About The MO HealthNet Division
The Department of Social Services is officially designated as the single state agency charged with administration of the Missouri Medicaid program. The Missouri Division of Medical Services (DMS) was established within the Department of Social Services on February 27,1985 by the Governor’s executive order. With the passage of Senate Bill 577, The Missouri Health Improvement Act of 2007, effective September 1, 2007 the division’s name changed to the MO HealthNet Division (MHD). The Family Support Division within the Department of Social Services determines participant eligibility for the MO HealthNet programs.
A director, appointed by the director of the Department of Social Services, administers the MO HealthNet Division. The division receives professional and technical consultation from a medical care advisory committee and designated subcommittees representing the major disciplines participating in the program.
As a cost saving measure, a Buy-In provision was added in 1968 whereby the Supplementary Medical Insurance premium (Title XVIII B of the Social Security Act) is paid for participants of Old Age Assistance, Permanently and Totally Disabled, Aid to the Blind, Temporary Assistance for Needy Families, Specified Low Income Medicare Beneficiary and Qualified Medicare Beneficiary who meet the criteria for Medicare coverage. Buy-In permits the State to shift the largest portion of these participants’ medical expenses to the Medicare Program with the State’s responsibility being reduced to the Medicare Part A and B deductible and coinsurance amounts. The payment of the Medicare Part A and B deductible and coinsurance charge is referred to as a crossover claim.
Claims Payment and Encounter Data
Claims for medical services performed by fee-for-service providers and encounter data submitted by MO HealthNet Managed Care health plans are processed by a fiscal agent. The fiscal agent is selected through a competitive bid process. Under the direction of MHD, the fiscal agent operates a computerized claims processing system using claims and reference subsystems, claims data, provider and client eligibility data and an extensive system of edits and audits.
Fee-for-service claims are adjudicated by the fiscal agent to a "pay" or "deny" status and the provider is notified by a remittance advice. The provider is issued a check by the State of Missouri. Providers may select direct deposit of their checks.
Encounter data is submitted electronically by the MO HealthNet Managed Care health plans in the same layouts used for fee-for-service claims. The MO HealthNet Managed Care health plan is responsible for payment of covered benefits for MO HealthNet Managed Care members. The encounter data provides the state with a record of those services that have been provided.
MO HealthNet covered services fall into two categories -- mandatory and optional. Mandatory services are required by the federal government for all states wishing to have a Medicaid program. Optional services may be provided at the state’s discretion.
The benefit matrix shows the various benefits for each of the MO HealthNet programs and if they also have cost sharing or any co-pays.
The MO HealthNet Division may provide coverage through the exceptions process for services not covered by MO HealthNet by authorization of 13 Code of State Regulations 70-2.100. A provider may request coverage for an item or service under certain conditions of unusual or compelling need. The item or service which exceeds the normal MO HealthNet benefits must be needed to sustain the participant’s life, improve the quality of life for the terminally ill, replace an item due to an act of nature or be needed to prevent a higher level of care. No exception can be made for items or services that are restricted by State or Federal law or regulation.
Exception services for individuals under 21 years which are identified as a result of an HCY screening and are determined to be medically necessary are covered under the HCY program.
Healthy Children And Youth Program
The Early Periodic Screening, Diagnosis and Treatment (EPSDT) program was renamed the Healthy, Children and Youth (HCY) Program in Missouri. The HCY program provides services for eligible children and youth, age 0-20 years. The changes were the result of federal legislation contained in the Omnibus Reconciliation Act of 1989 (OBRA 89).
Diagnosis and treatment services had previously been available to MO HealthNet eligible children under an EPSDT Program, however treatment services were limited to those covered under MO HealthNet’s “medicaid state plan”.
The expansion of the EPSDT program under HCY provides that all medically necessary services identified as a result of an HCY screen that are above the scope of the "medicaid state plan" must be covered by the state. As a result, services in some existing programs have been enhanced and several new provider groups have been added.
- Counseling/social worker services
- Case management
- Private duty nursing
- Speech, occupational, and physical therapy
- Environmental assessments for lead
Additional benefits have been added for children in the following programs:
- Personal care
- Home health
- Orthodontic care
- Durable medical equipment
The HCY program provides all MO HealthNet eligible children with appropriate full health screens and subsequent treatment for identified health problems. Components of a full health screen are: interval history; physical examinations, anticipatory guidance, laboratory tests, immunizations, lead screening, development/personal social/language, fine/gross motor, hearing, vision, and dental. A full screen may be provided by a MO HealthNet enrolled physician, a nurse practitioner or nurse midwife when it is within their scope of practice. Partial and inter-periodic screenings are available from a wide range of health care professionals.
MO HealthNet Managed Care (formerly MC+ Managed Care)
Effective September 1, 1995, the state of Missouri introduced a new health care delivery program called MC+ Managed Care to serve certain participants that meet specified eligibility criteria. The goal is to improve the accessibility and quality of health care services for Missouri’s MO HealthNet and state aid eligible populations, while reducing the costs of providing that care. The state intends to achieve this goal by enrolling eligible participants in MO HealthNet Managed Care health plans that contract with the state to provide a specified scope of benefits to each enrolled participant in return for a capitated payment made on a per member, per month basis.
The program was designed through a collaborative process that included feedback from the provider, consumer and health plan communities, state of Missouri government agencies and the Centers for Medicare and Medicaid Services (CMS) formerly known as Health Care Financing Administration (HCFA).
The MO HealthNet Managed Care health plan is required to provide most of the basic benefits as identified by the state plan for adults and all medically necessary services for children under the age of 21. Other services previously not covered under MO HealthNet may be provided to participants if the health plan determines it is a suitable, appropriate and cost effective approach to providing a covered service.
MO HealthNet Managed Care has been implemented as follows:
Managed Care Region Implementation Date Counties Included
The Eastern Region was implemented September 1, 1995 and included the following counties: Franklin, Jefferson, St. Charles, St. Louis, and St. Louis City. On December 1, 2000, five new counties were added to the region: Lincoln, St Francois, Ste. Genevieve, Warren, and Washington. On January 1, 2008, the following three counties were added to the MO HealthNet Eastern Managed Care region: Madison, Perry and Pike.
The Central Region was implemented March 1, 1996 and included the following counties: Chariton, Randolph, Monroe, Saline, Howard, Boone, Audrain, Pettis, Cooper, Moniteau, Cole, Callaway, Montgomery, Morgan, Camden, Miller, Osage and Gasconade. On January 1, 2008, the following ten counties were added to the MO HealthNet Central Managed Care region: Benton, Laclede, Linn, Macon, Maries, Marion, Phelps, Pulaski, Ralls, and Shelby.
The Western Region was implemented January 1, 1997 and included the following counties: Jackson, Platte, Clay, Ray, Lafayette, Johnson and Cass. In February 1999, the service area was expanded to include Henry and St. Clair counties. On January 1, 2008, the following four counties were added to the MO HealthNet Western Managed Care region: Bates, Cedar, Polk and Vernon.
The Northwestern Region was implemented January 1, 1997 and included the following counties: Andrew, Atchison, Buchanan, Caldwell, Carroll, Clinton, Davies, DeKalb, Gentry, Grundy, Harrison, Holt, Livingston, Mercer, Nodaway, and Worth. All participants returned to fee for service by December 1998.
The participants who are eligible for inclusion in MO HealthNet Managed Care health plans are divided into three groups:
- Parents/Caretaker, Children, Pregnant Women, and Refugees
- Other MO HealthNet Children who are in the care and custody of the state of Missouri and Receiving Adoption Subsidy Assistance
- State Children’s Insurance Program (SCHIP) children
Children in the care and custody of Children’s Division receive all mental health services on a fee-for-services basis when provided by a MO HealthNet enrolled mental health provider. Physical, occupational and speech therapy services that are provided for children as identified in an Individual Education Plan or Individual Family Support Plan are provided on a fee-for-service basis when provided by a MO HealthNet enrolled provider.
MO HealthNet Eligibles
In Missouri there are many federal and state funded programs available to individuals who meet basic categorical eligibility criteria. For further information on MO HealthNet programs in Missouri, see "Puzzled by the Terminology?" . MO HealthNet refers to the statewide medical assistance programs for elderly and disabled individuals, low-income families, pregnant women and children. MO HealthNet individuals receive their care through either the FFS delivery system or the Managed Care delivery system, depending on where the individual lives in the state. MO HealthNet benefits are available to those persons who are determined eligible for the following types of assistance.
- MO HealthNet for Kids — Includes the following:
- Infants under the age of one whose family income is less than 185% of the federal poverty level may be eligible;
- children under the age of six at 133%; and
- children ages six through eighteen at 100%.
- Uninsured children with gross family income up to 300 percent of the federal poverty level. "Uninsured Children" are persons under nineteen years of age who have not had employer-subsidized health care insurance or other health care coverage for six months prior to application.
- MO HealthNet for Families (MHF) — The Personal Responsibility and Work Opportunity Reconciliation Act of 1996 (P.L. 104-193) eliminated the AFDC program delinking receipt of cash from Medicaid and replaced it with Section 1931 of the Social Security Act to provide Medicaid to low-income families with children.
- Transitional MO HealthNet (TMH) — Provides healthcare coverage to a family for up to 12 months, after the closing of MAF case due to employment or increased earnings.
- MO HealthNet for Pregnant Women (MPW) — This program is intended to provide MO HealthNet benefits to low-income pregnant women. A woman whose family income does not exceed 185% of poverty may qualify.
- Women’s Health Services Program (1115 Demonstration Waiver) — Uninsured women who lose MO HealthNet healthcare coverage sixty (60) days after the birth of their child are covered for women’s health services for an additional year, regardless of the income level. Coverage is limited to family planning, and testing and treatment of Sexually Transmitted Diseases.
- Newborn - Automatic Eligibility — Newborns are automatically eligible for assistance if their mother is receiving a federally matched category of assistance at the time of birth (except TEMP - See Temporary MO HealthNet During Pregnancy).
- MO HealthNet for the Aged, Blind, and Disabled (MHABD) (Spenddown and Non-Spenddown) — MO HealthNet coverage for persons who meet the requirements of: Old Age Assistance (OAA); Permanently and Totally Disabled (PTD) and Aid to the Blind. — Persons must be over age 65 or meet the Supplemental Security Income (SSI) definition of disabled or the state definition of blindness. Persons receiving Supplemental Security Income (SSI) or Social Security based on age or disability are automatically qualified for Medical Assistance on those factors. Persons determined by Social Security to meet 1619 A or B status are eligible as non-spenddown.
- MO HealthNet for Disabled Children (MHDC) — A disabled child may be eligible for Medical Assistance. The income and resources of the parents are taken into consideration.
- Supplemental Nursing Care — Provides a state grant and MO HealthNet benefits to elderly, blind, and disabled persons in licensed residential care facilities and non-MO HealthNet nursing homes.
- Supplemental Aid to the Blind — Provides assistance to needy blind persons.
- Qualified Medicare Beneficiary — Pays for Medicare premiums, deductible and coinsurance for eligible persons enrolled in Medicare part A with income up to 100% of poverty.
- Specified Low Income Medicare Beneficiary — Provides payment of Medicare Part B premiums to individuals who would be eligible for the Qualified Medicare Beneficiary program except for excess income. Income must be more than 100% of the Federal Poverty Level, but not exceed 120%.
- Psychiatric Services 21 years and under — Provides assistance to individuals under 21 in a psychiatric facility.
- IV/E Alternative Care — Provides assistance to children in the Children’s Division’s (CD) foster care and adoptive homes.
- Homeless, Dependent, Neglected Children — Provides assistance for children in care and custody of the Children’s Division (CD).
- Medical Assistance for Children in Care — Children in the custody of Division of Youth Services (DYS) or a juvenile court.
- Breast and Cervical Cancer Treatment Program — MO HealthNet coverage for uninsured women under age 65 screened for breast or cervical cancer by Missouri’s Breast and Cervical Cancer Control Project (BCCCP). (Note: The BCCCP Program has requirements including income limits that must be met to get the screening.)
- Refugee Assistance — Persons who are admitted to the United States with an immigration status of refugee or asylum may qualify for a short period of time in order to establish self-sufficiency if they do not meet eligibility for another category.
- Temporary MO HealthNet During Pregnancy (TEMP) — Pregnant women may be determined eligible by qualified providers for temporary eligibility during pregnancy until they can apply for and begin receiving full MO HealthNet benefits. TEMP is "state only" from the time a participant is found ineligible for regular MO HealthNet until the end of the TEMP eligibility period.
- Presumptive Eligibility for Children — Provides a period of presumptive eligibility to children in families with income below 150% of the Federal Poverty Level. Children under the age of 19 may be determined eligible by qualified entities for MO HealthNet on a temporary basis prior to having a formal eligibility determination completed.
State Only Funded Categories of Assistance
- Blind Pension — Persons who do not qualify for Aid to the Blind and who are not eligible for SSI may qualify.
- Children’s Division (CD) Foster Care — Children’s Division determines eligibility for children under 21 in foster care who qualify for federally matched MO HealthNet.
- Children’s Division (CD) Adoption Subsidy — Provides assistance for special needs children placed in adoptive homes who were not IV-E eligible.
- Division of Youth Services General Revenue Children (DYS-GR) — Provides assistance for children in a public institution under the direction of Division of Youth Services.
Congress enacted Section 2176 of Public Law 97-35 of the Social Security Act, entitled the Omnibus Budget Reconciliation Act. Through this enactment in 1981, certain statutory limitations have been waived in order to give states, who have received approval from the Department of Health and Human Services, the opportunity for innovation in providing home and community based services to eligible persons who would otherwise require institutionalization in a nursing facility, hospital or intermediate care facility for the mentally retarded (ICF/MR). Currently, Missouri has approval to provide services under the following waivers:
- Autism Waiver — This waiver was implemented July 1, 2009. The Autism Waiver provides services and supports to children, ages 3 through 18, with autism spectrum disorders to enable them to remain at home with their families. Services included in the Autism Waiver are: assistive technology, behavioral analysis services, community specialist services, environmental accessibility adaptations, person centered strategies consultation, personal assistant, professional assessment and monitoring, in and out-of-home respite, specialized medical equipment and supplies, support broker service and transportation. The Department of Mental Health, Division of Developmental Disabilities administers this program through an inter-agency agreement with MO HealthNet.
- Aged and Disabled Waiver — This program offers in-home services to individuals aged 63 or over who have been assessed with certain impairments and unmet needs to the extent that they would require nursing home care in the absence of these services. The services available include homemaker, chore, respite, and home delivered meals. The Department of Health and Senior Services, Division of Senior and Disability Services administers this program through an inter-agency agreement with MO HealthNet.
- AIDS Waiver — This program provides in-home services to participants diagnosed by a physician as having AIDS or an HIV-related illness and are assessed as meeting a nursing home level of care. The services available include personal care, private duty nursing, attendant care, and supplies. Supplies include diapers, underpads, and gloves. The Department of Health and Senior Services, Bureau of HIV, STD, and Hepatitis administers this program through an inter-agency agreement with MO HealthNet.
- Independent Living Waiver — This program is similar to the Consumer-Directed State Plan Personal Care program, requiring the same eligibility criteria be met and offering additional personal assistance services beyond the limitations of the state plan. Additional services available include environmental accessibility adaptations, specialized medical equipment and supplies, and case management. The Department of Health and Senior Services, Division of Senior and Disability Services administers this program through an inter-agency agreement with MO HealthNet.
- Medically Fragile Adult Waiver — This program offers services to individuals who have serious and complex medical needs and are no longer eligible for services under the Healthy Children and Youth program. To be eligible, an individual must be age 21 or older and assessed as requiring placement in an ICF/MR absent these services. The services available include attendant care, private duty nursing and specialized medical supplies. The Department of Health and Senior Services, Bureau of Special Health Care Needs administers this program through an inter-agency agreement with MO HealthNet.
- DD Comprehensive Waiver — This program offers services to individuals who have mental retardation and/or a developmental disability who would, except for receipt of services through this program, require placement in an Intermediate Care Facility for the Mentally Retarded (ICF/MR). The services available through this program include: assistive technology, behavior analysis services, co-worker supports, community transition, community specialist services, counseling and crisis intervention, community employment, environmental accessibility adaptations, group home services, independent living skills development, individual supported living, job discovery, job preparation, occupational, physical and speech therapy, professional assessment and monitoring, person centered strategies consultation, personal assistant, in and out-of-home respite, specialized medical equipment and supplies, support broker services, shared living and transportation. The Department of Mental Health, Division of Developmental Disabilities administers this program through an inter-agency agreement with MO HealthNet.
- Missouri Children with Developmental Disabilities waiver (MOCDD) — Also known as the Sarah Lopez Waiver, was implemented October 1, 1995. The waiver grants Medicaid eligibility to those children who would be determined eligible for MO HealthNet if they were to reside in an institution, but whose families have chosen to have the child remain home. The MOCDD waiver permits the state to view only the child’s income when making the eligibility determination. Services provided through the MOCDD waiver include: behavior therapy, community specialist, crisis intervention, developmental habilitation, environmental accessibility adaptations, personal assistant, in and out-of-home respite, specialized medical equipment and supplies, support broker services and transportation. The Department of Mental Health, Division of Developmental Disabilities administers this program through an inter-agency agreement with MO HealthNet.
- Division of DD Community Support Waiver — This waiver is targeted to individuals who have a place to live in the community and receive substantial unpaid support from family members. The eligibility criteria and services available through this program are identical to the DD Comprehensive waiver with the exception of community transition, group home, and individualized supported living and shared living. The Department of Mental Health, Division of Developmental Disabilities administers this program through an inter-agency agreement with MO HealthNet.
- MO HealthNet Managed Care (1915(b)) Waiver — Provides health care services for MO HealthNet beneficiaries through a Managed Care delivery system. All MO HealthNet beneficiaries who reside in a MO HealthNet Managed Care county are required to enroll in MO HealthNet Managed Care except individuals who are in the MO HealthNet Managed Care program either because they receive SSI disability payments, they meet the SSI disability definition as determined by the Department of Social Services, or they receive adoption subsidy benefits. These individuals have the option of choosing to receive health care services on a fee-for-service basis or through the MO HealthNet Managed Care program. The option is entirely up to the individual, parent, or guardian. Those individuals not residing in a MO HealthNet Managed Care county receive their health care services on a fee-for-service basis.
- Partnership for Hope Waiver — The Partnership for Hope Waiver was implemented October 1, 2010. The purpose of this waiver is to prevent or delay institutional services for individuals who require minimal services in order to continue living in the community. This waiver is operated in 94 Missouri counties and includes: assistive technology, behavior analysis service, community employment, community specialist services, day service, dental, employer provided job supports, environmental accessibility adaptations, job discovery, job preparation, occupational, physical and speech therapy, personal assistant, positive behavior support, professional assessment and monitoring, specialized medical equipment and supplies, support broker services, temporary residential services, and transportation. The Department of Mental Health, Division of Developmental Disabilities administers this program through an inter-agency agreement with MO HealthNet.
- Women’s Health Services Program (1115 Demonstration Waiver) — Missouri’s Women’s Health Services Program expands MO HealthNet coverage to uninsured women (Sixth Omnibus Reconciliation Act (SOBRA 1986) women) who are 18 through 55 years of age losing their MO HealthNet eligibility 60 days after the birth of their child for up to one year. MO HealthNet also offers Women’s Health Services to women ages 18 through 55 that have family income at or below 185% of the Federal Poverty Level (FPL), who have assets totaling less than $250,000, and are not otherwise eligible for Medicaid, the Children’s Health Insurance Program ((CHIP), Medicare, or health insurance coverage that provides family planning services. There is no cost sharing for this coverage and services are obtained through the MO HealthNet fee-for-service program.
- Program of All-Inclusive Care for the Elderly (PACE) — This program is a comprehensive service delivery system for the frail elderly. To be eligible to enroll in the PACE Program individuals must be 55 years of age or older, reside in the service area of the PACE organization, be determined by the Missouri Department of Health and Senior Services to need the level of care required for nursing facility services, and be recommended by the PACE staff for PACE Program services as the best option for their care. Individuals may be entitled to Medicare Part A, enrolled under Medicare Part B and/or Medicare Part D, be eligible for MO HealthNet, or be private pay to enroll in the PACE Program. The PACE Organization provides a full range of preventive, primary, acute, and long-term care services 24 hours per day, 7 days per week to PACE participants.
For further information, read Missouri 1915c Home & Community Based Services Waivers.
Nursing Home - Supplemental Nursing Care Program
Under the Supplemental Nursing Care Program (also known as cash grant), individuals meeting eligibility requirements as determined by the Family Support Division (FSD) and residing in a Residential Care Facility (RCF), licensed but not Title XIX (MO HealthNet) certified, may receive a cash payment. The maximum cash payment by FSD is established by Missouri statute. All assistance payments to persons in this cash grant program are entirely from state funds. Being eligible to receive a cash payment also allows the participant to be eligible for MO HealthNet services.
Nursing Home -Title XIX
Nursing Home Reform, also known as Omnibus Budget Reconciliation Act of 1987, established a Pre-Admission Screening and Resident Review (PASARR) process that is designed to address the specific needs of the mentally retarded, developmentally disabled, and mentally ill who either reside in a nursing home or are requesting admittance to a nursing home. The goal of the screening process is to insure appropriate placement of individuals in a setting in which their specialized needs can be met.
Pharmacy and Clinical Services Program
The MO HealthNet Pharmacy and Clinical Services Program oversees outpatient prescription drug reimbursement for fee-for-service eligibles. Effective January 1, 1991, the Omnibus Budget Reconciliation Act of 1990 (OBRA-90) pharmacy provisions significantly expanded the coverage to include reimbursements for all drug product of manufacturers who have entered into a rebate agreement with the Federal Department of Health and Human Services (HHS) and that are dispensed by qualified providers. States have the authority for certain exceptions and to exclude from coverage certain specified categories of drugs. In addition, OBRA-90 included provisions requiring both a prospective and retrospective drug use review program.
Prior Authorization/Clinical and Fiscal Editing — Covered outpatient drugs may be subject to Point-of-Sale clinical, fiscal, or prior authorization editing. Clinical edits are designed to enhance patient care and optimize the use of program funds through therapeutically prudent use of pharmaceuticals. Point-of-sale (POS) pharmacy claims are routed through an automated computer system to apply edits specifically designed to ensure effective and appropriate drug utilization. In most cases, these edits will be transparent to providers and participants. The goal of these edits is to encourage cost effective therapy within the selected drug class.
MO HealthNet’s improved POS computer system allows each claim to be referenced against the participant’s pharmacy claims history, medical claims history (including ICD-9 codes), and procedural data (CPT codes) transparently. For those patients that meet any of the approval criteria, the claim will be paid automatically. In the rare instances when a phone call is necessary, our responsive hotline call center is available seven day a week, which allows providers prompt access to a paid claim for the requested product. In addition to receiving messages regarding the outcome of the claims processing and the reimbursement amount, pharmacy providers receive prospective drug use review alert messages for their information at the time the prescriptions are dispensed.
MO HealthNet provides all participants with a plastic identification card with a magnetic strip for swipe devices. As a result, providers have access to the most up-to-date benefit information. Providers may access eligibility information via a point-of-service terminal that generates a detailed printout of all eligibility information, or they can call the Interactive Voice Response (IVR) Unit’s telephone number at 573/635-8908. Providers can also access eligibility information at the MO HealthNet billing Web site.
Poverty Level Needs And Income Standards
One of the factors of eligibility in Missouri is the comparison of income to a need standard. Income must be below the need standard in order to qualify for assistance. The Family Support Division Web site has the current Federal Poverty Guidelines.
Pregnant women and children may qualify for MO HealthNet only (no cash payment) under comparisons of income to the higher percentages of federal poverty level based on the child’s age. Pregnant women and infants under age one may qualify under the poverty program if they have income of less than 185% of the federal poverty level. Children ages 1-5 are eligible at 133% of the poverty level. Children age 6-18 are eligible at 100% of the poverty level.
Uninsured children in families with income above Medicaid poverty standards may qualify for MO HealthNet for Kids (SCHIP) if their family’s gross income is below 300% of the federal poverty level.
Elderly, blind and disabled individuals — The non-spenddown income limit is 85% of the federal poverty level. Persons above the non-spenddown income limit must incur medical expenses (spenddown) equal to the amount their income exceeds the limit before they are eligible.
MO HealthNet for Families (MAF) provides healthcare coverage for families with income that does not exceed the July 16, 1996 Aid to Families with Dependent Children (AFDC) income standards.
The MO HealthNet program is jointly funded by state and federal dollars. To see how MO HealthNet dollars are spent, see "Where do the MO HealthNet dollars go?" .
Approved, enrolled MO HealthNet Program providers of service provide services. Those who participate in the MO HealthNet Program agree to accept MO HealthNet payment as reimbursement in full for any services provided to MO HealthNet participants. A participant cannot be billed for the difference between the MO HealthNet payment and the provider’s billed charges. MO HealthNet Managed Care services are provided in accordance with the terms and conditions of the contract between MHD and the MO HealthNet Managed Care health plans. Participants enrolled in MO HealthNet Managed Care access services through the health plan’s provider network. The health plan network may include providers not enrolled in the fee-for-service program.
An individual may apply for medical assistance at the county Family Support Division (FSD) office in which (s)he resides, or in some cases at outreach sites. Applications for MO HealthNet Managed Care may be made by phone by calling (888) 275-5908 or by mailing a completed MO HealthNet Managed Care application to a MO HealthNet Managed Care Service Center. If the individual is determined eligible, the individual or family receives an approval letter from the FSD county office that is valid until they are issued a MO HealthNet identification card with the next regular payroll. Participants eligible for MO HealthNet Managed Care must enroll in a health plan. The MO HealthNet Managed Care participant must present the MO HealthNet card and the MO HealthNet Managed Care health plan card each time a medical service is rendered.
Third Party Liability (TPL)
Third party liability (TPL) refers to the legal obligation of other third party resources (TPRs) to pay the medical claims of MO HealthNet participants prior to MO HealthNet coverage. A few common TPRs are Medicare, health insurance, workers’ compensation, automobile medical insurance, homeowner’s insurance, malpractice, product liability, medical support orders, and probate. The function of Third Party Liability within the MO HealthNet program is to ensure these resources are utilized as a primary source of payment in lieu of taxpayer dollars.
TPL Information is obtained by the FSD eligibility specialist primarily during the MO HealthNet eligibility determination process. Supplementing this initial contact are data matches with both private and public entities, edits within the claims processing system, direct inquiries to participants, non-custodial parents and other potential liable parties, and a contingency fee contract for identification and recovery of funds the state is unable to pursue.
Cost savings originate from two methods. They are (1) cost avoidance and (2) benefit recovery.
- Cost avoidance occurs when claims are either denied in order for the provider to pursue recovery from the TPR or when the MO HealthNet payment is cutback by the amount the TPR paid for the service. This method of cost savings is the most cost effective and must be utilized whenever possible. There are certain claims that are not eligible for cost avoidance due to federal regulation or when it is not cost effective to perform this method. This procedure is known as the Bypass Provision.
- Benefit recovery occurs after MO HealthNet issues payment to the provider for a covered service. The Cost Recovery Unit pursues direct reimbursement of the MO HealthNet payment from the liable TPR. The most common reason to utilize benefit recovery arises when the TPR is not identified until after MO HealthNet has issued payment for the covered service.