Missouri MO Cheap Health Insurance

Reader’s Question:

I cannot afford a traditional coverage in Missouri. Would there be any other options for me to be able to get cheap protection for my health?

Cindy

Columbia, MO

In fact, you can always try to get a limited benefit plan in Missouri. This is also for those who have trouble buying health insurance coverage due to a pre-existing medical condition or medical history. A limited benefit plan is always less expensive than conventional insurance and can provide corresponding benefits. For example, it may cover you for cold-and-flu care but will not cover all of your costs for other serious medical services like operations.

I have to let you know though that limited benefit plans are not offered in all states. You can check out if this is available where you are and try to check out circumstances when this can be made available to you.
This type of plan can be very controversial too because they are not required to offer all the benefits that each state requires the traditional insurers to offer. Also, limited plans obviously pay for a limited number of services. Others think that limited benefit plans offer consumers very little value since they can’t cover costs for major illnesses.

This comes either as discount cards or mini-meds. With discount cards, the holder simply pays a monthly fee and receives the card that can give discounts on medical services from providers within the network of the insurer. There is no need to file a claim as the bill is paid at the time of service. Mini meds are mini-policies which will pay you a fixed amount for every service you receive, regardless of the cost of the service. With mini-meds, you are able to choose your doctor and hospital.
So there! I hope you find your options!