Shopping for health insurance in the U.S. state of Missouri can be a daunting task. Fortunately, there are many options open to Missouri residents who are uninsured or underinsured. Whether health care, you can preserve this valuable information page for the preservation of health. Read on to learn the difference between the group and individual coverage and COBRA. If you are healthy enough to have to maintain the presence in the individual market or if you are a small company and serve to help health plans with the titles. If not, verify the information on this site about MO Health Net (Medicaid), MO Health Net for Kids (SCHIP) and the high risk group. All of these government programs may help, who can not afford medically uninsurable or not, private health care.
Things to know about health insurance in Missouri
The type of health insurance, most consumers are familiar with the group coverage offered by the employer. With group health insurance through your employer's policy is partially paid by the Company on behalf of their employees. The company will contribute a large percentage of the monthly premium and you (the employee) are responsible for paying the difference, about 16-27%. With the group is planning a number of options in the specific plan benefits (through negotiations between the company and the insurer shall be determined), but you can not group coverage plan, no matter what may recipes that you may be refused, or medical conditions you have. Choose the plan of insurance, a large group of employees within a company, every employee are not medically developed, but determine the entire group as a whole to a higher level of payment. Therefore, the amount you pay premiums and the quality of coverage you do not get on the health status and the benefits that you want to hang, but the health of your group as a whole and the benefits that the company chosen for you.
Unfortunately, companies often have a waiting period before new employees can qualify for health insurance benefits. If this is the case with his new job, keep a short-term policy, where your current coverage ends on the day of his new company, the insurance takes in. These options are a health plan. Just visit our short-term information for your free registration. It is important not to have a break in coverage of more than 63 days. If you can, your new insurer refuse to do so, the treatment for pre-existing conditions you may have, such as asthma or acne cover, to take effect one year after your policy. For this reason, continuous health insurance is especially important.