Missouri Health Insurance Plans – Compare And Shop Affordable MO Rates

Find low-cost healthcare coverage in Missouri for individuals and families. Quality benefits and affordable rates are available from many top-rated companies that offer comprehensive, catastrophic, high-deductible, and Senior Medigap plans. Easily compare, review, and enroll in the best available medical plans in your area at the cheapest available cost. Since there is no underwriting, pre-existing conditions are covered, and your premium could substantially reduce if you qualify for a federal subsidy.

Our free MO instant health insurance quotes show you the best prices from major carriers, including Blue Cross Blue Shield of Kansas City, Humana, Cigna, Coventry,  and Healthy Alliance Life (Anthem). Small Group plans are also available from Aetna, Cox, Federated Mutual, and UnitedHealthcare. Many low-cost plans are also offered to the self-employed, students, persons that only need short-coverage, and small business owners seeking coverage for their employees.

Senior Missouri Medigap policies are also available if you have reached age 65 and are Medicare-eligible with Parts A and B covered. Supplement, Advantage, and Part D prescription drug plans can pay for many potential out-of-pocket costs, including copays, coinsurance, and deductibles. The Open Enrollment period (October 15th through December 7th) is also different than the under-65 OE period.

 

Missouri Companies Offering Private Individual Health Insurance (Under Age 65)

 

Cigna – Cigna is another large publicly-traded company that has a big individual, group, and Senior portfolio.  As a Fortune 100 Company, more than 15 million persons are covered worldwide.  Their Connect 3000, Connect 4000, and Connect HSA 5500 are very popular options in Missouri.

Anthem Blue Cross And Blue Shield – Healthy Alliance Life was previously purchased by Anthem Blue Cross Blue Shield. BCBS has one of the biggest US networks, with thousands of doctors, specialists, and additional medical facilities. PPO and HMO options are offered, along with short-term plans for applicants that need only temporary benefits.

Ambetter – Ambetter plans are available in many states, and are offered through Centene Corporation, a Fortune 500 company  with more than three decades of managed-care experience. Typically, their plan rates are extremely competitive.

Note: Blue Cross Blue Shield Of Kansas City offered plans last year in 32 counties located in the Kansas City area, Northwest Missouri,  and two Kansas counties (Wyandotte and Johnson). With more than one million subscribers, they featured a wide variety of single and family plan options, including medical, dental, and travel coverage. However, they are not offering Marketplace plans in 2018. They continue to offer Senior Medicare Advantage, Supplement, Select, and Part D plans.

 

Compare health insurance plans in Misoouri - Single, Family, and Medicare.

Affordable Missouri Health Insurance Is Available During And After Open Enrollment

 

 

Most Affordable Missouri Health Insurance Plans (Under Age 65)

 

Catastrophic Plans

Anthem BCBS Catastrophic Pathway X 7350 – $40 copay for first three pcp office visits. $7,350 deductible with $7,350 maximum out-of-pocket expenses and 0% coinsurance. Plan is only available to applicants under age 30, or applicants that can prove “financial hardship.”

 

Bronze Plans

Anthem Bronze Pathway X 5450 – $5,450 deductible with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

Anthem Bronze Pathway X 4950 – $4,950 deductible with maximum out-of-pocket expenses of $7,350 and 50% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

Anthem Bronze Pathway X 0 For HSA – HSA-eligible plan with $5,250 deductible with maximum out-of-pocket expenses of $6,250 and 20% coinsurance. All non-preventative expenses must meet deductible and coinsurance.

Anthem Bronze Pathway X 6350 – $6,350 deductible with maximum out-of-pocket expenses of $7,350 and 40% coinsurance. $30 and $60 office visit copays for the first two visits.  Urgent Care copay is $75. Tier 1 and Tier 2 drug copays are $20 and $50.

Cigna Connect 7000 – $7,000 deductible with maximum out-of-pocket expenses of $7,350 and 50% coinsurance.

Cigna Connect 6650 – $6,650 deductible with maximum out-of-pocket expenses of $7,350 and 50% coinsurance. $25 copay for first three pcp office visits. $10 and $30 copays for preferred generic and non- preferred generic drugs.  90-day home delivery copays are $30 and $105.

Ambetter Essential Care 1 – $6,800 deductible with maximum out-of-pocket expenses of $6,800 and 0% coinsurance. $20 copay for generic drugs ($60 for 90-day home delivery).

 

Silver Plans

Anthem Silver Pathway X 6000 – $6,000 deductible with maximum out-of-pocket expenses of $7,350 and 35% coinsurance. $40 pcp office visits copay but specialist visits are subject to deductible.  Urgent Care copay is $75. Tier 1 and Tier 2 drug copays are $20 and $50.

Anthem Silver Pathway X 5500 – $5,500 deductible with maximum out-of-pocket expenses of $6,500 and 25% coinsurance. $30 pcp office visits copay but specialist visits are subject to deductible.  Urgent Care copay is $75. Tier 1 and Tier 2 drug copays are $20 and $50.

Anthem Silver Pathway X 4500 – $4,500 deductible with maximum out-of-pocket expenses of $6,800 and 20% coinsurance. $35 pcp office visits copay but specialist visits are subject to deductible.  Tier 1 and Tier 2 drug copays are $10 and $40.

Anthem Silver Pathway X 3250 – $3,250 deductible with maximum out-of-pocket expenses of $6,450 and 50% coinsurance. $30 pcp office visits copay but specialist visits are subject to deductible.  Tier 1 and Tier 2 drug copays are $10 and $50.  Mail-order copays are $25 and $150.

Cigna Connect 4500 – $4,500 deductible with maximum out-of-pocket expenses of $7,350 and 30% coinsurance. $25 copay for pcp office visits. $10 and $25 copays for preferred generic and non- preferred generic drugs.  90-day home delivery copays are $30 and $75. Preferred brand copays are $75 and $225.

Cigna Connect 3700 – $3,700 deductible with maximum out-of-pocket expenses of $7,350 and 20% coinsurance. $25 copay for pcp office visits. The Urgent Care copay is $50.  $10 and $20 copays for preferred generic and non- preferred generic drugs.  90-day home delivery copays are $30 and $60. Preferred brand copays are $50 and $150.

Ambetter Balanced Care 4 – $7,050 deductible with maximum out-of-pocket expenses of $7,050 and 0% coinsurance. $30 and $60 office visit copays with $100 Urgent Care copay. $15 copay for generic drugs ($45 for 90-day home delivery). Preferred brand drug copays are $50 and $150.

Ambetter Balanced Care 1 – $5,500 deductible with maximum out-of-pocket expenses of $6,500 and 20% coinsurance. $30 and $60 office visit copays with $100 Urgent Care copay. $10 copay for generic drugs ($30 for 90-day home delivery). Preferred brand drug copays are $50 and $150.

Ambetter Balanced Care 3 – $3,000 deductible with maximum out-of-pocket expenses of $6,500 and 20% coinsurance. $30 and $60 office visit copays with $100 Urgent Care copay. $25 copay for generic drugs ($75 for 90-day home delivery). Preferred brand drug copays are $50 and $150.

 

Gold Plans

Ambetter Secure Care 1 with Three Free PCP Visits– $1,000 deductible with maximum out-of-pocket expenses of $6,350 and 20% coinsurance. First three pcp office visits are covered at 100%. $10 copay for generic drugs ($30 for 90-day home delivery). Preferred brand drug copays are $25 and $75. The non-preferred brand drug copays are $75 and $225.

Cigna Connect 1000 – $1,000 deductible with maximum out-of-pocket expenses of $7,000 and 20% coinsurance. $15 and $60 office visit copays. The Urgent Care copay is $75.  $8 and $15 copays for preferred generic and non- preferred generic drugs.  90-day home delivery copays are $24 and $45. Preferred brand copays are $50 and $150.

Anthem Gold Pathway X 1250 – $1,250 deductible with maximum out-of-pocket expenses of $7,350 and 10% coinsurance. $25 pcp office visits copay but specialist visits are subject to deductible.  Tier 1 and Tier 2 drug copays are $10 and $25.  Mail-order copays are $35 and $105.

 

Missouri Health Insurance Coverage For Seniors

The Missouri Department of Insurance regulates the carriers that offer plans to Seniors.  Eleven Supplement plan options are available from many participating companies. Generally, you must be enrolled in Medicare Part A and Part B to apply for Medigap benefits. A six-month Open Enrollment period is provided when Part B begins. Most persons become eligible for Medicare when they reach age 65. Additional eligibility is available for persons that have been diagnosed with Lou Gehrig’s Disease or end-stage renal disease. Persons disabled and receiving Social Security income for 24 months should also qualify.

Supplement plans (A-N) are issued by licensed insurance companies. M and N policies are typically the least expensive option. Part C (Advantage contracts) are also provided insurers, and often cost significantly less than Supplement plans. Often, prescription drug benefits are included. Otherwise, separate Part D plans can be purchased. Premiums on all contracts are usually billed monthly, although additional options are offered. Customers are also entitled to a refund of the unused portion of the policy, if the cancellation request is received before the end of the year. We compare Medicare Supplement plans and rates, so consumers can easily view their best options.

The Missouri Rx plan can help pay for some of the out-of-pocket prescription costs from Part D coverage. The Department of Social Services provides specific information regarding how to apply, enrollment process, and specific benefits. The application is short and there are no costs to sign up. Benefits include coverage for 50% of copays and gaps for 31-day prescriptions. However, you must continue to pay for your Medigap plan premium. Any pharmacy that  accepts your Part D plan can be utilized, and there is no maximum amount of brand or generic drug expenses that will be paid by the program. Unfortunately, a 90-day supply of medications does not qualify for coverage.

 

Missouri Medicare Supplement Rates (Female Monthly Age 65)

 

St. Louis, St. Charles, And Jackson Counties

 

Plan A

$105 – AARP-UnitedHealthcare

$119 – Transamerica

$126 – Pekin Life

$130 – United American

$136 – Companion Life

$143 – Combined Insurance

$145 – Mutual Of Omaha

$148 – Manhattan Life

$152 – Cigna

$153 – Individual Assurance

$166 – Oxford Life

$167 – Humana

$170 – Equitable

$201 – American Continental

$202 – Medico

$223 – Gerber

 

Plan C

$161 – Everest

$172 – Globe

$186 – Christian Fidelity

$189 – Transamerica

$189 – BCBS Of Kansas City

$211 – Humana

$216 – Thrivent

$238 – Sterling Investors

$240 – State Farm

$246 – Family Life

$297 – Reserve National

 

Plan F (High Deductible)

$42 – United America

$56 – Cigna

$60 – Mutual Of Omaha

$63 – Humana

$100 – American Continental

 

Plan F

$147 – Companion Life

$155 – Medico

$162 – Everest

$163 – Transamerica

$174 – Pekin Life

$177 – USAA

$180 – BCBS Of Kansas City

$184 – Globe

$188 – Loyal American

$189 – Thrivent

$197 – Oxford Life

$206 – Bankers Fidelity

$207 – Mutual Of Omaha

$214 – State Farm

$215 – Humana

$233 – Reserve National

$241 – United American

$264 – Physician’s Mutual

$267 – Colonial Penn

$271 – State Mutual

$273 – Gerber

$310 – Equitable

 

Plan N

$113 – Everest

$117 – Mutual Of Omaha

$119 – American Retirement Life

$121 – BCBS Of Kansas City

$122 – Healthy Alliance

$130 – USAA

$139 – Colonial Penn

$149 – Humana

$172 – United American

$196 – Equitable

 

Greene County

 

Plan A

$105 – AARP-UnitedHealthcare

$107 – Transamerica

$114 – Pekin Life

$117 – Companion Life

$126 – Combined Insurance

$129 – Manhattan Life

$130 – Mutual Of Omaha

$130 – United American

$132 – Individual Assurance

$132 – Cigna

$135 – Oxford Life

$140 – Equitable

$155 – Humana

$165 – Medico

$189 – Gerber

$190 – American Continental

 

Plan C

$165 – Manhattan Life

$186 – AARP-UnitedHealthcare

$207 – Humana

$243 – United American

 

Plan F (High Deductible)

$42 – United American

$48 – Cigna

$54 – Mutual Of Omaha

$58 – Humana

$94 – American Continental

 

Missouri Medicare Advantage Plans

Other than hospice, Advantage contracts offer all of the benefits available through original Medicare. Hospice, however, is still covered if you opt out of Medicare. Often, premiums are lower, and extra benefits (dental and vision) are included with each policy. Shown below are available Advantage plans (prescription coverage included) with their deductible and maximum annual out-of-pocket expenses:

UnitedHealthcare AARP MedicareComplete Choice Plan 1 – $200  and $4,900.

UnitedHealthcare AARP MedicareComplete Choice Plan 2 – $0 and $2,900.

UnitedHealthcare AARP MedicareComplete – $150 and $2,900, and $120 and $3,400,

UnitedHealthcare AARP MedicareComplete Plan 1 – $120 and $3,500, and $210 and $4,400.

UnitedHealthcare AARP MedicareComplete Plan 2 – $150 and $5,900, and $250 and $6,700.

Coventry Advantage – $0 and $4,300.

Coventry Advantage Plus – $0 and $5,900.

Coventry Advantra Option 2 – $0 and $2,430.

Coventry Advantra Option 1 – $0 and $5,200.

Coventry Advantra Advantage – $0, and $5,000.

Coventry Advantra Freedom Plus – $0 and $5,500.

Coventry Advantra Freedom – $0 and $6,200/ $5,200.

Essence  CoxHealth MedicarePlus – $0 and $3,975.

Essence Advantage – $0 and $2,450/$2,900.

Essence Advantage Plus – $0 and $2,250.

Anthem MediBlue Access – $0 and $5,900.

Anthem MediBlue Plus – $40 and $3,000.

Care Improvement Plus – $50 and $6,700.

Humana Gold Plus – $0 and $3,400 (and several other options).

HumanaChoice – $250 and $6,700 (and several other options).

BCBS Blue Medicare Advantage Complete – $0 and $6,700.

BCBS Blue Medicare Advantage Plus – $0 and $4,400.

Cigna HealthSpring Preferred – $100 and $6,500.

 

Part D Prescription Drug Plans (With Deductible)

Anthem BCBS Blue MedicareRx Plus – $0

Anthem BCBS Blue MedicareRx Premier – $0

Anthem BCBS Blue MedicareRx Value – $400

Express Scripts Medicare-Choice – $350

Express Scripts Medicare-Value – $400

SilverScript Choice – $0

SilverScript Plus – $0.

UnitedHealthcare – AARP MedicareRx Preferred – $0

UnitedHealthcare – AARP MedicareRx Walgreens – $400

Aetna Medicare Rx Saver – $330

First Health Part D Premier Plus – $0

First Health Part D Value Plus – $0

UnitedHealthcare – AARP MedicareRx Saver Plus – $0

UnitedHealthcare Symphonix Value rx – $400

Cigna-HealthSpring Rx Secure-Extra – $50

Cigna-HealthSpring Rx Secure – $400

EnvisionRxPlus – $400

Humana Enhanced – $400

Humana Preferred Rx – $400

Humana Walmart Rx – $400

WellCare Classic – $400

WellCare Extra – $0

Magellan Rx Medicare Basic – $400

 

Need cheap healthcare benefits fast

Missouri Temporary Health Insurance Is Very Inexpensive

 

Temporary Medical Coverage

If your need is temporary, or you missed an Open Enrollment deadline, and need inexpensive major medical coverage, a short-term plan is one of your best options. Rates are low, underwriting is simplified, and applications are generally approved within 36 hours. A wide choice of deductibles is typically offered ($250-$5,000) with several coinsurance and benefit options. However, pre-existing conditions are not covered, only one policy renewal is offered, and not all companies offer this type of policy.

Illustrated below are sample monthly rates for several scenarios. The carriers that offer the most competitive short-term plan options are UnitedHealthcare, Blue Cross Blue Shield Of Kansas City, HCC Life, National General, and IHC Group.

 

Age 30 Male Residing In Kansas City

$41 – Blue KC $5,000 deductible and 20% coinsurance.

$51 – UnitedHealthcare $10,000 deductible and 20% coinsurance.

$55 – HCC Life $7,500 deductible and 20% coinsurance.

$55 – Blue KC $2,500 deductible and 20% coinsurance.

$73 – Blue KC $1,000 deductible and 20% coinsurance.

$79 – HCC Life $500 Deductible and 50% coinsurance.

$87 – National General $5,000 deductible and 0% coinsurance.

$98 – Blue KC $500 deductible and 20% coinsurance.

 

Married Couple Ages 35 (2 Persons)  Residing In St. Louis

$102 – UnitedHealthcare $10,000 deductible and 20% coinsurance.

$107 – HCC Life $7,500 deductible and 20% coinsurance.

$166 – Blue KC $5,000 deductible and 20% coinsurance.

$194 – National General $5,000 deductible and 0% coinsurance.

$222 – HCC Life $500 Deductible and 50% coinsurance.

$227 – Blue KC $2,500 deductible and 20% coinsurance.

$324 – Blue KC $1,000 deductible and 20% coinsurance.

$409 – Blue KC $500 deductible and 20% coinsurance.

 

Age 50 Male Residing In Independence

$77 – Blue KC $5,000 deductible and 20% coinsurance.

$106 – Blue KC $2,500 deductible and 20% coinsurance.

$108 – UnitedHealthcare $10,000 deductible and 30% coinsurance.

$133 – UnitedHealthcare $5,000 deductible and 30% coinsurance.

$153 – Blue KC $1,000 deductible and 20% coinsurance.

$154 – HCC Life $7,500 deductible and 50% coinsurance.

$166 – UnitedHealthcare $2,500 deductible and 30% coinsurance.

$189 – Blue KC $5,00 deductible and 20% coinsurance.

$216 – National General $5,000 deductible and 20% coinsurance.