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Missouri Health Insurance detail

Are you tired of paying too much for Missouri health insurance?  Welcome, because you've come to the right place,  Since 1996 Hegeman Insurance Brokerage has been helping people lower their insurance premiums with better coverage from the top "A" rated companies here in Missouri and also in Florida.   Health insurance premiums don't have to resemble a mortgage payment. You may have even considered dropping your coverage entirely, don't.  Going without health insurance is never a good option and it's a very risky proposition at best.

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Temporary Health Insurance

This is the best place to start if you have previously been declined for medical reasons or need affordable premiums from "A" rated carriers.  Coverage is normally issued up to 6 months (there are some policies where coverage can be extended up to 3 years however the coverage itself is not as comprehensive as on 6 month plans) Policies are issued within 24 hours. 

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Individual Missouri individual dental insurance

Dental insurance doesn't have to be expensive.  We have excellent plans designed for every budget.  Which plan is best?  Discount Plans will get you the best benefits, with PPO Plans, you will find higher prices;  long waiting periods of 6- 12 months before fillings, crowns and root canals will be treated; and, there are caps on benefits.  If you would information on our PPO Dental Insurance plans please scroll to the bottom of the page and review the benefits for Delta Dental and our latest plan from Homeland Health Care...the premier of PPO Dental Plans!

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What You Must Know About COBRA/HIPAA and Preexisting Conditions

Its a sinking feeling to know you need health insurance and can not get any because you have preexisting conditions.  We have plans that do cover certain preexisting conditions or if you have exhausted your COBRA coverage and do not have a Conversion Plan available to you.

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Missouri Health Insurance

What is a Health Savings Account ?
A Health Savings Account is a type of health insurance plan based on a tax-sheltered savings account similar to an IRA. The savings account is attached to a high deductible health insurance plan. Savings are earmarked for medical expenses and can be withdrawn tax free. Deposits are 100% tax deductible and can easily be used to pay for medical expenses for the small and routine medical expenses with tax free dollars, until your annual health insurance deductible has been met. 

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Won't Social Security pay for my disability claim?

Statistically, 70% of all Social Security Disability Income claims for a Florida disability insurance policy are denied at application, or representation of a claim.  Don't find out the hard way that you can't count of Social Security to pay your claim.  It takes 5 months before benefits start and you must be disabled, or projected to be disabled by your doctor according to SSDI guidelines, for a minimum of 12 months.

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Missouri Small Group Health Insurance (5 - 50 Employees)

We can put together the right benefits package to satisfy all your employee health insurance needs. Our plans are designed with all size groups in mind. Small and medium sized groups can provide their employees with the same features and cost effectiveness as larger companies. If your tired of changing insurance carriers every few years, and having to go through all the procedures of re-enrolling your employees each time, then please give us a try.   

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