Missouri Insurance FAQs

• Q: What Happens To My Group Health Coverage If Leave My Employer?
  A: If your employer has more than 20 employees, it is subject to the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) law and entitled to a minimum of 18 … More
• Q: What Options Do I Have If My Employer Isnt Large Enough To Be Affected By Cobra?
  A: If your employer has less than 20 employees, you are entitled to 9 months of continued group health coverage with your employers group plan under Missouri law (376.428 …
• Q: Can My Health Insurance Carrier Continue To Raise My Premium Rates?
  A: Yes. Missouri is an open competition state and, as such, we do not have the authority to regulate premiums on most types of health insurance. Our state relies on … More
• Q: Can Health Insurance Companies Deny My Application For Individual Insurance Due To A Health Condition?
  A: Yes, the company has the right to deny coverage for almost any reason on a new application. However, once you are accepted for coverage the company cannot cancel your … More
• Q: What Is A Preexisting Condition?
  A: This is normally a physical or mental condition for which medical advice; diagnosis, care or treatment is recommended or received before the effective date of the … More
• Q: If I Change From One Individual Health Policy To Another, Can The Company Impose Preexisting Condition Exclusion On The New Policy?
  A: Yes.
• Q: What Is An Hmo?
  A: HMO stands for Health Maintenance Organization, a managed care plan where you have the ability to choose your primary care physician (PCP) from a list of network … More
• Q: Can My Doctor Bill Me For The Services I Received When I Am Covered Under An Hmo?
  A: No. Under Missouri law, a network contracting provider cannot bill you even if the insurance company is slow in paying; and they cannot bill you for the difference … More
• Q: What Happens If The Hmo Denies My Claim For Payment Of Services?
  A: The company must have an appeal process for you to follow. There is a first and second level appeal process in which you and your physician can present documentation … More
• Q: What Is Long-Term Care Insurance?
  A: These are individual insurance policies that may help you when you are unable to take care of yourself due to prolonged illness or disability. However, policies may or … More
• Q: What Is The Difference Between A Qualified And A Non-Qualified Plan?
  A: Benefits paid by a qualified long­term care plan generally are not taxable as income. Benefits from a non­qualified long­term care plan may be taxable as … More

Click here to view general Insurance FAQs