Residents of Missouri can get health insurance coverage from their employers, but not all employers offer this benefit to their workers. For those who have employer-sponsored Missouri health insurance, your employer will pay for a substantial percentage of the monthly premiums.
It’s also even possible to maintain that coverage if you lose your job because you can extend the coverage for up to 18 months through the COBRA program. Such an extension would prevent a lapse of coverage as you use the time to find and secure another health plan when you get a new job.
The main drawback to using employer-sponsored health plans is that your options are limited to what plans you can choose from. You have more options when you get private health insurance. You can make sure that you get a health plan that provides all the essential health coverage benefits you need.
To find these plans, you only need to enter your zip code in our search bar. That will give you a list of plans from private carriers such as Aetna, Humana, Golden Rule, and Cigna. You can then compare them and determine the plan that suits your needs best.
MO HealthNet & Low Income Health Insurance Missouri
However, it is entirely possible that you may find these plans too expensive for your budget. It’s for that reason that Missouri offers Medicaid assistance, which provides low-cost or even free health coverage for people with low-incomes or special needs. In Missouri, the Medicaid program is called MO HealthNet.
MO HealthNet comes with eligibility requirements, though these will differ depending on the Medicaid package that applies to your situation. Many of these programs come with income ceilings to identify the families and individuals who need Medicaid assistance the most.
MO HealthNet for Families (MHF)
MO HealthNet for Families (MHF) provides healthcare for families who meet the income limits. These limits aren’t based on federal poverty levels, but instead, are based on the July 1996 AFDC payment standard.
The program is for children under the age of 19 and their parents or caretakers. Eligible applicants must be Missouri residents who have a Social Security Number. Parents need to cooperate with Child Support Enforcement to obtain medical support.
MO HealthNet for Kids
The coverage for this program is expressly for children under 19 years of age. There are two possible plans that may apply depending on your circumstances.
The first option is the MO HealthNet for Kids Non-SCHIP (State Children’s Health Insurance Plan). The income limits for this plan is 196% FPL for infants who aren’t a year old yet. For a family of 3, this means that the income ceiling is $40,728.80. It becomes $49,196 for a family of 4.
For children ages 1 to 18, the limit is 148% FPL. This is equal to $30,754.4 for a family of 3, and $37,148 for a family of 4.
The other option is MO HealthNet for Kids (SCHIP), which helps provide health coverage for children whose families exceed Medicaid limits. However, if the uninsured child belongs to a family with an income that is 150% FPL, they can receive coverage without paying a premium.
The coverage will come with a premium if that family income exceeds 150% FPL but comes within 300% FPL. Also, those families must not have access to affordable health insurance. “Affordable” insurance is defined as having a premium ranging from $77 to $192 a month depending on the family income.
While the coverage for SCHIP comes with a premium, the amount you have to pay won’t exceed 5% of the family income for coverage.
Medical Services: MO HealthNet for Families, Kids, Pregnant Women and Newborns
The Family Support Division will determine if your family qualifies for this program, which offers a wide range of medical services, though some services such as dental care, vision care, and speech therapy can be limited for adults over the age of 21. Children in higher income families who have MO HealthNet for Kids coverage cannot be eligible for this particular program.
MO HealthNet (Medicaid) for People with Disabilities
You can qualify for this if you are permanently disabled. This is defined as being unable to be employed for more than a year due to physical or mental incapacity.
The net income limit is $855 a month for an individual and $1,151 a month for a couple. However, the may also qualify if their income exceeds this limit if their incurred medical expenses reduce the monthly income within the income ceilings.
There is also an asset limit, which is $2,000 for an individual and $4,000 for a married couple. The asset limit doesn’t count certain properties, including the house and car. If the disabled individuals are under 18 and living with their parents, the (non-exempt) assets of the parents are factored in.
MO HealthNet (Medicaid) for the Blind and Visually Impaired
Those with visual impairments can get Medicaid benefits as well if they do not have a sighted spouse who can provide support. The income limit is $981 a month for individuals and $1,328 for couples. There’s a $2,000 asset limit for individuals and this is $4,000 for a married couple.
MO HealthNet (Medicaid) for Seniors
Even seniors can get Medicaid assistance if they have an income that doesn’t exceed $834 a month and assets under $2,000. Married couples have an income limit of $1,129 a month and an asset limit of $4,000.
Missouri Open Enrollment 2019 & Missouri Obamacare Insurance
The Missouri Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Missouri, please do not hesitate to give us a call at 1-855-614-5057. We stand ready to guide you so that you can get the health & medical insurance coverage you need and deserve.