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How To Get Affordable Health Insurance In Missouri

Regardless of where you live in Missouri, if you don’t have a job that offers a health benefits package, or if you don’t work at all, you’re most likely going to have trouble finding affordable health insurance in Missouri. The exceptions, of course, are those individuals who are married and have spouses with excellent health benefits packages, or those individuals wealthy enough to purchase individual health insurance policies. Then if you are the above person keep reading this article if you want to get affordable health insurance in Missouri

If you are offered group health insurance at work consider signing up. Often you can find the best rates with a group plan, plus a group plan is not allowed by law to single out any participant for tobacco usage or for any preexisting health issues – at least once you’ve been signed up for a certain amount of time.

If you are not offered health insurance through work, then you may have to make a few concessions in order to get the most affordable rate for your health insurance. Start with your lifestyle. Don’t smoke or use tobacco products in any form. If you already smoke then you really need to stop. Smoking will add considerably to the cost of your life insurance. If you are obese, then you need to lose weight.

If you have any other insurance – such as life insurance or homeowner’s insurance – buy your health insurance from the same company if possible – most companies have a multi-policy discount that can save you up to 10% on your monthly premiums.

Missouri offers a special program to Missouri residents who have trouble obtaining affordable health insurance in Missouri for various other reasons or find their health insurance policies involuntarily cancelled. The program is called the Missouri Health Insurance Pool (MHIP), and it’s governed by the Blue Cross and Blue Shield programs of Missouri and of Kansas City. The MHIP isn’t an insurance company; it’s an insurance program for Missouri residents that offers four kinds of comprehensive and major medical health coverage.

You’re eligible for the MHIP if you don’t receive or aren’t eligible for any other health care coverage; haven’t already received the maximum $1 million dollars in coverage from the MHIP; and haven’t been turned down by other health insurance companies due to alcohol or drug abuse. For more information, visit Missouri’s Department of Insurance Web site..

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