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Population: 5,842,713
(Source: U.S. Census Bureau)
Uninsured: 703,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Missouri health insurance policies. Click here to view our registration with the Missouri Office of Insurance (We're listed as HBDC). |
Missouri has the 20th highest number of uninsured in the U.S.
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Health Insurance News in Missouri
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Buying Individual Insurance Policies in Missouri
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Missouri:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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Alcoholism
Ambulatory Surgery
Blood Lead Poisoning
Bone Marrow Transplants
Bone Mass Measurements
Breast Reconstruction
Cervical cancer/HPV Screening
Clinical Trials
Colorectal Cancer Screening
Contraceptives
Dental Anesthesia
Diabetic Supplies
Drug Abuse Treatment
Emergency Services
Hair Prostheses
Mammogram
Mastectomy
Mastectomy Stay
Maternity
Maternity Stay
Mental Health General
Mental Health Parity
Newborn Hearing Screening
Off-Label Drug Use
PKU/Formula
Prostate Cancer Screening
Second Surgical Opinion
Well-Child Care
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Alzheimer's
Ambulance Services
Anti-Psychotic Drugs
Autism
Birthing Centers/Midwives
Blood Products
Cancer Medications
Chemotherapy
Chlamydia
Cleft Palate
Congenital Bleeding Disorders
Diabetes Self Management
Early Intervention Services
Habilitative Services
Hearing Aid
Home Health Care
Hospice Care
HPV Vaccine
In Vitro Fertilization
Kidney Disease
Long Term Care
Lyme Disease
Minimum Hysterectomy Stay
Minimum Testicular Cancer Stays
Morbid Obesity Treatment
Neurodevelopment Therapy
Newborn Sickle-Cell Testing
Orthotics/Prosthetics
Ostomy Related Supplies
Other Infertility Services
Ovarian Cancer Screening
Port-wine Stain Elimination
Prescription Drugs
Psychotic Drugs
Rehabilitation Services
Smoking Cessation
TMJ Disorders
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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Continuation/Dependents
Continuation/Employees
Conversion to Non-Group
Newborns
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Adopted Children
Dependent Students
Grandchildren
Handicapped Dependents
Non-Custodial Children
Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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Chiropractors
Dentists
Nurse Practitioners
Optometrists
Podiatrists
Psychologists
Speech or Hearing Therapists
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Acupuncturists
Chiropodist
Denturists
Dieticians
First Nurse Assistant
Lay Midwives
Licensed Health Professional
Marriage Therapists
Massage Therapists
Naturopaths
Nurse Anesthetists
Nurse Midwives
Nurses
Occupational Therapists
Opticians
Oral Surgeons
Osteopaths
Pain Management Specialist
Pastoral Counselor
Pharmacists
Physical Therapists
Physician Assistants
Professional Counselors
Psychiatric Nurse
Public or Other Facilities
Social Workers
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Missouri.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Missouri residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Missouri.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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