Businesses with at least two full-time taxable employees or other associations such as labor unions are eligible for Missouri group health insurance. One master contract generally covers the entire group.

MO group health insurance providers also offer small businesses benefits other than medical care for their employees. The financial risk is distributed between all of the members of the group, which usually results in greater coverage and lower premiums for a group health plan. MO group insurance also has tax advantages because all of the employer contributions are usually tax deductible.

Three key points to consider when evaluating Missouri group health plans:

1. The deductible. This is the amount that is paid by the policy holder before Missouri group health insurance will begin to cover costs.

2. The coverage limit. This is the maximum amount that will be paid by Missouri group medical insurance providers.

3. The health provider network. Group health insurance companies in Missouri usually will provide service only by specified health care professionals. You will need to ensure that there are enough local providers in the network to cover the medical requirements of your group.

Action Steps
The best contacts and resources to help you get it done

Get a referral to licensed group health insurance agencies in Missouri

A referral for group healthcare coverage in Missouri provides you with a quote and the insurance agent's contact information without speaking to the agent. until you are ready.

I recommend: Contact Midwest Insurance directly for a quote on group insurance. This agency serves Missouri, Nebraska, Iowa and Minnesota.

Collect a variety of quotes from companies that provide group health insurance in Missouri

Employees will prefer a group health plan over an individual health plan because the employer pays for a portion of the group insurance. Missouri group medical insurance also is easier to qualify for because it has a lower requirement on the health of its policy holders.

I recommend: Visit the St. Louis-based Group Benefits website for free quotes on group health insurance companies in MO. This insurer also provides health insurance in Illinois.

Find quotes from specific agents for group health insurance in Missouri

To avoid any costly surprises, supply the most complete information you can about your business and its employees when seeking a quote from a specific agency for group insurance. Missouri business owners should seek quotes from several agencies before deciding on a plan.

I recommend: Complete the brief application form for your business at Insurance Solutions of Missouri for a quick online quote. This insurer provide a range of health insurance for Missouri businesses.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Provide a customized health care plan for your part-time and temporary employees. MO group health insurance will frequently provide these employees a less expensive plan that provides basic coverage for essential benefits in addition to discounts on some services that are not covered outright. A part-time employee also qualifies for a Flexible Spending Account to manage health care costs.