Apollo Insurance Group is headquartered in Kansas City and has been for over 11 years. We know the needs of Missourians because we ARE Missourians. We know that health insurance, like Missouri, is much more than meets the eye. So, we’ve put together this quick guide to help you get your mind around health insurance in Missouri.
Read on for an overview of health insurance in Missouri, and contact Apollo Insurance Group for any further clarification.
Quick Facts about Health Insurance in Missouri
- Missouri uses the federal Marketplace as its ACA Exchange.
- Open Enrollment for On-Exchange plans will be from November 1, 2022 – December 15, 2022.
- Off-Exchange plans are available at any time.
- Apollo Insurance Group can help broker plans from 18 different carriers.
Group Insurance in Missouri
Missouri is one of a few states with a strong, robust small group insurance market. All small group plans in Missouri are ACA compliant. However, they are not enrolled through the Marketplace. Instead, they are purchased directly from the carrier.
When to Enroll in Missouri Health Insurance
Timing for enrollment in Missouri depends on the type of plan being enrolled in. Most Missourians can only enroll in ACA health insurance during Open Enrollment – the time of year that everyone can freely switch health insurance plans. Open Enrollment for 2023 is November 1, 2022 – December 15, 2022. To enroll outside of Open Enrollment, you must have a qualifying life event.
There is no Open Enrollment period for plans that are sold outside of the federal Exchange. These plans can be purchased at any time, with some exceptions.
How to Enroll in Missouri Health Insurance
To enroll in a health insurance plan in Missouri, contact us now. We will work with you to find the best plan for your budget and needs. Alternatively, call us now at one of the numbers below:
- Call us in Kansas City: (816) 631-9316
- Call us in St. Louis: (314) 353-9499
- Call us in Springfield: (417) 427-4809
Health insurance in the United States is a complicated beast, and Missouri is no exception. Let one of the experts at Apollo Insurance Group guide you.
This is just a brief overview of health insurance in Missouri and the United States at large. For a more in-depth breakdown, read our article on individual health insurance.
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Looking For Health Insurance in Missouri?
If you’re looking for health insurance in Missouri, there are a few different things to consider. First, consider your age. Many health insurance companies require that you be at least 26 to be covered, but it’s possible to stay on your parents’ policy until you’re 26.
Catastrophic plans in health insurance are a low-cost option for those without health insurance or those who do not qualify for subsidies. A Catastrophic plan typically requires a high-deductible, but the insurance company pays 80% of your medical bills. For example, if you have an accident, you could face thousands of dollars in medical bills. You would have to pay the 20% co-payment until you reached your out-of-pocket maximum and your insurance company would pay the remaining 20%.
Catastrophic plans are the most affordable option for those who do not have health insurance but still want coverage for their catastrophic medical needs. They cover the same essential health benefits as other Marketplace plans, and some preventive services are also included in the cost. In addition, they cover three visits to your primary care physician each year for free.
Catastrophic plans with higher deductibles
Catastrophic health plans offer lower monthly premiums, but they have very high deductibles. This means you will have to pay for most of your medical expenses before your insurance plan will pay anything. This is not ideal if you have high medical bills. To avoid this, you should choose a plan with a low deductible.
However, catastrophic plans may not be the right option for you if you qualify for a hardship exemption. You must qualify for an exemption form specific to your state’s law and submit it with your application. This type of plan may not qualify for premium tax credits, so if you qualify, you should consider a Bronze or Silver plan. These plans may have lower out-of-pocket costs and will give you more value.
WellFirst Gold Value Copay 3700X
If you’re looking for a health insurance plan in Missouri, WellFirst has a plan for you. This plan is affordable and offers a range of benefits. Its Gold value copay plan, for example, includes a $25 copay for your first three pcp office visits. The plan also includes a $15 preferred generic drug copay. Unlike some plans, WellFirst Gold has a deductible of just $357 a month.
Gold plans are the best choice for people with a high medical bill or a chronic condition. The WellFirst Gold Value Copay 3700X plan, for example, is the most affordable gold health insurance plan in Missouri. These plans usually have lower premiums because they are less comprehensive, but can come with a high deductible and copays.
WellFirst Silver Value Copay 3700X
There are a few key differences between the WellFirst Bronze Copay Plus 8650X and WellFirst Silver Value Copay 3700X health plans in Missouri. The Silver plan has lower monthly premiums, while the Bronze plan has higher deductibles and copays. The Expanded Bronze plan’s deductible is $4,150 higher than the Silver plan’s.
Cigna Connect 1000 has a $1,000 deductible and maximum out-of-pocket expenses of $7,000, a 25% coinsurance fee, and $50 copays for preferred generic drugs and $20 copays for office visits. The WellFirst Silver Value Copay 3700X health insurance in Missouri is also very competitive. Its copays are lower than most other Missouri health plans. The deductible for the WellFirst Silver Value Copay 3700X plan is $3,700. Nextra Health accepts faxed or mailed information.
WellFirst Silver Value Copay 5050 is an HSA-eligible plan that covers physician office visits, most lab tests, and the cost of blood. It also covers prescription drugs and recommended vaccines. It’s an excellent choice for individuals in Missouri if they don’t want to spend too much on health insurance. However, make sure to confirm the doctor’s participation with the insurance plan before undergoing any medical procedures.
WellFirst Balanced Care 11 Silver plan
WellFirst Health offers a variety of Silver health plans to suit the needs of individual customers. Its Balanced Care 11 Silver plan is the lowest cost Silver plan in Missouri. Available in three counties, it covers 70 percent of health care costs and has an out-of-pocket limit of $50. This plan is a good choice for individuals who need comprehensive coverage but don’t want to pay too much.
Silver health plans are more affordable than bronze plans and have lower out-of-pocket costs. These plans are beneficial to those who don’t need frequent doctor visits and don’t need as much coverage as gold plans do. Generally, silver plans have lower monthly premiums and a lower deductible than bronze plans. They are also suited for individuals who want to be protected against worst-case medical scenarios. Premiums for Bronze plans are very low, but out-of-pocket costs can be high.
Ambetter Balanced Care 11 Silver plan
Ambetter is a health insurance company that offers affordable plans for individuals and families in Georgia. Its products feature the lowest premiums for individuals in the state, and they include unlimited office visits from a PCP or specialist. Members can also take advantage of extra benefits, such as reminders for doctor’s visits. The company also has a member portal where members can learn about their health and social security information, and sign up for member news alerts.
Currently, Ambetter offers three types of health insurance plans. Each plan offers different benefits and deductibles. You can choose between a bronze, silver, or gold plan, depending on your personal budget and health needs. Each plan also covers urgent care, vision, and dental care. Each of these plans has a monthly premium.
Anthem Blue Cross
Anthem Blue Cross Blue Shield is one of the largest health insurance providers in Missouri, serving nearly 900,000 medical members. It has been providing health care to Missourians for 65 years. Its services include prepaid health coverage and health plans for individuals. It is a member of the Blue Cross and Blue Shield Association, based in Chicago, which coordinates the United States Blue Cross Blue Shield Plans.
While there are some disadvantages to Anthem health insurance, its policies are generally inexpensive. This is not to say that it is the most affordable health insurance plan in the state, but Anthem does offer many different plans, allowing people to choose the one that best suits their medical needs and budget.
Cigna Health Insurance in Missouri is a company that offers a variety of different health insurance plans. Most of these plans cover prescription drugs, dental care, and other services offered by medical providers. These plans are a good choice if you’re looking for a plan with low out-of-pocket costs. In addition, these plans are cheaper than comparable policies offered by other companies.
Cigna started in 1982 and has grown to be one of the largest health care companies in the world. In 1997, it acquired Healthsource, Inc. and expanded its network of health care plans worldwide. In 1999, the company sold its individual life insurance and annuity business to Lincoln National Corporation. In 2011, Cigna acquired Equicor, the sixth-largest provider of employee health plans in the U.S. Cigna also joined the March of Dimes as a national sponsor. In 2016, it announced a partnership with Express Scripts, which invested more than $200 million in local communities and health care initiatives.
Ambetter Health Insurance is a plan that covers essential health benefits, including preventive care and wellness services. It also covers hospitalizations, maternity and newborn care, mental health services, and vision care. In addition, it includes coverage for the COVID-19 pandemic. If you are concerned about your health insurance costs, consider switching to Ambetter.
Ambetter health insurance policies are sold in 26 states, including Missouri. In Missouri, Ambetter is offered through Home State Health, a subsidiary of Centene. However, there have been numerous class action lawsuits filed against Centene for misleading consumers about their coverage. Some people have reported surprise billing charges and coverage denials, and physicians have expressed dissatisfaction with Ambetter.
The company is part of the Health Insurance Marketplace and offers a variety of health insurance products. The company has some of the lowest rates, but it does not have coverage in all states. For those looking for affordable coverage and a low monthly premium, Ambetter is the best option. However, it’s worth considering your budget and other options before purchasing a policy from Ambetter. It’s also important to contact a local health insurance specialist to compare quotes.
If you’re looking for an affordable health insurance plan in Missouri, consider Anthem Health Insurance. The health insurance company is known for its high quality network of doctors and hospitals. Its Preferred-Care Blue Access Choice networks include most Missouri doctors and hospitals. The company also provides concierge services to members.
You can use the Anthem mobile app to find a physician, check plan benefits, and more. You can also submit questions through the app. However, be aware that Anthem insurance has a history of denying coverage, canceling policies, and failing to address consumer complaints and claims grievances. Hence, it is important to do your research before purchasing Anthem health insurance in Missouri.
Although Anthem is an excellent health insurance company, it does not have the cheapest plans in Missouri. However, most of its policies are affordable. Moreover, you can choose one according to your budget and medical needs. Anthem also offers several types of health insurance, including HMO, PPO, EPO, and Medicare plans. Lastly, the company also offers short-term, supplemental, and individual policies.