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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
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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