, Missouri health insurance options follow the federal COBRA guidelines. COBRA applies to companies with at least 20 employees on staff. An eligible employee may decide to continue their Missouri health insurance coverage through the COBRA plan for a maximum of 18 months. Extended periods of coverage are available for eligible dependents for 36 months, and disable persons for 29 months. COBRA is an extension of your previous Missouri health insurance through your employer, and if your employer discontinues the group plan, then your COBRA benefits will also end. However, if this happens, additional Missouri health insurance is available through the Missouri Comprehensive Health Insurance Association (ACHIA).

Missouri Health Information and Statistics
If you are in the market for quality Missouri health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Missouri ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Missouri are a moderate rate of uninsured population, a low incidence of infectious disease, and a high rate of high school graduation. Missouri also faces many challenges, such as low per capita public health funding, a high percentage of children in poverty, and a high prevalence of smoking.

According to a 2008 study, Missouri had some significant changes over the past year, including the percentage of children living in poverty increasing by 25% and immunization coverage decreasing by 9%. In the last five years, there was a 62% decline in the incidence of infectious disease. Since 1990, the prevalence of obesity has risen by 137%.

Following is a variety of statistical data related to living in Missouri, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Missouri health insurance.

  • Prevalence of Smoking-47th
  • Prevalence of Obesity-35th
  • Violent Crime-36th
  • Children in Poverty-45th
  • Air Pollution-34th
  • Cancer Deaths-39th
  • Lack of Health Insurance-21st
  • Prevalence of Binge Drinking-32nd
  • Infant Mortality-41st
  • Infectious Disease-21st
  • Premature Death-37th

Overall Rank: 38
Change: -3