Missouri Health Insurance Quotes
Get a Quote »We offer individual, family and small business health insurance quotes in Missouri. Our most popular providers are Aetna, Anthem Blue Cross Blue Shield, Assurant, United Healthcare and Golden Rule.
We are an independent agency serving the entire state including St. Louis, Kansas City, Columbia, Jefferson City, Springfield and all places in between.
By clicking on the insurance logos/links below, you can quote the direct rates and compare coverages with all of our carriers.
United Healthcare – Golden Rule
- Very Affordable Monthly Rates
- Short Term Plans (1-12 months)
- Health Savings Accounts
- Dental and Vision Coverage
- Large Nationwide Network
Aetna Health Insurance Quotes
- Preventive Care Options
- Health Savings Accounts
- Nationwide Networks
- Add-On Dental Coverage
- Value and Comprehensive Plans
Anthem Blue Cross Blue Shield in MO
- Short Term Insurance
- Maternity Coverage
- Health Savings Accounts
- Dental and Life Insurance
- Small Doctor’s Office Copays
Assurant Health Insurance Coverage
- Mini-Med Child Only Health Plans
- Several Networks to Choose From
- Dental Insurance Options
- Health Savings Accounts
- Nationwide Health Insurance
We Can Help You Find The Right Coverage
There are several reasons you might be without health insurance. You could be self-employed, a small business owner, losing COBRA benefits, changing jobs or a college student. No matter the reason, we can help you find the most suitable medical coverage that best suits your needs and budget. Please call us and well will be happy to assist you.
We offer traditional pay-as-you-go permanent policies for those who need medical coverage for an indefinite period of time. Our carriers also provide short term monthly health insurance as well as student coverage for those who only need a policy for a short period of time.
Purchase Permanent Or Short Term Health Coverage?
If you are unsure how long you might need medical insurance coverage, then it is prudent to purchase permanent coverage that can be discontinued at a later date. A permanent health policy can be paid for month to month and cancelled at any time. There is never a long term contract or a fee or penalty to cancel the policy early.
With our guidance, purchasing a health insurance policy in Missouri is quick and easy. We provide direct links to our carriers for those who wish to quote on their own and purchase coverage online and direct from the carrier.
We will be happy to discuss your needs if you would like us to walk you through your options online. The cost is the same either way as prices are controlled by law. You can use our free software to quote Aetna, Anthem Blue Cross and Blue Shield, Assurant Health, Golden Rule, and United Healthcare.
Missouri Group And Small Business Health Insurance
We provide small business and large group health insurance quotes from several carriers. We will use your company census and/or universal applications to request accurate rates from several well known providers.
All providers offer large in-state and out of state networks should your employees travel extensively or if you are providing benefits for satellite offices outside of Missouri. We will work hard to find the lowest rates for our group clients.
We can also quote ancillary benefits such as dental, vision, life, disability, and long term care insurance coverage for small and large business groups alike. Our offerings can be self-paid, voluntary plans or those that are employer sponsored. Some carriers will have certain participation requirements for group insurance plans. Request a group quote here.
Maternity Health Insurance And Pregnancy Coverage
If you are in need of maternity insurance, there are a few viable options available. Not all carriers offer pregnancy benefits in the individual and family markets and most will have a waiting period before benefits will begin. It is important to note, that no insurance company will offer coverage once you are already pregnant, so it is important to plan ahead.
Anthem Blue Cross Blue Shield is popular; they have an 18 month waiting period to deliver – not conceive. It is wise to speak with an agent in order to understand the waiting period rules and to compare alternative options.
Health Savings Accounts – HSA Insurance Plans
Legislation was passed approving tax-favored savings accounts that can be coupled with a high deductible health insurance policy. These plans are referred to as Health Savings Accounts or HSA’s. They are gaining in popularity due to their tax advantages and flexibility.
(In some cases, policy owners are bypassing the maternity waiting period associated with most health policies and using a health savings account to save on a tax-advantaged basis toward a pregnancy and delivery.)
Money deposited in a HSA can be deducted from your income taxes. In 2013, an individual can deposit and deduct up to $3,250 while a family will have a limit of $6,450. Deposits grow tax-deferred and gain interest based on current savings rates or the performance of chosen investments.
When needed, funds can be withdrawn tax-free for qualified medical expenses – expenses such as reaching a deductible or coinsurance amount, dental/vision bills, or prescription costs for example. Unused funds remain in the account year after year for future medical expenses and always belong to the insured – even after the policy is cancelled. All of our carriers offer competitive HSA qualified plans.
Contact Us For Quotes And Assistance
We are a full service, independent Missouri health insurance agency offering quotes and prices online direct to consumer. There are no additional costs to use our services. We will help you find the most suitable medical coverage to meet your needs and budget.
Contact us to view quotes today!
