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How To Get Affordable Health Insurance In Missouri

June 8th, 2012 3:22 am

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..

The Best Walleye Fishing Waters in the State of Missouri

May 17th, 2012 12:56 pm

Stockton Lake may be the best walleye lake in the state of Missouri. Stockton Lake is a relatively small Corp. of Engineers Reservoir, but it is very deep, cool and clear. This makes the lake ideal for walleye fishing. The best walleye fishing occurs around the dam during the summer, and up in the Sac River during the spring, when the walleye spawn. The lake is stocked regularly with walleye, but also sees healthy amounts of natural reproduction. Minnows, worms, and deep diving crankbaits work well.

Bull Shoals is another great walleye lake. Only the northern portion of the lake lies in Missouri, but this area offers some of the best walleye fishing in the lake. The Missouri portion of Bull Shoals Lake is very riverine, and in fact more resembles a large, slow moving river than a reservoir. The area just below Powersite Dam is especially popular, and even offers excellent bank fishing opportunities for walleye, as well as trout and bass. Boat fisherman do very well further down the lake. Jigs, minnows, and worms work very well in Bull Shoals Lake.

The Black River is probably the best walleye stream in the state of Missouri. The Black River below Clearwater Dam is a deep, slow, and clear river in the foothills of the Ozark Mountains. This river is an excellent spawning ground for walleyes, and some very large fish have been caught here over the years. Locals report that the best fishing generally occurs in the cooler months, during fall, winter, and spring. During the summer, the walleye become more lethargic, but can still be caught on live baits, especially at night. Jigs, crankbaits, and worms are the most popular methods for targeting Black River walleye. The river can be waded in some areas, but a canoe or a jon-boat will put a walleye fisherman within range of more walleye.

The Current River is another good walleye stream. This river flows right through the heart of the Ozark Mountains, and is heavily spring-fed. The best walleye fishing is found in the lower reaches of the river, from the town of Van Buren to the Arkansas state line. Fishing methods on the Current River are very similar to the Black.

As you can see, there are numerous walleye fishing opportunities in the state of Missouri. These are just a few of the best options, but there are many other good walleye waters throughout the state of Missouri..



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