 The Missouri Health Insurance Pool program is offered by the State of Missouri and administered by Anthem Blue Cross and Blue Shield and Blue Cross and Blue Shield of Kansas City. The MHIP program is designed for residents who, because of high-risk status:
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are unable to obtain health care coverage
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have been involuntarily terminated from their health care coverage or
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are being charged more than 300 percent of standard premiums for health care coverage.
If one of these situations sounds like your own, we hope you will take a close look at the MHIP brochure and enrollment documents and consider applying for the MHIP Program.
The MHIP was established by and operates according to legislation enacted by the Missouri General Assembly in 1991. Although the MHIP is not an insurance company, it is supervised by the Missouri Department of Insurance.
The MHIP is funded by premiums paid by its enrollees and assessments paid by health insurers and HMOs that issue coverage to Missouri residents. There is no limit on the number of individuals who may be enrolled in the MHIP.
The MHIP offers individual health coverage through five major medical plans. Four plans differ only in the amount of the annual deductible and out-of-pocket maximums. Plan V is the new high deductible health plan designed only for use with a health savings account. Deductibles range from $500 to $5,000; out-of-pocket maximums range from $2,500 to $5,000. The maximum benefit payable on behalf of any individual during his or her lifetime under any plan or combination of plans the MHIP offers is $1,000,000 for all injuries and illnesses combined. See Benefits for a detailed description of each plan. Contact your plan administrator for clarification on the new plan V high deductible health plan for use with a health savings account.
Click here for the MHIP brochure
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