About Health Insurance in Missouri
Missouri residents have several great health insurance companies to decide between, and East Coast Health Insurance will give you a helpful quote to get you what you need. These companies include Aetna, Anthem, Coventry, Humana, and UnitedHealth One, and their plans have a range of options.
- Total Population: 5,967,100
- Total Uninsured Population: 853,300 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,981
- Average State Premium for Individual Health Insurance: $197
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Missouri
East Coast Health Insurance simplifies the process of getting a quote for everyone. Start by entering your zip code above, or for extra assistance you can speak with one of our licensed Missouri staff to help get started over the phone at 888-803-5917.
Missouri Health Insurance Market & Laws
Health insurance regulations in Missouri are in place for the benefit of both the insurer and the insured. Like most states, the guaranteed renewability provision allows you the right to renew your health insurance policy at the end of a term with the same company. Because of this law, your insurer must allow you to renew your existing policy if you have met your premiums and have not violated your policy.
Pre-existing conditions are defined in Missouri as a condition you received treatment for or were diagnosed at any time prior to enrolling in health insurance. Exclusion periods, or the interval when the insurance company will not pay any expenses related to that condition, can last for up to two years.
Also, if a health insurance plan covers dependents, it is required by law that newborns and adopted children be covered under their parents’ individual health insurance for the first 31 days after birth or adoption.
Handicapped dependents in Missouri are permitted by law to stay covered by their parent’s medical insurance after the age limit for dependents has been reached.
Insurance companies in Missouri are permitted by law to deny you health insurance or increase your premiums based on your age and health.
For individuals who live in Missouri, health insurance is required to cover the following medical expenses by law:
- Maternity care
- Treatment for clinical cancer trials
- Hearing exams for newborn children
- Breast, cervical, colorectal and prostate cancer screenings
- Mental health care for the same cost as other medical conditions
More information on laws regarding Missouri health insurance is available through the Missouri Department of Insurance site.
1. Kaiser Family Foundation, “Missouri – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “Missouri Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Missouri.html