The Missouri Health Insurance Pool, or MHIP, can help Missouri residents who are having trouble finding affordable health insurance.
What is the Health Insurance Pool in Missouri?
The MHIP is a programme that helps Missouri residents who can't find affordable health insurance and don't qualify for or aren't covered by any other kind of health insurance plan.
The MHIP covers hospital stays and visits outside of the hospital, care from doctors and other medical professionals, special health services and supplies, and prescription drugs.
Who is behind the Missouri Health Insurance Pool?
The Missouri General Assembly made it possible for the MHIP to start in 1991. It also works by the rules of the Assembly. But Blue Cross and Blue Shield of Missouri and Blue Cross and Blue Shield of Kansas City are in charge of running the MHIP.
Who can join the Health Insurance Pool in Missouri?
The MHIP is open to all Missouri residents who meet the eligibility requirements. However, residents who have pre-existing health conditions and can't find a health insurance company that will sell them an individual health insurance policy should be especially interested in MHIP, because the policy on pre-existing conditions can be waived in certain situations.
People who live in Missouri but are not eligible for MHIP include those who are eligible for other types of health insurance plans and programmes, such as a regular health insurance plan, a state-sponsored health insurance plan, Medicaid, Medicare, and COBRA.
If the MHIP has already spent $1 million on a person's health care, that person is no longer eligible. The same is true for people who can't get health insurance because they use too much alcohol or drugs.
How can I learn more about the Missouri Health Insurance Pool?
Talk to the Missouri Department of Insurance or go to the official website for the Missouri Health Insurance Pool.
