Orlando Harmon
Missouri offers a range of health insurance options for its residents, including private and public plans. The state has its own official State Health Insurance Assistance Program (SHIP) called Missouri SHIP (MO SHIP), which helps residents understand and choose the right Medicare plan. Additionally, Missouri offers MO HealthNet, which provides healthcare coverage for certain groups, such as the elderly and those in residential care facilities. The University of Missouri also offers health insurance to its graduate students, and employees at Missouri State University can opt for the MSU medical plan or choose their own plan on the Health Insurance Marketplace.
| Characteristics | Values |
|---|---|
| State Health Insurance Assistance Program | Missouri SHIP (MO SHIP) |
| Health Insurance Marketplace product | Ambetter from Home State Health |
| Medicare product | Wellcare by Allwell |
| Student Health Insurance | University of Missouri |
| University of Missouri's insurance partner | Anthem Blue Cross Blue Shield |
| Anthem's partner for international travel coverage | GeoBlue |
| Missouri's official health insurance assistance program | Missouri CLAIM |
| Missouri's health insurance for older adults | Program of All-Inclusive Care for the Elderly (PACE) |
| Missouri's health insurance premium payment program | Health Insurance Premium Payment (HIPP) Program |
| Missouri's supplemental nursing care program | Supplemental Nursing Care Program |
| Missouri's Medicare cost savings programs | QMB and SLMB |
| Missouri's supplemental aid for the blind | Supplemental Aid for the Blind |
| Missouri's blind pension | Blind Pension |
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What You'll Learn
Missouri SHIP (MO SHIP)
Missouri has various health insurance programs and services available to its residents. One of these is Missouri SHIP (MO SHIP), a nonprofit agency that provides free, unbiased, and confidential Medicare services. MO SHIP is certified by both the federal and state governments and does not sell any insurance products or charge for its services. Instead, it relies on volunteer counselors and community partners throughout Missouri to provide local Medicare counselling. These volunteers are trained and certified to help individuals understand their healthcare options and save money. MO SHIP assists those new to Medicare as well as Medicare experts.
MO HealthNet is another program in Missouri that offers healthcare coverage. It administers programs such as the Health Insurance Premium Payment (HIPP) Program, which helps pay for health insurance premiums for certain participants. MO HealthNet also includes the Supplemental Nursing Care Program, which provides a monthly allowance and cash payment for those living in residential or assisted living facilities. Additionally, MO HealthNet has Medicare Cost Savings Programs, Supplemental Aid for the Blind, and Blind Pension, all of which assist with healthcare costs.
The Program of All-Inclusive Care for the Elderly (PACE) is a joint initiative by MO HealthNet and Medicare. PACE aims to provide comprehensive health, social, recreational, and wellness services to older adults, enabling them to live safely in their homes instead of nursing facilities. This program is designed to help seniors age in place while receiving the care and support they need.
For those seeking health insurance options in Missouri, there are resources available to help navigate the various choices. Missouri SHIP (MO SHIP) is one such resource, offering free and confidential assistance with Medicare-related inquiries. Additionally, MO HealthNet provides coverage through different programs tailored to meet the needs of Missouri residents.
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$199.95 $245.95
Student medical insurance
The University of Missouri offers health insurance to support the medical needs of graduate students. Students must re-enroll each semester for ongoing coverage. MU Health Care is currently negotiating with Anthem Blue Cross Blue Shield, and the current policy coverage will remain unchanged through the end of the spring 2025 plan coverage period. Students can check the MU Health website for updates on the progress of negotiations. Enrollment is voluntary for students who are US citizens or permanent residents, while international students with F or J visa status are automatically enrolled in the international plan. Students with other visa types are required to carry insurance and must enroll.
The cost of the insurance premium depends on the choice of plan, the duration of coverage, and the number of family members covered. If you include dependents on your plan, you must first be enrolled in your own plan and then complete a dependent verification process to determine eligibility. The Student Health Center is available to all full-time students, and the mandatory student health fee is automatically charged to the accounts of graduate students taking at least seven hours of courses. Part-time graduate students who do not want to use the Student Health Center and do not pay the student health fee can still enroll in the insurance policy but will pay a higher deductible.
The Student Health Center uses the same insurance contracts as MU Health Care, which is contracted with a number of health insurance providers. Each insurance plan is unique, with specified benefits and coverage, as well as a designated network of providers. To ensure the Student Health Center is in-network, students can refer to the back of their insurance card and call the customer service phone number or check the insurance carrier's website. If a student's plan is not in-network, they may be able to explore "away from home care" or "guest membership" options.
The Health Insurance Premium Payment (HIPP) Program helps pay for the cost of health insurance premiums for certain MO HealthNet participants.
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Medicare Cost Savings Programs
The state of Missouri offers three Medicare Cost Savings Programs: The Qualified Medicare Beneficiary (QMB) program, the Specified Low-Income Beneficiary (SLMB) program, and the Qualified Individual (QI) program. These programs are designed to help individuals with low incomes and limited resources save money on their Medicare costs.
The QMB program is for individuals with a countable income of 100% of the Federal Poverty Guidelines (FPG) or less, which equates to $1,305 per month or less for those living alone. This program covers all Medicare cost-sharing, including Part B premiums, copayments, and deductibles. The SLMB program, on the other hand, assists individuals with a countable income of more than 100% of FPG but at or below 120% of FPG ($1,565 per month or less for those living alone). Under this program, only the Part B premium is covered.
The QI program, also known as SLMB-2 in Missouri, is designed for individuals with a countable income of more than 120% of FPG but at or below 135% of FPG ($1,761 per month or less for those living alone). Similar to the SLMB program, the QI program covers only the Part B premium. These Medicare Savings Programs can be extremely helpful in reducing the financial burden of healthcare costs for those who qualify.
Additionally, Missouri offers the Low-Income Subsidy (LIS), which can help with the costs associated with Medicare Part D. Individuals with very low incomes and limited resources may qualify for the LIS, which eliminates the need to pay a Part D premium or deductible and may result in lower copayments. This subsidy is automatically provided to those enrolled in a Medicare Savings Program. Missouri residents can also take advantage of the State Health Insurance Assistance Program (SHIP), which provides free Medicare counselling and education. Missouri SHIP counselors can assist with understanding Medicare Advantage plans, Medicare Supplement plans, and determining eligibility for cost-saving programs.
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Health Insurance Marketplace
Missouri uses the federally-facilitated Health Insurance Marketplace, HealthCare.gov. This is a website that allows users to shop for health plans offered by nine private insurance companies. Plan availability varies from one area of the state to another. If you buy a plan on the Marketplace, the government may help pay for it through an income-based advance premium tax credit.
To be eligible for financial assistance with your Marketplace coverage, you must meet certain criteria. Firstly, you must be lawfully present in the US and not incarcerated. Secondly, your income must not exceed a certain threshold, and you must not be eligible for affordable employer-sponsored health coverage. Additionally, you should not be eligible for Medicaid/CHIP (MO HealthNet) or premium-free Medicare Part A.
Through the ACA Marketplace, you may qualify for income-based subsidies called Advance Premium Tax Credits (APTC) that lower your premiums. As of early 2024, 95% of people with effectuated coverage through Missouri's exchange received premium subsidies, saving an average of $595 per month. The average after-subsidy premium was about $85 per month. If your income is not more than 250% of the federal poverty level, you may also be eligible for cost-sharing reductions (CSRs) if you enroll in a Silver-level plan. CSRs reduce your out-of-pocket costs when using your health insurance.
In addition to the Marketplace, Missouri offers various programs to assist with healthcare costs. The Health Insurance Premium Payment (HIPP) Program helps pay for the cost of health insurance premiums for certain MO HealthNet participants. The Program of All-Inclusive Care for the Elderly (PACE), administered by MO HealthNet and Medicare, provides comprehensive health, social, recreational, and wellness services to older adults, enabling them to live safely in their homes instead of nursing facilities.
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MO HealthNet
The state of Missouri offers medical insurance through MO HealthNet, a managed care program. MO HealthNet aims to improve healthcare quality, increase access to needed services, and enhance the efficiency of healthcare delivery for eligible low-income individuals, including custodial parents, pregnant women, and children. The program also seeks to control the rate of cost increase, allowing enrollees to choose a health plan that best suits their needs.
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Frequently asked questions
Missouri SHIP (MO SHIP) is the state's official Health Insurance Assistance Program. It is a nonprofit agency that helps people understand Medicare and choose the right plan.
MO HealthNet is Missouri's Medicaid program that provides health coverage to those who qualify. It also includes the Program of All-Inclusive Care for the Elderly (PACE), which provides comprehensive health care, social, recreational, and wellness services to older adults so they can live safely in their homes.
The HIPP Program helps pay for the cost of health insurance premiums for certain MO HealthNet participants.
Yes, the University of Missouri offers health insurance to support the medical needs of graduate students. Students must re-enroll each semester for ongoing coverage.
Yes, employees may decline the MSU medical plan and opt to purchase plans on the Health Insurance Marketplace (Health Insurance Exchange) under ACA rules.
