Health Care Benefits: Missouri

Federal law and guidance on this subject should be reviewed together with this section.

Authors: Alan L. Rupe and William C. McCartney, Kutak Rock LLP

Summary

• Missouri chose not to establish a state-based Marketplace under the Affordable Care Act. See Health Insurance Marketplaces Under the ACA.
• Same-sex marriage is legal nationwide. See Same-Sex Partner Benefits.
• Small employers in Missouri, generally, employers with two to 50 employees, are eligible to purchase small group health policies under Missouri's Small Employer Health Insurance Availability Act. See Health Coverage for Small Employers.
• Group health policies in Missouri must include coverage for alcohol and drug abuse treatment. See Mandatory Alcohol and Drug Abuse Coverage.
• Group health policies in Missouri must offer mental health benefits on terms similar to physical health benefits. See Mental Health Parity.
• Group health policies in Missouri must include dependent coverage. See Dependent Coverage.
• Group health policies in Missouri with maternity coverage must offer certain minimum maternity benefits. See Maternity Coverage.
• Group health policies in Missouri that provide coverage for a mastectomy must provide coverage for reconstructive breast surgery. See Reconstructive Breast Surgery.
• Group health policies in Missouri must provide coverage for certain other illnesses, diseases, and medical and surgical procedures. See Diabetes Coverage.
• Group health policies in Missouri must provide coverage for certain specified health providers. See Coverage for Specified Providers.
• Missouri insurers are prohibited from discriminating against individuals for certain reasons. See Prohibition on Insurer Discrimination.

Unless otherwise indicated, the term "policy" means a policy of insurance issued by an insurer licensed to do business in Missouri. It does not include self-insured employer health plans.