Articles Editor's Blog Reader Mail

Health Insurance Policy Choices - General Health Insurance Guide De Soto MO

Can I afford health insurance? The bottom line is the amount of the premium. If the premium is more than you can afford, but you are still interested.

Carl Goodin
300 Ozark Trail Drive, #215
Ellisville, MO
Title: CFP
Company: Financial Planning Associates, Inc.
Investment Advisor Rep: Yes
University of Missouri, BMED 1973
Webster University, MAFE (Not completed)
College for Financial Planning, CFP 1989
Years Experience
Years Experience: 25
Asset Protection Strategies & Planning,Hourly Financial Planning Engagements,Medicaid,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Individual Income Tax Planning,Medicare Planning,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planni

Data Provided by:
Missouri Senior Benefit Services
(816) 233-0895
3805 Oakland Ave Ste 1016
Saint Joseph, MO
Brooke Insurance
(816) 421-5155
104 W 9th St Ste 200
Kansas City, MO
American Republic Insurance Co
(816) 431-2323
12200 N Ambassador Dr
Kansas City, MO
United Insurance Group
(314) 629-6183
7 McClay Village Circle
St. Peters, MO
Kevin Adam
2415 Carter Lane
Columbia, MO
Title: MBA
Company: Forward Financial, LLC
Investment Advisor Rep: Yes
University of Kansas/Economics
University of Missouri/MBA
Years Experience
Years Experience: 17
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial

Data Provided by:
Eddie Marks Insurance Agency
(816) 364-3100
2400 Frederick Ave Ste 316
Saint Joseph, MO
My Kids
(800) 930-9832
, MO
Gateway Insurance Solutions
(800) 930-9832
15722 Cotting
St. Louis, MO
Demasters Insurance
(816) 531-1000
1130 Westport Rd
Kansas City, MO
Data Provided by:

Health Insurance Policy Choices - General Health Insurance Guide

Provided By: 

Health Insurance Policy Choices

This is a big question. If you are shopping for health insurance on your own you will have a wide range of factors to consider. Even if your employer provides you with health insurance, you may have multiple plans to choose from. How do you decide what's right for you?

The most important thing, before deciding on health insurance, is to ask yourself the right questions:

Can I afford health insurance?
The bottom line is the amount of the premium. If the premium is more than you can afford, but you are still interested, perhaps you can tailor the plan to fit you. Are there options to insure only large health expenses? If your family is in good health, you could gamble that you will only need coverage for large health expenses, such as 'emergency' situations, and tailor your coverage that way.

pare health insurance companies and save money today. Health Insurance Quotes Compare, save and apply online. Quick quotes from multiple carriers. Breaking Healthcare News! National healthcare discount plan available now for under $3 a day

State policies on insurance vary widely. Some states require that insurance companies cover everyone, regardless. This means that the risk is spread over everyone, and your premiums will be the same as everyone else's even if you are young and healthy. In this case, your options for a lower price policy will be limited.

You might have to look for a job which has health insurance as a benefit in this case, if you can't afford premiums.

What am I expected to pay?
It's not just about the premiums you pay for health insurance. It's also about the costs that you incur when you use health services. What is the deductible? What percentage of the health expense (minus deductible) will I be reimbursed? These are also important considerations, especially if you or your family members are frequent users of health care services.

Does this medial insurance plan cover the services I (or my family) use?
If you have seen a Chiropractor for years you will likely want this to be a covered therapy. Not all health insurance plans cover alternative health practitioners - check the fine print.

Not all health insurance plans cover preventative medicine. If you'd rather take action before you get sick check your coverage.

Also, be sure that the medial insurance will cover you for your pre-existing health conditions. If it doesn't, or it has a waiting period, be sure you understand how that will impact you and your family.

Health insurance plans may also restrict your ability to change doctors, see doctors outside of the plan or get access to specialists. Read the fine print.

If you are interested in starting a family it's critical to understand whether the health insurance covers the costs of prenatal care and delivering the c...

Click here to read the rest of this article from Insurance Guide 101

Missouri State Mandated Health Insurance Coverage

Medical insurance benefits that insurers must provide include: alcohol/drug abuse treatment, ambulatory surgery centers, audiologist, blood lead poisoning screening, bone marrow transplant, bone mass measurement, breast reconstruction, cervical cancer/HPV screening, chiropractor, clinical trial (cancer), colorectal cancer screening, contraceptives, dental anesthesia, dentist, dependent coverage (including newborns, dependent students/adults, disabled dependent adults), diabetes supplies, emergency room service, family therapist, hair prosthesis, mammography, marriage therapist, mastectomy (including minimum stay), maternity (including minimum stay), mental health, newborn hearing screening, nurse practitioner, off-label drug use, optometrist, PKU/metabolic disorder, podiatrist, prostate cancer screening, psychologist, second surgical opinion, speech therapist, well child care

Local Events

SNA Annual National Conference 2019 - School Nutrition Association
Dates: 7/14/2019 – 7/17/2019
Venue TBD Saint Louis
View Details
About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap