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.

 

Sample Under-65 Monthly Rates For Different Areas

 

St. Louis County – 35 Year-Old With $30,000 Household Income

$26 – Cigna Connect 7000

$56 – Cigna Connect 6650

$160 – Cigna Connect 3000-2

$179 – Ambetter Essential Care 1

$201 – Ambetter Balanced Care 4

 

St. Louis County – 40 Year-Old Married Couple With Two Children (4 Persons) With $78,000 Household Income

$26 – Cigna Connect 7000

$128 – Cigna Connect 6650

$480 – Cigna Connect 4500

$546 – Ambetter Essential Care 1

$621 – Ambetter Balanced Care 4

 

Jackson County – 55 Year-Old With $45,000 Household Income

$19 – Cigna Connect 7000

$83 – Cigna Connect 6650

$300 – Cigna Connect 4500

$313 – Ambetter Essential Care 1

$359 – Ambetter Balanced Care 4

 

Jackson County – 30 Year-Old Married Couple With One Child (3 Persons) With $40,000 Household Income (Child Covered By CHIP)

$0 – Cigna Connect 7000

$0 – Cigna Connect 6650

$45 – Cigna Connect 900

$159 – Ambetter Essential Care 1

$205 – Ambetter Balanced Care 4

 

Camp Girardeau County – 45 Year-Old With $45,000 Household Income

$257 – Anthem Bronze Pathway X 5450

$259 – Anthem Bronze Pathway X 4950

$270 – Anthem Bronze Pathway X 0 For HSA

$282 – Anthem Bronze Pathway X 20 For HSA

$285 – Anthem Bronze Pathway X 6350

 

Camp Girardeau County – 62 Year-Old Married Couple (2 Persons) With $60,000 Household Income

$65 – Anthem Bronze Pathway X 5450

$73 – Anthem Bronze Pathway X 4950

$117 – Anthem Bronze Pathway X 0 For HSA

$164 – Anthem Bronze Pathway X 20 For HSA

$369 – Anthem Silver Pathway X 6000

 

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, Clay, And Jackson Counties

 

Plan A

$113 – 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

$190 – Manhattan Life

$198 – AARP-UnitedHealthcare

$222 – Humana

$243 – United American

 

Plan F (High Deductible)

$42 – United America

$56 – Cigna

$60 – Mutual Of Omaha

$63 – Humana

$100 – American Continental

 

Plan F

$179 – Combined Insurance

$182 – Pekin Life

$183 – Cigna

$185 – Manhattan Life

$199 – Companion Life

$201 – AARP-UnitedHealthcare

$202 – Transamerica

$210 – Individual Assurance

$210 – Mutual Of Omaha

$219 – Oxford Life

$227 – Humana

$249 – United American

$290 – Equitable

$293 – American Continental

$313 – Medico

$329 – Gerber

 

Plan G

$130 – Transamerica

$137 – Pekin Life

$148 – Individual Assurance

$149 – Manhattan Life

$150 – American Continental Life

$151 – Mutual Of Omaha

$158 – Cigna

$170 – Equitable

$173 – AARP-UnitedHealthcare

$176 – Oxford Life

$226 – Equitable

$231 – United American

$257 – Gerber

 

Plan N

$113 – Pekin Life

$119 – Manhattan Life

$129 – Christian Fidelity Life

$130 – Cigna

$130 – Individual Assurance

$132 – Mutual Of Omaha

$134 – AARP-UnitedHealthcare

$134 – Transamerica

$140 – Western Catholic Union

$148 – Oxford Life

$153 – Combined Insurance

$157 – Humana

$181 – United American

$182 – Medico

$183 – Equitable Life

$193 – American Continental

 

Greene County

 

Plan A

$100 – Transamerica

$113 – AARP-UnitedHealthcare

$114 – Pekin Life

$117 – Companion Life

$126 – Christian Fidelity Life

$126 – Combined Insurance

$129 – Manhattan Life

$130 – Mutual Of Omaha

$130 – United American

$131 – Thrivent

$132 – Individual Assurance

$132 – Cigna

$145 – Oxford Life

$150 – Equitable Life

$155 – Humana

$165 – Medico

$189 – Gerber

$190 – American Continental

 

Plan C

$156 – Transamerica

$159 – Christian Fidelity Life

$165 – Manhattan Life

$193 – Thrivent

$198 – 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

 

Plan F

$179 – Combined Insurance

$182 – Pekin Life

$183 – Cigna

$185 – Manhattan Life

$199 – Companion Life

$200 – AARP-UnitedHealthcare

$201 – Transamerica

$210 – Individual Assurance

$210 – Mutual Of Omaha

$210 – Humana

$219 – Oxford Life

$227 – Humana

$249 – United American

$290 – Equitable

$293 – American Continental

$313 – Medico

$329 – Gerber

 

Plan N

$102 – Pekin Life

$104 – Manhattan Life

$112 – Individual Assurance

$112 – Oxford Life

$112 – Cigna

$119 – Mutual Of Omaha

$124 – AARP-UnitedHealthcare

$136 – Combined Insurance

$139 – Transamerica

$146 – Humana

$149 – Medico

$161 – Equitable

$181 – United American

$183 – 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. Prices, benefits, and availability may vary, depending upon your county of residence.

Advantra – $0 and $6,000

Advantra Freedom – $150/$0 and $6,500

Advantra Option 1 – $0 and $5,200

Advantra Option 2 – $0 and $2,430

Care Improvement Plus Medicare Advantage –  $150 and $6,700

HumanaChoice R1532-002 – $250 and $6,700

HumanaChoice H5216-033 – $195 and $6,700

HumanaChoice H5216-032 – $195 and $6,700

 

 

 

Missouri Part D Prescription Drug Plan Monthly Rates

Humana Walmart Rx – $20.40 with $405 deductible and 3,155 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), 23% (Tier 3), 35% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), 23% (Tier 3), 35% (Tier 4), and n/a (Tier 5).

Express Scrips Medicare Saver – $22.60 with $405 deductible and 2,956 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), 18% (Tier 3), 46% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), 18% (Tier 3), n/a (Tier 4), and n/a (Tier 5).

Express Scrips Medicare Value – $47.10 with $405 deductible and 3,153 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $3 (Tier 2), $21 (Tier 3), 48% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $9 (Tier 2), $63 (Tier 3), n/a (Tier 4), and n/a (Tier 5).

SilverScript Choice – $24.10 with $0 deductible and 3,052 available formulary drugs. 30-day supply cost-sharing is $3 (Tier 1), $11 (Tier 2), $35 (Tier 3), 35% (Tier 4), and 33% (Tier 5). 90-day supply cost-sharing is $7.50 (Tier 1), $27.50 (Tier 2), $87.50 (Tier 3), 35% (Tier 4), and n/a (Tier 5).

SilverScript Plus – $46.20 with $0 deductible and 3,150 available formulary drugs. 30-day supply cost-sharing is $2 (Tier 1), $8 (Tier 2), $40 (Tier 3), 46% (Tier 4), and 33% (Tier 5). 90-day supply cost-sharing is $5 (Tier 1), $20 (Tier 2), $100 (Tier 3), $46 (Tier 4), and n/a (Tier 5).

AARP MedicareRx Walgreens – $26.80 with $405 deductible and 3,037 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), $31 (Tier 3), 32% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $18 (Tier 2), $93 (Tier 3), 32% (Tier 4), and 25% (Tier 5).

Aetna Medicare Rx Saver – $28.30 with $245 deductible and 3,416 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $2 (Tier 2), $30 (Tier 3), 35% (Tier 4), and 28% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $3 (Tier 2), $90 (Tier 3), 35% (Tier 4), and n/a (Tier 5).

WellCare Classic – $29.60 with $0 deductible and 2,990 available formulary drugs. 30-day supply cost-sharing is $5 (Tier 1), $15 (Tier 2), $40 (Tier 3), 48% (Tier 4), and 33% (Tier 5). 90-day supply cost-sharing is $15 (Tier 1), $45 (Tier 2), $120 (Tier 3), 48% (Tier 4), and n/a (Tier 5).

Symphonix Value Rx – $37.10 with $405 deductible and 3,191 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $3 (Tier 2), $31 (Tier 3), 33% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $9 (Tier 2), $93 (Tier 3), 33% (Tier 4), and 25% (Tier 5).

 

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.