0855.005.45.05 Premium Collection Process – DSS Manuals

IM-106 December 28, 2023 ; IM-26 May 9, 2016 ; IM-17 March 21, 2014 ; IM-26 March 11, 2013 ; IM-20 March 13, 2012 ; IM-16 March 14, 2011 ; IM-13 March 5, 2009 ; IM-22 March 7, 2008 ; IM-77 August 28, 2007

Upon approval, the MO HealthNet Division (MHD) will send an initial invoice letter, billing the participant for the premium amount for any past coverage selected through the month following approval. Coverage will not begin until the premium payment is received. If the participant does not send in the complete amount, they will be credited for any full month premium amount received starting with the month after approval and going back as far as the amount of premium paid allows.

EXAMPLE : Mr. Smith applies in October and is ready for TWHA premium group approval in November. He is eligible for TWHA in the prior quarter and his premium is $42 per month. Family Support Division (FSD) staff must contact Mr. Smith to determine the date he wants coverage to begin prior to approval. If he selects September as his beginning month of coverage, he will owe $168 ($42 x 4) for September, October, November, and December with his first premium payment. If he selects November, he will owe $84 ($42 x 2) for the months of November and December with his first premium payment. If Mr. Smith selects November but only sends in $42, he will be given coverage starting with December. Mr. Smith could also select to pay the premium of $42 for December only. In December, MHD will send an invoice for the premium for January’s coverage. Thereafter, MHD will send a recurring invoice on the second working day of each month for the next month’s premium. If the premium is not received prior to the beginning of the new month, the person’s coverage ends on the last day of the last paid month.

MHD will not send a recurring invoice to the participant after six months of non-payment of premium. The participant’s eligibility for TWHA will remain open but the individual will not receive coverage until the premium is paid. Invoice information may be accessed through MO HealthNet Division’s invoicing system, HealthTrack.

EXAMPLE : Mr. Jones is approved for premium coverage in December with a MO HealthNet beginning date of September 1 st . On December 16 th Mr. Jones is sent an initial invoice for September through January. Mr. Jones does not send a payment in response to the initial invoice. January is counted as one month of non-payment. In January, February, March, April and May, MHD sends recurring invoices, but Mr. Jones sends no payment for any months. This is a total of six months of non-payment. MHD will no longer send a recurring invoice. Mr. Jones’s case will remain active in the system but no coverage is received until a premium payment is received.

MHD Premium Collections Unit will collect the premiums for TWHA. TWHA participants will have the option of paying the premium by automatic withdrawal. Participants who choose this option must file a Ticket to Work Health Assurance Withdrawal Authorization (Start, Change or Cancel) (2575-057) form with MHD to have their premium amount withdrawn from an existing bank account.

Withdrawals will be made on the 15th of each month. The effective begin date for automatic withdrawals for TWHA premiums are dependent on the day the form is received by MHD and when the financial institution puts the withdrawal in place. Therefore, participants must send a check or money order to MHD to pay for the prior, current and possibly the month after sending in the form. The participant will receive a monthly confirmation of withdrawal from MHD. If a problem with the withdrawal occurs, MHD will send a letter informing the participant that their automatic withdrawal was returned. Reasons for the return and instructions on how to resume automatic withdrawal or correct the problem are included in the letter.

Note: Premium payments must be sent to the MHD Premium Collections unit at the address noted on the invoices.