You may need Missouri temporary health coverage for a variety of reasons. You could be between jobs or you may have only temporary or part-time employment. Missouri temp health insurance is necessary while you are waiting for permanent health insurance to begin and it can be an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations generally do not provide services for temporary medical insurance. Missouri temporary medical insurance providers usually allow the insured party to receive care from any licensed health provider.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Missouri:

1. Gap coverage between standard policies is the primary intent of temporary health insurance. Missouri employees with temporary health insurance should expect to obtain long-term health insurance at some point in the future.

2. Temporary health insurance in Missouri is intended to provide coverage for unforeseen illness and injury but generally does not cover routine examinations or preventative care.

3. Temporary health insurance is exempt from the Health Insurance Portability and Accountability Act, or HIPAA, so these carriers are not required to issue or renew policies.

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

Obtain quotes for Missouri temporary health insurance policies

A wide variation in the cost of premiums exists between companies, but policy holders of Missouri temp health insurance will pay a higher premium than for a long-term policy.

I recommend: Get quotes from multiple companies that provide MO temporary health insurance at Global Insurance Coverage. This insurer also provides some good guidelines on how to choose temporary health insurance.

Examine the types of temporary health insurance policies available in Missouri

MO temporary health insurance may cover only certain groups or conditions. It is extremely helpful to know the intended purpose of a given policy before studying it in detail.

I recommend: Find a brief description of different temporary health insurance plans in Missouri at Missouri Health Insurance. This site specializes in higher risk policy holders.

Receive personalized quotes on temporary health insurance by location

You can get a more meaningful initial quote by providing some information about yourself when applying for temporary health insurance. Missouri has websites that will forward your application form to many health insurance companies.

I recommend: Go to the Internet Insurance Agency for two of their plans through HPA. Both of these health insurance plans are available to Missouri residents.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Temp health insurance in Missouri usually lasts for a maximum of six months but you may be able to get a second policy so long as your total coverage does not exceed one year. This generally requires that you have not made any claims under the first policy and haven't experienced significant changes to your health.
• •  Look for any clauses in your policy that cover disabilities beyond the stated termination date of the temporary medical insurance. Missouri temporary health insurance policies often will pay for total disability until specific criteria have been met. These might include treatment no longer being required, the expenditure of a fixed benefit amount or the elapse of a certain amount of time past the termination date. Many plans also will pay a fixed amount for partial disability after the termination of the policy.