Get familiar with the various types of Missouri health insurance plans available:
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Use this link if you need a little help figuring out what might be the best direction to go. We can put together some ideas for you in an easy to understand format too! Missouri health insurance quotes with your needs in mind... |
If you have exhausted COBRA you
may qualify for HIPAA - Preexisting Conditions Covered.
There are six
conditions that you must
meet to qualify for HIPAA and one of the
main
criteria is that you have exhausted COBRA which is continuation
coverage lasting for 18 months after you leave an employer.
Both COBRA and HIPAA cover preexisting conditions not subject to
any waiting periods.
We also carry traditional PPO health insurance that covers you
for up to $2,000,000 inclusive of preexisting conditions if you
qualify, You must see this coverage if you have previously
had Riders placed on your Individual Health Insurance Coverage.
Get familiar with the various types of Missouri health insurance plans available:
Co-Pay
Plans -
These plans do serve a purpose if you have a young family with children who
go to the doctor a lot. Keep in mind
though, if you want
great benefits for all the small claims -
then its' can get pricey. It's
the equivalent to buying a homeowners policy that
also covers your weekly lawn service, a tree and
landscaping crew...on 24 hour call, and a new
coat of paint every two
years... Make sure you are going to use the
benefits before actually agreeing to the
coverage. Typically families with young children
are prime candidates for these sorts of plans.
High Deductible Health Plans - These are the core plans to an HSA plan described above. Collective or family deductibles available with 100% coverage. Less expensive than an HSA because you don't have to contribute to a savings account. Like a Health Savings Account there are no co-pays for doc visits or Rx....although both doc visits and Rx go towards your deductible. Let me show you have I can save you thousands of dollars in premium as opposed to getting a traditional copay plan.
Missouri
Temporary Health Insurance - online
quotes/application
-
Are you in between jobs and waiting for your employer to
cover you or waiting for other medical insurance to start? Are you a college student? Or just
looking for a more affordable premium then what
you have seen so far. Short Term
Insurance is a perfect solution for someone
looking for a temporary solution to their health
insurance needs.
Plans issued
in 24 hours.
10 day free
look period, cancel at any
time.
$2,000,000 lifetime maximums
Save money
- lower
premiums then permanent health insurance
and save even more with
single payment option.
Very few
declines for medical reasons.
Go to any
doctor or hospital you want.
Coverage from
one month to three years.
Ideal if you
are waiting to coverage to
start with an Employer Plan.
Missouri
Health Insurance Specialist
Make sure you understand your annual deductible that may need to be met before you go to a specialist or are admitted into the hospital for anything. If your deductible has not been met, you will be required to pay out of pocket, until you meet your deductible. Once your deductible has been met your Missouri Health Insurance company will step in and start paying for your treatment. You may also have higher co-pays for procedures done in a hospital setting. If possible, if you are having a minor procedure done ask your physician if it can be done is his or her local office. It will save you money in the long run.
Thanks for visiting our
Missouri health insurance
website and we hope you were able to easily
find what is was you were looking for. If not call us, I'm
sure it's here somewhere. Check back often as this website, like
health insurance changes frequently to stay current.
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Hegeman
Insurance Brokerage
Independent Life
&
Health Insurance for Missouri
Phone: (407) 425-9347 | Fax (407)
423-7483
Missouri Health Insurance License
#
PR370650
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