Oct 01, 2020 Oscar is an HMO with a Medicare contract. Enrollment in Oscar depends on contract renewal.The Silver&Fit program is provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health Incorporated (ASH). $50 Copay: Specialist Visit: $90 Copay after deductible: Emergency Room: 50% Coinsurance after deductible: Inpatient Facility: 50% Coinsurance after deductible: Inpatient Physician: 50% Coinsurance after deductible: Drug Costs; Generic Drugs: $3 Copay: Preferred Brand Drugs: 50% Coinsurance after deductible: Non-preferred Brand Drugs: 50% Coinsurance after deductible. Oscar Classic plans generally match the policy and structures of most of the plans on the individual insurance market. However, Oscar Simple plans are easier to understand, because clients only have one dollar amount to remember: all covered services are free after clients hit their deductible.
Find low-cost healthcare coverage in Missouri for individuals and families. Quality benefits and affordable rates are available from many top-rated companies that offer comprehensive, catastrophic, high-deductible, and Senior Medigap plans. Easily compare, review, and enroll in the best available medical plans in your area at the cheapest available cost. Since there is no underwriting, pre-existing conditions are covered, and your premium could substantially reduce if you qualify for a federal subsidy.
Our free MO instant health insurance quotes show you prices from major under-65 and Senior carriers, including Blue Cross Blue Shield of Kansas City, Humana, UnitedHealthcare, Cigna, Coventry, Healthy Alliance Life (Anthem), Ambetter, Cox Health Systems, Oscar, SSM, and Medica. Small Group plans are also available from Aetna, Cox, Federated Mutual, and UnitedHealthcare. Many low-cost plans are also offered to the self-employed, students, persons that only need short-coverage, and small business owners seeking coverage for their employees.
Senior Missouri Medigap policies are also available if you have reached age 65 and are Medicare-eligible with Parts A and B covered. Supplement, Advantage, and Part D prescription drug plans can pay for many potential out-of-pocket costs, including copays, coinsurance, and deductibles. The Open Enrollment period (October 15th through December 7th) is also different than the under-65 OE period.
Missouri Companies Offering 2021 Private Individual Health Insurance (Under Age 65)
Oscar Bronze Classic PCP Copay by Oscar Insurance Company. 2021 Plan Details. Deductible (per individual) $6,000 /yr: Deductible (per family) $12,000 /yr.
Cigna – Cigna is another large publicly-traded company that has a big individual, group, and Senior portfolio. As a Fortune 100 Company, more than 15 million persons are covered worldwide. Their Connect 3000, Connect 4000, and Connect HSA 5500 are very popular options in Missouri. More than 50,000 persons are covered with Exchange plans and their average 2020 rates slightly reduced.
Anthem Blue Cross And Blue Shield – Healthy Alliance Life was previously purchased by Anthem Blue Cross Blue Shield. BCBS has one of the biggest US networks, with thousands of doctors, specialists, and additional medical facilities. PPO and HMO options are offered, along with short-term plans for applicants that need only temporary benefits. Dental, vision, and term life coverage is also offered.
Ambetter – Ambetter plans are available in many states, and are offered through Centene Corporation, a Fortune 500 company with more than three decades of managed-care experience. Typically, their plan rates are extremely competitive. Coverage is offered in 57 counties.
Medica – Available in the Kansas City metropolitan area, Medica offers access to the St. Lukes Health System, Stormont Vail Health providers, and additional eastern Kansas and western Missouri doctors and facilities. More than 25 hospitals are included in the network. With less than 4,000 members, Medica does not have a large market share.
Oscar – Oscar is a patient-oriented eight-year-old company that underwrites coverage in 15 states. Plans are available in the Kansas City area (Platte, Clay, Cass, and Jackson Counties).
Cox Health Systems – Cox specializes in coverage in the Southwestern portion of the state with six hospitals and 80 clinics. Plans are offered in seven Springfield-area counties. They are Webster, Taney, Stone, Lawrence, Greene, Christian, and Barry.
SSM Health – SSM is a Catholic non-profit organization that provides benefits in four states. Plans are available in St. Louis (city), St. Louis County, and St. Charles County.
Blue Cross Blue Shield Of Kansas City originally offered plans in 32 counties located in the Kansas City area, Northwest Missouri, and two Kansas counties (Wyandotte and Johnson). With more than one million subscribers, they previously featured a wide variety of single and family plan options, including medical, dental, and travel coverage.
2021 Single Risk Pool Proposed Average Rate Filings (Changes)
Individual Plans
BCBS Of Kansas City – no change
Celtic – 9.10% increase
Cigna – 1.40% increase
Cox Health Systems – 13.60% increase
Healthy Alliance – 1.46% decrease
Medica – 7.46% decrease
Oscar – 6.40% increase
SSM – .49% decrease
Small Group Plans
Aetna Health – 10.62% increase
Aetna Life – 7.85% increase
BCBS Of Kansas City – 6.32% increase
Cox Health Systems – .40% decrease
Healthy Alliance – 1.36% increase
Humana – 10.82% increase
UnitedHealthcare – 10.60% increase
Affordable Missouri Health Insurance Is Available During And After Open Enrollment
Most Affordable Missouri Health Insurance Plans (Under Age 65)
Catastrophic Plans
Anthem BCBS Catastrophic Pathway X 8550 – $40 copay for first three pcp office visits. $8,550 deductible with $8,550 maximum out-of-pocket expenses and 0% coinsurance. Plan is only available to applicants under age 30, or applicants that can prove “financial hardship.”
SSM Health WellFirst Catastrophic Safety Net – $0 copay for first three pcp office visits. $8,550 deductible with $8,550 maximum out-of-pocket expenses and 0% coinsurance. Plan is only available to applicants under age 30, or applicants that can prove “financial hardship.”
Medica Bronze Catastrophic – $30 copay for first three pcp office visits ($20 for retail health clinics). $8,550 deductible with $8,550 maximum out-of-pocket expenses and 0% coinsurance. Plan is only available to applicants under age 30, or applicants that can prove “financial hardship.”
Oscar Simple Secure – $0 copay for first three non-preventative office visits. $8,550 deductible with $8,550 maximum out-of-pocket expenses and 0% coinsurance. Plan is only available to applicants under age 30, or applicants that can prove “financial hardship.”
Oscar Bronze Classic Pcp Copay Online
Bronze Plans
Anthem Bronze Pathway X 5950 – $5,950 deductible with maximum out-of-pocket expenses of $8,550 and 40% coinsurance. $50 and $85 office visit copays and $75 Urgent Care copay. Deductible and coinsurance applies to all prescriptions.
Anthem Bronze Pathway X 4400 Online Plus – $4,400deductible with maximum out-of-pocket expenses of $8,550 and 30% coinsurance. $20 and $40 ($60 and $150 mail order) Tier 1 and Tier 2 drug copays.
Anthem Bronze Pathway X 0 For HSA – HSA-eligible plan with $6,850 deductible with maximum out-of-pocket expenses of $6,850 and 0% coinsurance. All non-preventative expenses must meet deductible and coinsurance.
Anthem Bronze Pathway X 20 For HSA – HSA-eligible plan with $5,900 deductible with maximum out-of-pocket expenses of $7,000 and 20% coinsurance. All non-preventative expenses must meet deductible and coinsurance.
Anthem Bronze Pathway X 6350 – $6,350 deductible with maximum out-of-pocket expenses of $8,350 and 20% coinsurance. $30 and $60 office visit copays for the first two visits. Urgent Care copay is $75. Tier 1 and Tier 2 drug copays are $30 and $60.
Cigna Connect 8550 – $8,550 deductible with maximum out-of-pocket expenses of $8,550 and 0% coinsurance.
Cigna Connect 7000 – $7,000 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. $60 pcp office visit copay. $75 Urgent Care copay.
Cigna Connect 5900 – $5,900 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. $50 pcp office visit copay and $75 Urgent Care copay. Preferred generic drug copays are $10 (retail) and $30 (home delivery).
WellFirst Bronze HSA-E 6850X – HSA-eligible plan with $6,850 deductible with maximum out-of-pocket expenses of $6,850 and 0% coinsurance. All non-preventative expenses must meet deductible and coinsurance.
WellFirst Bronze Value Copay 8500X – $125 copay for first three pcp office visits. $8,500 deductible with $8,500 maximum out-of-pocket expenses and 0% coinsurance.
WellFirst Bronze Copay Plus 8500X – $30 and $60 office visit copays. $8,500 deductible with $8,500 maximum out-of-pocket expenses and 0% coinsurance. $15 preferred drug copay ($30 mail order).
Oscar Bronze Classic PCP Copay– $6,000 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. $50 and $90 office visit copays. $3 copay for generic drugs ($7.50 for 90-day home delivery).
Oscar Bronze Classic – $6,000 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. $75 Urgent Care copay. $3 copay for generic drugs ($7.50 for 90-day home delivery).
Ambetter Essential Care 1 – $8,300 deductible with maximum out-of-pocket expenses of $8,300 and 0% coinsurance. $25 copay for generic drugs ($67.50 for 90-day home delivery).
Medica Bronze Copay $5 Preferred Primary Care – $7,500 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. Office visit copays are $80 and $150. Preferred primary care pcp office visit copay is $5. The Urgent Care copay is $80. The generic and preferred brand drug copays are $25, and $165.
Medica Bronze Share Plus – $2,300 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. The generic and preferred brand drug copays are $30, and $200.
Medica Bronze HSA – HSA-eligible plan with $6,700 deductible with maximum out-of-pocket expenses of $7,000 and 20% coinsurance. All non-preventative expenses must meet deductible and coinsurance.
Cox Health Plans Bronze Connect 1 – $8,000 deductible with $8,000 maximum out-of-pocket expenses and 0% coinsurance. $20 copay for generic drugs ($50 for 90-day home delivery).
Silver Plans
Anthem Silver Pathway X 6750 – $6,750 deductible with maximum out-of-pocket expenses of $8,550 and 35% coinsurance. $40 pcp office visits copay but specialist visits are subject to deductible. Urgent Care copay is $75. Tier 1 and Tier 2 drug copays are $20 and $60.
Anthem Silver Pathway X 6000 – $6,000 deductible with maximum out-of-pocket expenses of $7,500 and 25% coinsurance. $30 pcp office visits copay but specialist visits are subject to deductible. $75 Urgent Care copay. Tier 1 and Tier 2 drug copays are $20 and $50.
Anthem Silver Pathway X 4500 – $4,500 deductible with maximum out-of-pocket expenses of $6,800 and 20% coinsurance. $35 pcp office visits copay but specialist visits are subject to deductible. Tier 1 and Tier 2 drug copays are $20 and $50.
Anthem Silver Pathway X 3950 – $3,950 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. $45 and $75 office visit copays. The Urgent Care copay is $75. Tier 1 and Tier 2 drug copays are $10 and $50 ($30 and $150 mail order).
Cigna Connect 5500 – $5,500 deductible with maximum out-of-pocket expenses of $8,550 and 40% coinsurance. $25 and $75 office visit copays. The Urgent Care copay is $35. $10 and $25 copays for preferred generic and non- preferred generic drugs. 90-day home delivery copays are $30 and $75.
Cigna Connect 7300 – $7,300 deductible with maximum out-of-pocket expenses of $7,300 and 0% coinsurance. $30 and $80 office visit copays. The Urgent Care copay is $35. $10 and $35 copays for preferred generic and non- preferred generic drugs. 90-day home delivery copays are $30 and $105.
Cigna Connect 4500 – $4,500 deductible with maximum out-of-pocket expenses of $8,550 and 50% coinsurance. $25 and $75 office visit copays. The Urgent Care copay is $35. $10 and $25 copays for preferred generic and non- preferred generic drugs. 90-day home delivery copays are $30 and $75.
Ambetter Balanced Care 11 – $6,000 deductible with maximum out-of-pocket expenses of $8,500 and 40% coinsurance. $30 and $60 office visit copays with $60 Urgent Care copay. $20 copay for generic drugs ($50 for 90-day home delivery). Preferred brand drug copays are $55 and $138.50.
Ambetter Balanced Care 29 – $5,450 deductible with maximum out-of-pocket expenses of $8,400 and 35% coinsurance. $30 pcp office visit copay with $60 Urgent Care copay. $35 copay for generic drugs ($87.50 for 90-day home delivery). Preferred brand drug copays are $75 and $187.50.
Ambetter Balanced Care 4 – $7,050 deductible with maximum out-of-pocket expenses of $7,050 and 0% coinsurance. $30 and $60 office visit copays with $60 Urgent Care copay. $15 copay for generic drugs ($37.50 for 90-day home delivery). Preferred brand drug copays are $50 and $125.
WellFirst Health HSA-E 4000X – HSA-eligible plan with $4,000 deductible with maximum out-of-pocket expenses of $6,750 and 20% coinsurance.
Medica Silver Copay – $4,600 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. Office visit copays are $30 and $60. The Urgent Care copay is $30. The generic, and preferred brand drug copays are $20, and $120.
Oscar Classic Silver Next – $7,000 deductible with maximum out-of-pocket expenses of $8,150 and 40% coinsurance. $25 and $75 office visit copays with $100 Urgent Care copay. $3 copay for generic drugs ($7.50 for mail order). Preferred brand drug copays are $100 and $250.
Gold Plans
Ambetter Secure Care 5– $1,250 deductible with maximum out-of-pocket expenses of $5,900 and 20% coinsurance. $15 and $35 office visit copays with $35 Urgent Care copay. $15 copay for generic drugs ($37.50 for 90-day home delivery). Preferred brand drug copays are $30 and $75.
Anthem BCBS Gold Pathway X 1250 – $1,250 deductible with maximum out-of-pocket expenses of $8,150 and 15% coinsurance. $25 pcp office visit copay. The Urgent Care copay is $75. $20 and $45 copays for generic and preferred brand drugs/ non-preferred generic drugs.
Cigna Connect 1000 – $1,000 deductible with maximum out-of-pocket expenses of $6,900 and 30% coinsurance. $15 pcp office visit copay. The Urgent Care copay is $50. $8 and $15 copays for generic and preferred brand drugs. 90-day home delivery copays are $24 and $45. Preferred brand copays are $50 and $150.
WellFirst Gold Value Copay 3700X – $3,700 deductible with maximum out-of-pocket expenses of $3,700 and 0% coinsurance. $25 pcp office visit copay for the first three visits but specialist visits are subject to deductible. Preferred generic drug copay is $15.
WellFirst Gold Value Copay 1500X – $1,500 deductible with maximum out-of-pocket expenses of $3,000 and 20% coinsurance. $30 and $60 office visit copays Preferred generic drug copay is $15. Non-preferred generic and preferred brand drug copays are $50.
Medico MO Select Gold Share – $550 deductible with maximum out-of-pocket expenses of $7,200 and 35% coinsurance. Generic and preferred brand drug copays are $15 and $70.
Medico MO Select Gold Copay – $850 deductible with maximum out-of-pocket expenses of $7,400 and 30% coinsurance. $30 and $60 office visit copays. Generic and preferred brand drug copays are $15 and $70.
Sample Under-65 Monthly Rates For Different Areas
St. Louis County – 35 Year-Old With $27,000 Household Income
$64 – WellFirst Bronze HSA-E 6700X
$68 – WellFirst Bronze Value Copay 8100
$70 – WellFirst Bronze Copay Plus 8100X
$105 – Cigna Connect 7000
$107 – Ambetter Essential Care 1
St. Louis County – 40 Year-Old Married Couple With Two Children (4 Persons) With $80,000 Household Income
$326 – WellFirst Bronze HSA-E 6700X
$339 – WellFirst Bronze Value Copay 8100
$347 – WellFirst Bronze Copay Plus 8100X
$466 – Cigna Connect 7000
$472 – Ambetter Essential Care 1
Jackson County – 55 Year-Old With $36,000 Household Income
$169 – Cigna Connect 7000
$170 – Oscar Classic Bronze
$174 – Oscar Simple Bronze
$178 – Cigna Connect 5900
$178 – Ambetter Essential Care 1
Jackson County – 30 Year-Old Married Couple With One Child (3 Persons) With $40,000 Household Income (Child Covered By CHIP)
$81 – Cigna Connect 7000
$82 – Oscar Classic Bronze
$85 – Oscar Simple Bronze
$90 – Cigna Connect 5900
$90 – Ambetter Essential Care 1
Camp Girardeau County – 45 Year-Old With $45,000 Household Income
$157 – Anthem Bronze Pathway X 4950
$158 – Anthem Bronze Pathway X 5450
$170 – Anthem Bronze Pathway X 0 For HSA
$187 – Anthem Bronze Pathway X 20 For HSA
$196 – Anthem Bronze Pathway X 6350
Camp Girardeau County – 63 Year-Old Married Couple (2 Persons) With $65,000 Household Income
$0 – Anthem Bronze Pathway X 6350
$0 – Anthem Bronze Pathway X 0 For HSA
$0 – Anthem Bronze Pathway X 20 For HSA
$0 – Anthem Bronze Pathway X 5450
$0 – Anthem Bronze Pathway X 4950
St. Charles County – 55 Year-Old With $45,000 Household Income
$193 – WellFirst Bronze HSA-E 6700X
$200 – WellFirst Value Copay 8100X
$204 – WellFirst Bronze Copay Plus 8100X
$268 – Cigna Connect 7000
$271 – Ambetter Essential Care 1
St. Charles County – 55 Year-Old Married Couple And Child (3 Persons) With $80,000 Household Income
$227 – WellFirst Bronze HSA-E 6700X
$243 – WellFirst Value Copay 8100X
$253 – WellFirst Bronze Copay Plus 8100X
$402 – Cigna Connect 7000
$410 – Ambetter Essential Care 1
Missouri Health Insurance Coverage For Seniors
The Missouri Department of Insurance regulates the carriers that offer plans to Seniors. Eleven Supplement plan options are available from many participating companies. Generally, you must be enrolled in Medicare Part A and Part B to apply for Medigap benefits. A six-month Open Enrollment period is provided when Part B begins. Most persons become eligible for Medicare when they reach age 65. Additional eligibility is available for persons that have been diagnosed with Lou Gehrig’s Disease or end-stage renal disease. Persons disabled and receiving Social Security income for 24 months should also qualify.
Supplement plans (A-N) are issued by licensed insurance companies. M and N policies are typically the least expensive option. Part C (Advantage contracts) are also provided insurers, and often cost significantly less than Supplement plans. Often, prescription drug benefits are included. Otherwise, separate Part D plans can be purchased. Premiums on all contracts are usually billed monthly, although additional options are offered. Customers are also entitled to a refund of the unused portion of the policy, if the cancellation request is received before the end of the year. We compare Medicare Supplement plans and rates, so consumers can easily view their best options.
The Missouri Rx plan can help pay for some of the out-of-pocket prescription costs from Part D coverage. The Department of Social Services provides specific information regarding how to apply, enrollment process, and specific benefits. The application is short and there are no costs to sign up. Benefits include coverage for 50% of copays and gaps for 31-day prescriptions. However, you must continue to pay for your Medigap plan premium. Any pharmacy that accepts your Part D plan can be utilized, and there is no maximum amount of brand or generic drug expenses that will be paid by the program. Unfortunately, a 90-day supply of medications does not qualify for coverage.
Missouri Medicare Supplement Rates (Female Monthly Age 65)
St. Louis, St. Charles, Clay, And Jackson Counties
Plan A
$99 – AARP-UnitedHealthcare
$107 – Anthem
$120 – Humana
$128 – Aetna
$131 – Transamerica
$153 – Lumico
$154 – Assured Life
$160 – Americo
$167 – Manhattan Life
$175 – Mutual Of Omaha
$187 – Cigna
$192 – Oxford Life
$212 – Medico
Plan C
$171 – AARP-UnitedHealthcare
$214 – Manhattan Life
Plan F (High Deductible)
$53 – Aetna
$56 – Cigna
$60 – Humana
$64 – Mutual Of Omaha
Plan F
$174 – AARP-UnitedHealthcare
$174 – Anthem
$182 – Aetna
$186 – Humana
$188 – Americo
$192 – Lumico
$193 – Assured Life
$201 – Cigna
$223 – Mutual Of Omaha
$238 – Transamerica
$241 – Manhattan Life
$273 – Oxford Life
$376 – Medico
Plan G
$128 – Anthem
$133 – AARP-UnitedHealthcare
$141 – Aetna
$142 – Humana
$144 – Lumico
$145 – Mutual Of Omaha
$145 – Americo
$146 – Assured Life
$152 – Cigna
$154 – Transamerica
$155 – Manhattan Life
$177 – Oxford Life
Plan N
$115 – AARP-UnitedHealthcare
$116 – Anthem
$120 – Lumico
$121 – Assured Life
$124 – Americo
$125 – Humana
$127 – Aetna
$127 – Mutual Of Omaha
$131 – Manhattan Life
$133 – Cigna
$172 – Oxford Life
$183 – Transamerica
$210 – Medico
Greene County
Plan A
$84 – AARP-UnitedHealthcare
$95 – Anthem
$109 – Aetna
$115 – Humana
$124 – Assured Life
$125 – Lumico Life
$126 – Transamerica
$127 – Americo
$138 – Mutual Of Omaha
$146 – Manhattan Life
$151 – Cigna
$168 – Oxford Life
$191 – Medico
Plan C
$171 – AARP-UnitedHealthcare
$199 – Manhattan Life
Plan F (High Deductible)
$45 – Cigna
$45 – Aetna
$50 – Mutual Of Omaha
$55 – Humana
Plan F
$170 – Anthem
$174 – Aetna
$182 – Lumico Life
$183 – AARP-UnitedHealthcare
$184 – Americo
$187 – Cigna
$195 – Humana
$211 – Assured Life
$212 – Transamerica
$222 – Oxford Life
$225 – Manhattan Life
$273 – Mutual Of Omaha
$308 – Medico
Plan N
$103 – AARP-UnitedHealthcare
$114 – Lumico Life
$115 – Anthem
$121 – Americo
$122 – Aetna
$122 – Manhattan Life
$123 – Cigna
$126 – Humana
$132 – Assured Life
$140 – Oxford Life
$143 – Mutual Of Omaha
$164 – Transamerica
$172 – Medico
Jefferson County
Plan A
$99 – AARP-UnitedHealthcare
$115 – Anthem BCBS
$120 – Humana
$122 – Aetna
$135 – Accendo
$141 – Transamerica
$142 – Lumico Life
$144 – Americo
$154 – Mutual Of Omaha
$168 – Manhattan Life
$169 – Assured Life
$174 – Cigna
$207 – Oxford Life
$233 – Medico
Plan C
$171 – AARP-UnitedHealthcare
$229 – Manhattan Life
Plan F (High Deductible)
$51 – Aetna
$52 – Cigna
$56 – Mutual Of Omaha
$57 – Humana
Plan F
$174 – AARP-UnitedHealthcare
$182 – Aetna
$188 – Americo
$189 – Accendo
$192 – Lumico Life
$201 – Cigna
$203 – Anthem BCBS
$204 – Humana
$228 – Assured Life
$238 – Transamerica
$241 – Manhattan Life
$269 – Mutual Of Omaha
$273 – Oxford Life
$376 – Medico
Missouri Medicare Advantage Plans
Other than hospice, Advantage contracts offer all of the benefits available through original Medicare. Hospice, however, is still covered if you opt out of Medicare. Often, premiums are lower, and extra benefits (dental and vision) are included with each policy. Shown below are available PPO, HMO, and PFFS Advantage plans (prescription coverage included) with their deductible and maximum annual out-of-pocket expenses. Prices, benefits, and availability may vary, depending upon your county of residence. SNP plans are not listed.
AARP Medicare Advantage – $0 monthly premium with $0 deductible and $2,900 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $30-$40 and $90. Inpatient and outpatient hospital copays are $265 for days 1-8 and $0-$250. In-network copays of $20 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $3, $12, and $47.
AARP Medicare Walgreens – $0 monthly premium with $0 deductible and $3,900 maximum out-of-pocket expenses. Office visit copays are $0 and $40, and Urgent Care and ER copays are $30-$40 and $90. Inpatient and outpatient hospital copays are $300 for days 1-5 and $0-$250. In-network copays of $15 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $5, and $47.
AARP Medicare Advantage Choice Plan 1 – $29 monthly premium with $150 deductible and $4,400 maximum out-of-pocket expenses. Office visit copays are $5 and $45, and Urgent Care and ER copays are $30-$40 and $90. Inpatient and outpatient hospital copays are $295 for days 1-6 and $0-$275. In-network copays of $0 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $2, $8, and $45.
Aetna Medicare Premier Prime – $0 monthly premium with $0 deductible and $4,500 maximum out-of-pocket expenses. Office visit copays are $5 and $30, and Urgent Care and ER copays are $30 and $90. Inpatient and outpatient hospital copays are $325 for days 1-6 and $0-$280. In-network copays of $0-$30 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.
Aetna Medicare Elite – $0 monthly premium with $0 deductible and $4,500 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $35 and $120. Inpatient and outpatient hospital copays are $325 for days 1-6 and $0-$250. In-network copays of $0-$35 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.
Aetna Medicare Gold Advantage Prime – $0 monthly premium with $0 deductible and $3,450 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $35 and $120. Inpatient and outpatient hospital copays are $295 for days 1-8 and $0-$325. In-network copays of $0-$35 for diagnostic tests and procedures and $0 for lab services. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.
Aetna Medicare Premier Advantra – $51 monthly premium with $200 deductible and $6,000 maximum out-of-pocket expenses. Office visit copays are $15 and $45, and Urgent Care and ER copays are $45 and $90. Inpatient and outpatient hospital copays are $315 for days 1-5 and $275. $250 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.
Aetna Medicare Advantra 2 – $81 monthly premium with $0 deductible and $2,100 maximum out-of-pocket expenses. Office visit copays are $5 and $35, and Urgent Care and ER copays are $35 and $120. Inpatient and outpatient hospital copays are $275 for days 1-5 and $250. $75 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.
Aetna Medicare Advantra 1 – $33 monthly premium with $0 deductible and $5,200 maximum out-of-pocket expenses. Office visit copays are $10 and $45, and Urgent Care and ER copays are $45 and $90. Inpatient and outpatient hospital copays are $295 for days 1-5 and $275. $125 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $0, and $47.
Allwell Medicare – $0 monthly premium with $0 deductible and $3,400 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $45 and $90. Inpatient and outpatient hospital copays are $300 for days 1-5 and $300. $0-$35 copays for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $5, and $37.
Anthem MediBlue Access Basic – $0 monthly premium with $150 deductible and $6,700 maximum out-of-pocket expenses. Office visit copays are $10 and $40, and Urgent Care and ER copays are $35 and $90. Inpatient and outpatient hospital copays are $295 for days 1-7 and $0-$285. $0-$165 copays coinsurance for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $13, and $42.
Anthem MediBlue Access – $39 monthly premium with $0 deductible and $5,000 maximum out-of-pocket expenses. Office visit copays are $5 and $35, and Urgent Care and ER copays are $30 and $90. Inpatient and outpatient hospital copays are $295 for days 1-6 and $0-$270. $0-$165 copays coinsurance for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $13, and $42.
Anthem MediBlue Plus – $0 monthly premium with $0 deductible and $3,400 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $30 and $120. Inpatient and outpatient hospital copays are $310 for days 1-8 and $0-$285. $0-$210 copays for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $13, and $42.
CoxHealth MedicarePlus – $0 monthly premium with $0 deductible and $3,200 maximum out-of-pocket expenses. Office visit copays are $5 and $35, and Urgent Care and ER copays are $45 and $120. Inpatient and outpatient hospital copays are $295 for days 1-6. $0 or 20% coinsurance for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $3, $6, and $47.
Humana Gold Plus – $0 monthly premium with $0 deductible and $3,400 maximum out-of-pocket expenses. Office visit copays are $5 and $45, and Urgent Care and ER copays are $5-$45 and $120. Inpatient and outpatient hospital copays are $295 for days 1-8 and $40-$295. $0-$90 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $6, $11, and $47.
Humana Gold Choice – $80 monthly premium with $195 deductible. Office visit copays are $15 and $45, and Urgent Care and ER copays are $15-$45 and $90. Inpatient and outpatient hospital copays are $295 for days 1-5 and $45 or 25%. $0-$45 or 25% copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $8, $15, and $47.
UnitedHealthcare Medicare Advantage Choice Plan 3 – $19 monthly premium with $245 deductible and $6,700 maximum out-of-pocket expenses. Office visit copays are $0 and $40, and Urgent Care and ER copays are $30-$40 and $90. Inpatient and outpatient hospital copays are $325 for days 1-5 and $0-$325. $20 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $15, and $47.
UnitedHealthcare Medicare Advantage Choice Plan 2 – $48 monthly premium with $295 deductible and $6,700 maximum out-of-pocket expenses. Office visit copays are $10 and $50, and Urgent Care and ER copays are $30-$40 and $90. Inpatient and outpatient hospital copays are $370 for days 1-5 and $0-$370. $20 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $4, $15, and $47.
Wellcare Dividend – $0 monthly premium with $20 deductible and $6,700 maximum out-of-pocket expenses. Office visit copays are $5 and $50, and Urgent Care and ER copays are $65 and $90. Inpatient and outpatient hospital copays are $375 for days 1-5 and $250. $0-$50 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $15, and $45.
Wellcare Premier – $0 monthly premium with $0 deductible and $5,900 maximum out-of-pocket expenses. Office visit copays are $5 and $40, and Urgent Care and ER copays are $35 and $90. Inpatient and outpatient hospital copays are $300 for days 1-5 and $250. $0-$100 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $5, and $47.
Wellcare Value – $0 monthly premium with $0 deductible and $3,400 maximum out-of-pocket expenses. Office visit copays are $0 and $35, and Urgent Care and ER copays are $40 and $120. Inpatient and outpatient hospital copays are $275 for days 1-6 and $250. $0-$50 copay for diagnostic tests and procedures. Tier 1, 2, and 3 preferred pharmacy prescription drug copays are $0, $9, and $45.
Missouri Part D Prescription Drug Plan Monthly Rates
For 2021, 29 plans are available, including 18 enhanced plans. The most affordable plan is the SilverScript SmartRx ($7.20 per month) and the most expensive plan is AARP MedicareRx Preferred ($94.10 per month). The average monthly cost of all plans is $39.60 and 9 plans cost less than $25 per month.
Humana Walmart Value Rx – $17.20 with $445 deductible and 3,160 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), 16% (Tier 3), 34% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), 16% (Tier 3), 34% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 887,626 members enrolled nationally.
Humana Premier Rx Plan– $66.00 with $445 deductible and 3,233 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), $45 (Tier 3), 49% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), $135 (Tier 3), 49% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 1,395,309 members enrolled nationally.
Humana Basic Rx– $28.20 with $445 deductible and 3,057 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $1 (Tier 2), 20% (Tier 3), 35% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $3 (Tier 2), 25% (Tier 3), 35% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 1,449,215 members enrolled nationally.
Express Scrips Medicare Saver – $21.70 with $285 deductible and 2,918 available formulary drugs. 30-day supply cost-sharing is $2 (Tier 1), $7 (Tier 2), $35 (Tier 3), 50% (Tier 4), and 28% (Tier 5). 90-day supply cost-sharing is $6 (Tier 1), $21 (Tier 2), $105 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 203,011 members enrolled nationally.
Express Scrips Medicare Value – $26.30 with $445 deductible and 3,001 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $3 (Tier 2), $32 (Tier 3), 50% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $9 (Tier 2), $96 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 369,803 members enrolled nationally.
Express Scrips Medicare Choice – $73.30 with $100 deductible and 3,218 available formulary drugs. 30-day supply cost-sharing is $2 (Tier 1), $7 (Tier 2), $42 (Tier 3), 50% (Tier 4), and 31% (Tier 5). 90-day supply cost-sharing is $6 (Tier 1), $21 (Tier 2), $126 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 49,823 members enrolled nationally.
Oscar Classic Silver Csr 250
SilverScript Choice – $26.80 with $245 deductible and 3,012 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $5 (Tier 2), $35 (Tier 3), 40% (Tier 4), and 28% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $15 (Tier 2), $105 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 3,974,861 members enrolled nationally.
SilverScript Plus – $57.10 with $0 deductible and 3,058 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $2 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $0 (Tier 2), $120 (Tier 3), 50% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 199,395 members enrolled nationally.
SilverScript Smart Rx – $7.20 with $445 deductible and 3,562 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $19 (Tier 2), $46 (Tier 3), 46% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $57 (Tier 2), $138 (Tier 3), 46% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating.
AARP MedicareRx Walgreens – $32.00 with $445 deductible and 3,088 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), $40 (Tier 3), 40% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $8 (Tier 2), $120 (Tier 3), 40% (Tier 4), and 25% (Tier 5). 3.5 Summary Star Rating with 725,852 members enrolled nationally.
AARP MedicareRx Preferred – $94.10 with $0 deductible and 3,518 available formulary drugs. 30-day supply cost-sharing is $5 (Tier 1), $10 (Tier 2), $45 (Tier 3), 40% (Tier 4), and 33% (Tier 5). 90-day supply cost-sharing is $15 (Tier 1), $30 (Tier 2), $135 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 2,000,406 members enrolled nationally.
AARP MedicareRx Saver Plus – $53.70 with $445 deductible and 3,104 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $8 (Tier 2), $40 (Tier 3), 40% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $24 (Tier 2), $120 (Tier 3), 40% (Tier 4), and n/a (Tier 5). 3.5 Summary Star Rating with 1,205,762 members enrolled nationally.
WellCare Classic – $27.50 with $445 deductible and 3,094 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $1 (Tier 2), $30 (Tier 3), 34% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $3 (Tier 2), $90 (Tier 3), 34% (Tier 4), and n/a (Tier 5). 4.0 Summary Star Rating with 1,030,251 members enrolled nationally.
WellCare Value Script – $15.40 with $445 deductible and 3,466 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $7 (Tier 2), $43 (Tier 3), 47% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $21 (Tier 2), $129 (Tier 3), 47% (Tier 4), and n/a (Tier 5). 4.0 Summary Star Rating with 749,029 members enrolled nationally.
WellCare Wellness Rx – $15.20 with $445 deductible and 3,466 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $3 (Tier 2), $40 (Tier 3), 46% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $9 (Tier 2), $120 (Tier 3), 46% (Tier 4), and n/a (Tier 5). 4.0 Summary Star Rating with 801,396 members enrolled nationally.
WellCare Medicare Rx Select – $22.10 with $330 deductible and 3,388 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $3 (Tier 2), $47 (Tier 3), 42% (Tier 4), and 27% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $9 (Tier 2), $141 (Tier 3), 42% (Tier 4), and n/a (Tier 5).
WellCare Medicare Rx Saver – $32.20 with $435 deductible and 3,108 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $2 (Tier 2), $28 (Tier 3), 37% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), $84 (Tier 3), 37% (Tier 4), and n/a (Tier 5).
WellCare Medicare Rx Value Plus – $68.40 with $0 deductible and 3,388 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $4 (Tier 2), $47 (Tier 3), 50% (Tier 4), and 33% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $12 (Tier 2), $141 (Tier 3), 50% (Tier 4), and n/a (Tier 5).
Cigna-HealthSpring Rx Secure-Extra – $55.20 with $100 deductible and 3,254 available formulary drugs. 30-day supply cost-sharing is $4 (Tier 1), $10 (Tier 2), $42 (Tier 3), 50% (Tier 4), and 31% (Tier 5). 90-day supply cost-sharing is $12 (Tier 1), $30 (Tier 2), $126 (Tier 3), 50% (Tier 4), and n/a (Tier 5).
Cigna-HealthSpring Rx Secure – $29.00 with $435 deductible and 3,124 available formulary drugs. 30-day supply cost-sharing is $1 (Tier 1), $2 (Tier 2), $30 (Tier 3), 37% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $3 (Tier 1), $6 (Tier 2), $90 (Tier 3), 37% (Tier 4), and n/a (Tier 5).
Cigna-HealthSpring Rx Secure-Essential – $22.10 with $435 deductible and 3,100 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $2 (Tier 2), 18% (Tier 3), 42% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), 18% (Tier 3), 42% (Tier 4), and n/a (Tier 5).
Mutual Of Omaha Rx Value – $26.30 with $435 deductible and 2,892 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $2 (Tier 2), $25 (Tier 3), 43% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), $75 (Tier 3), n/a (Tier 4), and n/a (Tier 5).
Mutual Of Omaha Rx Plus – $61.20 with $435 deductible and 3,255 available formulary drugs. 30-day supply cost-sharing is $0 (Tier 1), $6 (Tier 2), $42 (Tier 3), 48% (Tier 4), and 25% (Tier 5). 90-day supply cost-sharing is $0 (Tier 1), $18 (Tier 2), $126 (Tier 3), n/a (Tier 4), and n/a (Tier 5).
For 2020, 28 PDP plans are available (17 enhanced and 11 basic) with an average monthly cost of $39.95. Four $0 deductible plans are offered with monthly rates of other plans ranging from $13.20 to $89. Six plans provide Donut Hole Gap Coverage. The average monthly premium increase is about $5.51.
Missouri Temporary Health Insurance Is Very Inexpensive
Temporary Medical Coverage
If your need is temporary, or you missed an Open Enrollment deadline, and need inexpensive major medical coverage, a short-term plan is one of your best options. Rates are low, underwriting is simplified, and applications are generally approved within 36 hours. A wide choice of deductibles is typically offered ($250-$5,000) with several coinsurance and benefit options. However, pre-existing conditions are not covered, only one policy renewal is offered, and not all companies offer this type of policy.
Illustrated below are sample monthly rates for several scenarios. The carriers that offer the most competitive short-term plan options are UnitedHealthcare, Blue Cross Blue Shield Of Kansas City, HCC Life, National General, and IHC Group.
Age 30 Male Residing In Kansas City
$57 – UnitedHealthcare $10,000 deductible and 30% coinsurance.
$70 – UnitedHealthcare $5,000 deductible and 30% coinsurance.
$72 – Everest $5,000 deductible and 50% coinsurance.
$83 – Everest $2,500 deductible and 50% coinsurance.
$87 – UnitedHealthcare $2,500 Deductible and 30% coinsurance.
$102 – Everest 1,000 deductible and 50% coinsurance.
Married Couple Ages 35 (2 Persons) Residing In St. Louis
$102 – UnitedHealthcare $10,000 deductible and 20% coinsurance.
$107 – HCC Life $7,500 deductible and 20% coinsurance.
$166 – Blue KC $5,000 deductible and 20% coinsurance.
$194 – National General $5,000 deductible and 0% coinsurance.
$222 – HCC Life $500 Deductible and 50% coinsurance.
$227 – Blue KC $2,500 deductible and 20% coinsurance.
$324 – Blue KC $1,000 deductible and 20% coinsurance.
$409 – Blue KC $500 deductible and 20% coinsurance.
Age 50 Male Residing In Independence
$77 – Blue KC $5,000 deductible and 20% coinsurance.
$106 – Blue KC $2,500 deductible and 20% coinsurance.
$108 – UnitedHealthcare $10,000 deductible and 30% coinsurance.
$133 – UnitedHealthcare $5,000 deductible and 30% coinsurance.
$153 – Blue KC $1,000 deductible and 20% coinsurance.
$154 – HCC Life $7,500 deductible and 50% coinsurance.
$166 – UnitedHealthcare $2,500 deductible and 30% coinsurance.
$189 – Blue KC $5,00 deductible and 20% coinsurance.
$216 – National General $5,000 deductible and 20% coinsurance.
Female Age 55 Male Residing In Columbia
$141 – UnitedHealthcare $10,000 deductible and 30% coinsurance.
$149 – Companion Life $10,000 deductible and 20% coinsurance.
$153 – UnitedHealthcare $5,000 deductible and 30% coinsurance.
$181 – Companion Life $5,000 deductible and 20% coinsurance.
$209 – UnitedHealthcare $5,000 deductible and 20% coinsurance.
$217 – UnitedHealthcare $2,500 deductible and 30% coinsurance.
$227 – Everest $2,500 deductible and 50% coinsurance.
$251 – Everest $2,500 deductible and 20% coinsurance.
Best Health Insurance Plans Kansas
In Kansas state health insurance is provided through healthcare.gov, a state run health insurance exchange. 15 December is the last day for the open enrollment for 2019 coverage. However, for people with qualifying events, enrollments can be done even after.
In the state, short term health insurance plans are available with initial plan terms up to 12 months. As of now, three reputed insurance carriers are providing 2019 coverage through the Kansas exchange. In 2018, about 98,000 Kansas residents opted for the coverage through the state exchange. Kansas is yet to opt for Medicaid expansions, and short term short-term health insurance plans in the state are limited to 12 months with one renewal.
- Medica
Select by Medica Catastrophic
Insurance Type EPO Oscar Secure (Free 24/7 Virtual Visits + Free Personal Care Team)
Insurance Type EPOOscar Bronze Classic PCP Copay ($3 Prescription List + Free 24/7 Virtual Visits + Free Personal Care Team)
Insurance Type EPOBlue KC Spira Care BlueSelect 7300 ($0 Cost Share Office Visits, Labs & X-Rays at Spira Care Centers; Telehealth: $0 Copay Primary Care Office Visit & Behavioral Health Therapy; $0 Preventive Care)
Insurance Type EPOAmbetter Essential Care 1 (2021)
Insurance Type HMO
The Kansas health insurance marketplace:
Unfortunately, Kansas is one among those states in the US that haven’t yet expanded Medicaid facilities under the Affordable Care Act. Unlike many states in the country, Kansas uses the marketplace plan management model. Open enrollment for 2019 coverage is going to end on December 15. Once the enrollment reaches its deadline, Kansans will not be able to select a new plan.
As per the federal approvals given, following average rate increases have been approved for Kansas exchange carriers for 2019:
- Blue Cross Blue Shield of Kansas: 8.28 percent
- Sunflower/Ambetter: 2.68 percent
- Medica: 4.3 percent
Kansas and Medicaid Expansion:
Medicaid expansion was one of primary mechanisms in the ACA aimed at reducing the uninsured rate. But Kansas is among the states that have not yet expanded Medicaid under the ACA.
The Medicaid doesn’t available to the non-disabled adults without dependent children. Similarly, adults with dependent children are eligible only if their total accumulated household income is under 33 percent of the federal poverty level. In Kansas, Medicaid is also known as KanCare.
Medicare Coverage in Kansas:
As per the records available in August 2018, approx. 520,736 Medicare beneficiaries covered in Kansas. The number was amounted to almost 18 percent of the state’s population. Among those enrolled for Medicare, 83% opted for original Medicare, while just 17 percent subscribed Medicare Advantage plans. As of 2015, the amount spent per enrollee for Medicare is amounted to $9,162 in Kansas.
Kansas Health Insurance Plans:
In Kansas, a broad range of health plans are available from leading insurance carriers. You should however choose a plan only after comparing the plans and reading customer reviews. Here is a brief reckoner of various health insurance plans available to buy in Kansas.
Short Term Health Insurance
In Kansas, short term health insurance is also called Term health insurance or Temporary health insurance. The coverage is offered to help beneficiary bridge gaps in his / her health care coverage during times of transition. A short term health insurance plan is handy in many ways. You can apply for the plan within minutes and can apply for another term of coverage if needed.
You can yourself select the length of coverage and may drop your coverage without penalty. In Kansas, short term health insurance is underwritten and provided by Golden Rule Insurance Company. These short term health insurance products have access to a large provider network to serve you with better health.
These plans are a perfect solution for college students or for those waiting for benefits to begin at a new job. If you’re losing coverage following a divorce, you can go for a short term health plan.
Dental Insurance Plans
Dental services in Kansas are meant to help you with your expenses on dental care services and manage a good dental care routine. In the state, dental insurance plans are underwritten by Golden Rule Insurance Company. These plans offer right kind of filling and other dental health coverage.
Dental insurance plans in Kansas are offered by some of the top notch insurance providers in the state. These plans best fit for you and your family’s dental care needs.
Dental Insurance in Kansas is similar to other insurance plans. Here you a certain amount dubbed ‘premium’ to receive dental benefits. These benefits include regular checkups, cleanings, x-rays, and certain services required for your dental care.
Vision Insurance Plans
In Kansas, vision insurance plans are underwritten by Golden Rule Insurance Company. Some renowned insurance providers offer the coverage either as a standalone plan or as a rider to a dental plan since vision insurance plans are not available in the all states as standalone plans.
Standard vision insurance plans in the state offer coverage choices for both glasses and contacts. While subscribing the plan, you have freedom to choose non-network provider.
You have no waiting period at all with the plan. To note, a vision health insurance plan is generally supplemental to other types of medical insurance policies available in the state. The major benefits and coverage that vision insurance includes are annual routine eye exam, eyeglass frames/lenses and contacts and pre-determined discounts on all vision-related expenses etc.
FAQ On Kansas Health Insurance
Individual mandate penalty according to which every individual is required to have health insurance offering minimum essential coverage or pay a penalty is no more applicable in the Kansas state in 2020. The penalty was repealed by the Trump administration at the beginning of the year 2019. Though some of the states still have this penalty, thereby requiring its residents to have minimum essential coverage but Kansas is not one of them. Though, people are advised to have health insurance plans, so they keep themselves and their families protected from the sudden medical emergencies.
The Kansas exchange has the following five health insurance carriers offering coverage for individuals and families:
Yes, a short-term health plan is available for sale in Kansas. However, the Kansas law limits short-term health plans to be offered for initial terms of not more than twelve months. Above all the state only allows short-term plans to be renewed just once, so the maximum duration for which one can have a short-term plan is two years. Thus, the maximum duration of three years for short-term plans under federal rules does not apply in Kansas.
The best and cheapest health plan in Kansas will depend upon the individual’s age, health conditions, and health care requirements. However, the cheapest health plan available in Kansas in 2020 is Ambetter Balanced Care 12 having a monthly premium of $418 for a 40-year old person.
After analyzing different health insurance plans in Kansas by a metal tier, the best and cheapest health plan was determined for each degree of coverage. However, it is not at all necessary that these plans are available in each and every county of Kansas; still, people can check their availability in their specific area. The cheapest health plans in each metal-tier are as follows:
The cheapest Catastrophic health plan in Kansas is Medica with Healthier You Catastrophic having a monthly premium of $240 for a 40-year old.
The cheapest Bronze plan is the Ambetter Essential Care 1(2020) plan having a monthly premium of $362 for a 40-year old.
The cheapest Expanded Bronze plan is Medica with Healthier You Bronze Copay having a monthly premium of $322 for a 40-year old.
The cheapest Silver plan is Abetter Balanced Care 12 having a monthly premium of $418 for a 40-year old.
The cheapest old plan is Medica with healthier You Gold Share having a monthly premium of $423 for a 40-year old.