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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
When to Enroll in Missouri Health Insurance
Enrolling in health insurance in Missouri is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2024 – December 15, 2024. To enroll outside of Open Enrollment, you will need a qualifying life event.
With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round.
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.
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. For a more in-depth breakdown, read our article on individual health insurance.
Individual Health Insurance in Missouri
Health insurance is an important part of staying healthy and financially secure. It can help you pay for medical expenses, including doctor visits, hospital stays, and prescriptions. Private health insurance plans provide individuals and families with the flexibility to choose a plan that best fits their specific needs, budget, and preferred network of healthcare providers.
If you are a resident of Missouri, there are a number of private health insurance plans available to you.
Types of Private Health Insurance
HMO (Health Maintenance Organization)
HMO (Health Maintenance Organization) plans require you to choose a primary care doctor who coordinates your care. HMO plans typically have lower premiums than other types of plans.
PPO (Preferred Provider Organization)
PPO (Preferred Provider Organization) plans allow you to see any doctor in the plan’s network, but you will pay more to see a doctor outside of the network. PPO plans typically have higher premiums than HMO plans.
POS (Point of Service)
POS (Point of Service) plans are a hybrid of HMO and PPO plans. You can choose a primary care doctor, but you can also see a doctor outside of the network for a higher copay. POS plans typically have premiums in between HMO and PPO plans.
EPO (Exclusive Provider Organizations)
How to Find Affordable Health Insurance in Missouri
When shopping for a private health insurance plan in Missouri, it is important to consider your needs and budget. You should also think about the following factors:
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- Your health: If you have any pre-existing conditions, you will need to make sure that the plan you choose covers those conditions.
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- Your budget: You should compare the premiums and deductibles of different plans to find one that fits your budget.
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- Your network: If you have a preferred doctor or hospital, you will need to make sure that they are in the plan’s network.
Choosing the right health insurance plan for you and your family can be a difficult decision. There are many factors to consider, such as monthly premiums, out-of-pocket costs, and coverage levels. We want to help you find the best health insurance coverage for you and your family. Contact us today and our agents can help you select a plan that suits your needs.
Missouri Health Insurance Marketplace
Categories of Health Insurance Plans in Missouri
There are four categories of health insurance plans available in Missouri: Bronze, Silver, Gold, and Platinum. Each type of plan has different levels of coverage and costs. The type of plan that is right for you depends on your needs and budget.
- Bronze plans have the lowest monthly premiums, but they also have the highest out-of-pocket costs. This means that if you need to use your insurance, you will have to pay more out-of-pocket before your insurance kicks in.
- Silver plans have higher monthly premiums, but they also have lower out-of-pocket costs in comparison to Bronze plans. Sliver plans help provide more balance between monthly payments and out-of-pocket costs.
- Gold plans offer lower out-of-pocket costs in exchange for higher monthly premiums. They are designed to minimize the financial burden of high deductibles, making them an ideal choice for individuals or families with frequent healthcare needs or expensive prescription medications.
- Platinum plans have the highest monthly premiums and the lowest out-of-pocket costs of any health insurance plan available. Due to high monthly premiums, deductibles are very low, meaning your plan starts paying its share earlier than for other categories of plans.
Best Health Insurance Companies in Missouri
Blue Cross Blue Shield
- BCBSKC offers a variety of health insurance plans, including HMO, PPO, and POS plans.
- With a large network of doctors and hospitals in Missouri, BCBSKC is committed to providing quality care to its customers.
United Healthcare
- UnitedHealthcare is a popular health insurance option in Missouri that offers a variety of health insurance plans, including HMO, PPO, and POS plans.
- UnitedHealthcare also offers individual and family plans on the ACA Marketplace.
Humana
- Humana is the fourth largest health insurance providers in the United States.
- Humana offers a PPO and HMO plans with benefit packages available.
- Humana also offers a variety of online and mobile tools that make it easy for members to manage their healthcare.
Aetna
- Aetna is a CVSHealth® company that offers a variety of health insurance plans that can fit your individual and family health care needs.
- Aetna has a strong presence in Missouri and offers HMO, PPO, and POS plans.
Ambetter
- Ambetter is a top health insurance provider in Missouri.
- Ambetter offers Marketplace insurance plans with a range of coverage and premium levels.
- Ambetter also offers exclusive discounts on health products, rewards programs and benefits packages to members.
St Louis Health Insurance
As a resident of St. Louis, Missouri, it is important to have health insurance to cover the cost of healthcare. There are a variety of health insurance options available in the St. Louis area, including employer-sponsored plans, government-funded programs like Medicaid and Medicare, and individual plans. It is important to carefully consider each option and choose a plan that best meets your specific health needs and financial situation. The St. Louis health insurance marketplace can also be helpful in finding and comparing different health insurance plans. It’s crucial to have health insurance in order to access affordable medical care and protect yourself from high healthcare costs in the event of an emergency or illness. Don’t wait until it’s too late – make sure you have health insurance coverage in St. Louis.
Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it’s a challenge to navigate and find the right plan for your budget and needs.
That’s where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There’s no extra cost to you and you’ll have an insurance person to always turn to.
Group Health Insurance
Do you want to provide an affordable insurance option for your employees?
Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.
Life Insurance
Let’s be honest, we often don’t think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.
Dental Insurance
A good smile can be worth a million dollars.
Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.
Vision Insurance
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.