Missouri Medicare Insurance Plans
The U.S. government provides free or low-cost insurance coverage to a number of its residents. This insurance program is known as Medicare and is available to those over the age of 65, as well as some individuals with disabilities or qualifying ailments.
In addition, states may also assist qualifying beneficiaries with costs, as well as with information about their policies. If you have questions about Medicare in Missouri, first read through the following information and then consult a professional for help.
Most importantly, if you feel as if your Medicare coverage is not comprehensive enough, you have the option to purchase supplemental insurance, known as Medigap. Medigap policies are available through private insurers in Missouri and work in conjunction with your Original Medicare policy.
Missouri Medicare Savings Programs
Of course, some Medicare beneficiaries may be unable to cover the costs associated with their plans. As such, Missouri provides additional help to qualifying recipients through the following four Medicare Savings Programs.
The following data is from 2016 and is based on federal amounts. These amounts may increase in 2017. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*
- Qualified Medicare Beneficiaries (QMBs): are helped with Medicare Part A and Part B, as well as deductibles, coinsurance, and copayments. This is available to individuals or couples who make up to $1,010 or $1,355, respectively.
- Specified Low-Income Medicare Beneficiaries (SLMBs): can be helped with Medicare Part B premiums and is available to individuals and couples who make $1,208 or $1,622, respectively.
- Qualifying Individuals(QIs): experience coverage for costs associated with Medicare Part B. Individuals or couples who make $1,357 or $1,823, respectively, may qualify.
- Qualified Disabled and Working Individuals (QDWIs): have a program available to them that covers the costs of Medicare Part A; it is open to individuals or couples who make $4,045 or $5,425, respectively.
*Data from Medicare.gov
**According to Secure.ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.
Missouri Mini-COBRA Laws
If you were receiving insurance through your employer, under Missouri law you are entitled to continuing coverage for a period of up to nine months, depending on your circumstances. This is applicable to employers who have less than 20 employees and who are not affected by federal law.
Help from the State of Missouri
Finally, the state of Missouri is also committed to helping Medicare beneficiaries understand everything necessary about their insurance. As such, Missouri provides additional help through its state health insurance assistance program, CLAIM. This organization provides counselors who can offer free, unbiased information and advocacy for all Medicare beneficiaries.
Navigating the complex world of Medicare can be difficult. If you still have questions or concerns while comparing Missouri Medicare insurance plans, do not hesitate to reach out to a licensed sales agent at Medicare Solutions for additional assistance.