A Guide to Health Insurance in Missouri (MO)

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The key with Missouri Health Insurance is to make sure that you cover all bases when seeking out a good policy that can help you. This can involve both talking to friends and family regarding recommendations that they may have for health cover, and also doing your own research both online and with relevant insurance bodies like the Missouri Department of Insurance.


There are two primary reasons why securing a Missouri Health Insurance Plan is a MUST:

1/ So that you have immediate access to good health care exactly when you need it, without delays.

2/ To protect yourself financially against the potentially crippling costs of medical care.

The fact is that without insurance only a very small percentage of people would be able to afford to pay the costs for treating serious health conditions or illnesses, because many operations cost in excess of $100,000 dollars and even a single night spent in hospital can be billed anywhere from a few hundred to many thousands of dollars A DAY depending on which hospital you are being treated in and the level of care that you are receiving.

Plus of course if you are in a motor accident or an incident where you are not going to be in a fit state to argue your case for care, you want the hospital to be finding your health insurance card in your wallet so that you get the very best IMMEDIATE care, and are not shipped across town to a public hospital.

There is often a big disparity between what SHOULD happen in emergency cases in the US, and what ACTUALLY happens if you don’t have any health cover. So, getting Missouri Health Insurance is very much forward planning against the vicissitudes of life. Ultimately you want your destiny in your own hands, and not that of an ER nurse who after a 12 hour shift has to decide whether or not she is feeling charitable towards you, and having health insurance in Missouri does exactly that because it takes the decision out of her hands.


Special Missouri Health Care Laws


There are some special health care provisions which are specific to Missouri, such as for example the new Autism Law HB1311 which was signed on June 10th 2010, and came into effect on Jan 1st 2011.

This sets down that from that date onwards group health insurance plans in Missouri have to include coverage for children with a diagnosis of ASD (autism spectrum disorder) and offer psychological, psychiatric, physical and pharmaceutical care to treat the disorder. And that Individual Missouri Health Insurance has to now at least include the option to add-on autism cover into the policy.

In addition to autism, the general terminology of ‘autism spectrum disorder’ means that other conditions such as Asperger’s Syndrome, Rett’s Disorder, Pervasive Developmental Disorder and Childhood Disintegrative Disorder are also covered by the new legislation.

In addition, if you are having problems getting Individual Missouri Health Insurance, then you may want to try the Missouri Health Insurance Pool (MHIP) which was specifically designed to assist people who have any of the following five circumstances:

1/ Refused health insurance in the private market

2/ Terminated involuntarily from the cover that they have

3/ Are being charged greater than 300% of what the standard premium would be expected to be for health insurance in Missouri

4/ Are currently enlisted as eligible for HIPAA (Health Insurance Portability and Accountability Act)

5/ Qualify for the Federal Health Coverage Tax Credit


It is worthwhile to seek out a selection of Missouri Health Insurance Quotes Online so that you can get an immediate feel for what is currently available, and to see how much insurance cover you can get for your budget.


 

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