Missouri Medicare Insurance

Summary: This article briefly introduces the Medicare health insurance program as well as medicare supplement program. It then details the available number of plans in the Missouri area.

Article: The Medicare Insurance is designed as a long term care insurance policy. It aims to take care of various medical requirements of people over 65 years of age, as well as certain cases of disabilities and chronic conditions. Apart from Medicare health insurance, there is medicare supplemental insurance, which seeks to fill the gaps of the former policy.

Generally, the medicare health insurance comprises of four distinct plans. Particularly for Missouri area, there are presently 3 different plans which cover the Medicare insurance.

1. Prescription Drug Plans (52 listed) - Introduced in Jan 2006, they are more conventionally knows as medicare Plan D. Several private insurance companies provide this plan with varying number of monthly premium rates. Most of the companies do not provide the coverage in the gap. Some, however, provide the same, either for ‘all generics’ or ‘all preferred generics’.

2. Medicare Health Plans (88 listed) - Additional cost of drug premium is included in this plan, compared to the above plan.  No gap coverage is provided, with some rare exceptions.

3. Medicare special needs plan (24 listed) - As the name mentions, these plans are particular cases which are handled per case basis, rather than generalizing. There are special rules for enrolling for this plan, which differ from company to company. Most of them are centered on disabled people or those with chronic health conditions.