Personal professional enrollment support is available for all of the benefit plans listed on this page.
Send your question by e-mail for fast OnlineAdviser response.
Limited telephone support (800) 609-0683.
Office hours posted daily on Twitter
@FreedomBenefits
Most Liberal Eligibility
Core Health Insurance
- the nation's most popular defined benefit health plans with guaranteed acceptance
from US Fire Insurance Company
Value 24 Hour Accident
- up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance.
Value Emergency Room
- add $1,000 additional emergency room coverage for $1 per day for the whole family
Most Affordable
Secure Lite STM
- the lowest priced major medical insurance for 1 to 12 months
Secure Saver STM
- $2 million maximum coverage for 1-12 months at an ultra-low rate
Value Med Insurance
- 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits
Long Term Major Medical
Celticare
- well-known renewable individual major medical insurance for
discriminating healthy applicants
UnitedHealthcare
- Golden Rule Insurance, a member of America's largest health plan
Dental Insurance
Secure DentalOne
- one lifetime deductible of $100 and then up to $1,250 per year coverage
Online Life Insurance
International Term Life
- up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US
QuoteIntelligence Term life insurance
- find the lowest rates, compare features &
eligibility requirements and then apply online with the
best insurance companies in less than 30 seconds.
|
|
|
Missouri health insurance exchange
More than ten
commercial
insurance companies
offer individual
major medical
insurance in
Missouri and 50
small group health
insurance plans as
well as the
state-sponsored
Missouri High Risk Health
Plan is
available to residents
who have been
declined for
commercial health
insurance due to a
pre-existing
condition. These
standard health
insurance plans may
not be affordable to
all residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.
|
|
Missouri insurance & benefit news
Missouri had the
16th lowest health
insurance costs of
all states in 2008
with an average
family premium of
$11,557 per year.
(The average annual
premium for a U.S.
family covered under
an
employer-sponsored
health plan in 2008
was $12,298
according to
The
Commonwealth Fund
report. The
overall quality of
health care
ranked 36th out of
the 51 states
(including DC).
Missouri is the only state that requires all employers to
maintain a
tax-qualified
employee benefit
called a Section 125
premium-only plan.
Short Term Insurance
Markel Smart STM
- popular and affordable short term major medical insurance with fast online approval
Secure STM
- along with its 12 month and 36 month options, this may be the highest quality short term
coverage
Intermediate Term
Inbound Immigrant
- up to five years of liberal health insurance coverage after immigration including maternity coverage,
emergency and other essential benefits
Supplemental Insurance
Smart Accident Insurance
- supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits.
|
|
Missouri Insurance Law
The
Missouri Department
of Insurance Web site contains
a link to the full
text of all of the
state's insurance
laws as well as an
online form that
allows consumers to
submit insurance
questions.
The Web site has not yet
developed resources
to help individuals
find
commercial low cost
health plans like
mini-med or core
coverage, specific
illness policies,
supplemental
insurance and
basic health
insurance.
The state insurance department can be reached by telephone at (573) 751-4126 or by mail at PO Box 690,
Jefferson City MO 65102. The state children's health insurance plan (CHIP) Web
site is
Missouri HealthNet for Kids (MHK).
Non-insurance Discount Plans
Careington PPO Discount Plans
- the nation's leading network PPO discount provider allows a no-risk trial
of any discount plan for only a $20 processing fee
Rx Pay Card
- $10, $20, or $30 payments for hundreds of popular prescriptions.
|
|
|
Missouri Insurance News
2/12/2011 With dozens of health plans
choices available online offering a wide range of pricing and benefits, how do
you find the best combination of price and benefits? Celtic Insurance realizes
that the choices can be overwhelming; the company offers more than 40 possible
health plan designs in many parts of the United States. A new feature called "Help
Me Choose" lets users easily and quickly select the benefits they value most
and narrows the list down to a few of the best choices. No personal information
is required other than zip code and date of birth.
1/19/2011 Child-only health insurance for children with
significant medical problems will be available through an open enrollment period
mandated by federal state law during the month of March. All children,
regardless of medical condition, continue to be eligible for insurance when
applying as a dependent on a parent’s policy and healthy children are eligible
for child-only insurance at any time. When applying for child-only insurance for
more than one child, make a separate application for each child.
12/16/2010 Missouri Department of Insurance officials met representatives of 44 other states and numerous employees of the federal Health and Human Services Department in Washington DC this week for a two-day working meeting to discuss the next steps in establish a government-run health insurance exchange under the American Health Benefit Exchange Model Act. Their
attendance at this meeting was paid for by a $1 million federal grant awarded by HHS in September to the state for research how to set up an insurance exchange. Two states (Alaska and Minnesota) declined to participate, saying that it was a waste of taxpayer money. Four other states (not identified in press reports) that received federal grants did not send representatives to the meeting. Attendees included representatives of 16 states that are suing the federal government in an attempt to overturn the federal health reform law; specifically the requirement that forces individuals to buy health insurance on the insurance exchange or pay a hefty tax fine.
In its initial federal grant request for the insurance exchange project,
Missouri said that it would:
1) Provide a planning and development infrastructure to support launching an insurance Exchange,
2) Determine the organizational structure of any such Exchange,
3) Explore the establishment of a regional Exchange with neighboring States, and
4) Compile cost estimates for providing coverage to potential populations and gather health status for such populations.
The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used
providing health benefits to the public. We proposed on the
Universal
Health Insurance blog that adequate commercial insurance sales systems are
already in place that could be modified in a public/private partnership to make
health insurance more affordable.
7/18/2010 A new high risk health insurance
plan run by RightChoice, a subsidiary of Anthem Blue Cross and Blue Shield is
now available. Premiums are paid in part by a federal grant of $81 million that
reduces the premium cost. Premiums are the same as other similar commercial
insurance at $423 to $972 per month, depending on age. The annual deductible
set at $1,000 and out-of-pocket expenditures limited to $5,950. The
state’s previous high-risk pool called Missouri Health Insurance Pool (MHIP) has
operated since 1991 and has more than 4,000 enrollees, charges higher rates.
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in Missouri is now available at Freedom Benefits.
5/11/2010 Missouri voters will decide the
fate of the health insurance mandate in the upcoming August 2 general election. Legal experts predict that
the federal law requiring insurance will eventually prevail, regardless of
strong public opposition, but we could face years of legal wrangling and
consumer confusion ahead.
|