Missouri Health Insurance Law

In the State of Missouri, health-care insurance, including health benefits included in group plans provided by employers, are regulated by laws contained in the Missouri Revised Statutes. Laws cover areas ranging from provisions for newborn babies to insurance claim response times.

Health Care Claims for Reimbursement

• When anyone covered by a health plan in the state of Missouri makes a claim, section 376.383.2 of the Missouri Revised Statutes states that the insurance company must send an acknowledgment of the claim to the claimant within 10 days of receipt, or send a request for further information, if applicable.

Termination of Group Policy Coverage

• If a person is covered under a group policy, section 376.397.1 of the Missouri Revised Statutes states that if the person's coverage is discontinued, the person must be offered a converted policy by the insurer providing the group policy. This law does not apply if the person's group coverage was terminated because the person failed to make payments due to the group policy.

Newborn Children

• When a health plan provides coverage for members of the family of a person enrolled in the plan, any benefits that apply to existing children of a family member must also be extended to cover a newborn child of that family member.