Missouri Health Insurance

Keeping one’s family healthy and well-fed is a top priority for Missouri households, but this can be a major challenge when accidents occur. That’s why The Simple Dollar has drawn together a number of resources to help consumers learn more about health insurance in Missouri, so they can take full advantage of their policy and the options available to them. Read on to get started and brush up your knowledge on how healthcare works in the Show-Me State.

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Stats in Your State

We’ve compiled a handful of graphs to illustrate how health insurance costs in Missouri stack up against those found around the Midwest region, as well as some to illustrate the general state of health care in the state.

Chip Medicaid

More than 550,000 Missouri residents utilized Medicaid health insurance coverage in 2009, and over 100,000 children were enrolled in the state’s CHIP plan. The following year, contrary to trends across most of the country, those enrollment numbers had dropped from 672,000 to 654,000.

Individual Health Insurance Premiums

At $1,155 per month, Missouri’s health insurance premiums in 2011 for single-payer plans were the highest in the region and roughly $60 higher per month than the national average. Missouri’s extensive shipping and transportation industry, largely due to the state's location on the Mississippi River, make employer-based insurance plans slightly more expensive due to increased work hazards in those fields.

Family Health Insurance Premiums

Among family health plans for employer-based health care, Missouri ranked third in the Midwest region in 2011 for monthly premium cost. The average Missouri family paid roughly $90 per month more than the national average for health care services.

SAHIE Health Insurance Uninsured

From 2006 to 2010, the Census Bureau estimates that an average of roughly 730,000 residents per year went without insurance coverage in Missouri. In a state with a population of roughly 6 million, that means more than one out of nine residents went without insurance coverage through the 2000s.

Rules in Your State

The following rules and regulations make it easy to get a handle on how the health insurance industry is regulated, as well as your rights as a consumer. Use the links below to learn more about health insurance laws in Missouri. As always, if you feel your rights have been compromised, don’t hesitate to contact an attorney.

Rules in Missouri: Alcohol & Your Health Insurance

Despite Missouri’s laws that allow insurers to deny benefits if a claimant was intoxicated at the time of loss, Missouri requires health plans to cover treatment for alcohol-related disorders on the same level as medical or surgical conditions.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Missouri law specifically permits insurers to deny benefits for losses due to intoxication.
Health plans must offer and must cover treatment of alcohol-related disorders and provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
Health plans covering alcohol-related disorders may be subject to higher premiums, higher deductibles, and restrictive financial limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage.

Missouri Health and Health Insurance Rules

Mandated Health Insurance Coverage in Missouri: Unlike many states, Missouri mandates certain health insurance coverage options on all health care plans. Use the link above to learn more about these requirements.

General Provisions for All Insurers: Unfair Trade Practices: Missouri has defined a set of unfair trade practices that apply to all insurers. The link above grants access to the chapter of the legal code, while the links below list the specific prohibited actions which insurers may not use.

Health & Accident Insurance Standards : This link lays out the standards for health and accident insurance, and how insurers must conduct their business practices and structure their policies.

Representatives & Resources in Your State

At the resources linked below, readers can access key information on consumer advocacy options, and learn how to choose a good health insurance policy. Government-administered health plans and resources also provide support for low-income families and certain demographics who qualify for government support.

Missouri Department of Insurance
PO Box 690
Jefferson City, MO 65102-0690
Complaint Resource
The above link directs to the complaint resource where consumers can file formal complaints against insurance companies for unfair conduct or difficult claims practices.
Health Insurance Information
The Department of Insurance offers a good source of information for readers to learn more about health insurance, as well as different types of insurance in Missouri.

Missouri Department of Social Services
Broadway State Office Building
P.O. Box 1527
Jefferson City, MO 65102-1527
(573) 751-4815
Contact Information
The Department of Social Services provides support and assistance to children of families in need, victims of abuse, neglect, as well as disabled persons and seniors who have difficulty taking care of themselves, and other demographics who qualify for government assistance.

MO HealthNet for Kids: Missouri’s Children’s Health Insurance Program
The Missouri HealthNet for Kids provides health insurance coverage to children of low-income families in Missouri.