Health Insurance

GROUP HEALTH PLANS: Save money and offer rich employee benefits as part of your employee benefits package. Whether it’s a self-funded Chamber Benefit Plan or an ACA group health plan, we’ll help you choose networks and deductibles that best fit the needs of your employees. PPO, EPO and HSA plans are available. Participation must consist of two or more full-time employees, averaging 30+ hours per week. The employer is generally required to pay 50% of the employee-only premium. 

INDIVIDUAL MAJOR MEDICAL: Whether on or off the exchange, individual family plans can look vastly different, depending on subsidy and cost-sharing eligibility. A majority of counties in Missouri offer multiple carrier options, with plan selection being highly dependent on network and providers available. All networks are EPO; an HMO hybrid. Applying outside of open enrollment requires a special enrollment period. 

INDIVIDUAL SHORT-TERM MEDICAL PLANS: Are available with coverage durations from one month to nearly three years. Short-term plans are underwritten and NOT considered major medical coverage. Typically, pre-existing conditions, preventive and maternity are not covered on standard short-term plans with durations under 12 months. Longer duration plans may look and feel more like major medical. Deductibles range from $1,000-$12,500.