Missouri citizens who are having trouble obtaining affordable health insurance should research the Missouri Health Insurance Pool, or MHIP.
What is the Missouri Insurance Coverage Pool?
The MHIP is a program created to help Missouri residents who will not find affordable health care, and who do not qualify or are not covered under any other kind of health care insurance coverage plan.
The MHIP offers inpatient and outpatient hospital care; physician care; from other medical professionals; special health services and supplies; and prescription drug coverage.
Who sponsors the Missouri Health Care Insurance Coverage Pool?
The MHIP came into effect in 1991 thanks to the Missouri General Assembly. It also operates under the Assembly’s rules. However, the MHIP is administered by Blue Cross and Blue Shield of Missouri and Blue Cross and Blue Shield of Kansas City.
Who is eligible for the Missouri Health Insurance Pool?
The MHIP is ready to accept all Missouri residents depending on eligibility requirements, but those residents who have pre-existing health conditions and can not seem to find a health insurance company that will sell them an individual health insurance policy should be especially thinking about MHIP because while you can find stipulations on pre-existing conditions, the stipulations of the MHIP’s policy on pre-existing conditions is generally waived in certain circumstances.
Those Missouri residents who are not eligible for MHIP include those who are eligible for other kinds of health insurance coverage plans and programs such as a regular insurance coverage plan, a state-sponsored health insurance coverage plan, Medicaid, Medicare, and COBRA.
If the MHIP has already paid out $1 million in health care costs to an individual, he or she is no longer eligible. The same is true for individuals who are ineligible for health insurance policies a result of alcohol and substance abuse.
How do I find out more information about the Missouri Health Care Pool?
Contact the Missouri Department of Insurance, or visit the Missouri Health Insurance Pool official Site.
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