No matter where you live in Missouri, if you don't have a job with health benefits or don't work at all, you're probably going to have a hard time finding affordable health insurance. The only people who don't have to do this are those who are married and have spouses with good health benefits or those who are wealthy enough to buy their own health insurance.
Some people in Missouri have trouble getting affordable health insurance for a number of different reasons. Some people's health insurance policies are cancelled without their permission, while others are being charged more than 300 times the normal premiums. These people probably also need help in Missouri to find affordable health insurance.
Missouri has a special programme for people in these kinds of situations who live in Missouri. The Blue Cross and Blue Shield programmes in Missouri and Kansas City run the programme. It is called the Missouri Health Insurance Pool (MHIP). The MHIP is not an insurance company; it's an insurance programme for people who live in Missouri. It offers four types of major and comprehensive medical health coverage.
You can get the MHIP if you don't have any other health insurance or aren't eligible for it, if you haven't already gotten the maximum $1 million in coverage from the MHIP, and if you haven't been turned down by other health insurance companies because of alcohol or drug abuse. Visit the Missouri Department of Insurance's website for more information.
The MHIP is a Preferred Provider Organization (PPO), and members should stay within the PPO when getting health care to get the most out of the programme. The MHIP gives coverage for prescription drugs and managed care. There is an exclusion for "pre-existing conditions," but there are ways to get that exclusion lifted. Depending on which of the four types of comprehensive and major medical health coverage you have, other types of coverage and costs will vary.
