Skilled nursing and residential care facilities in Missouri
PlanOptica tracks 60 health and welfare plans sponsored by 50 skilled nursing and residential care facilities in Missouri, covering 22,605 participants and $44M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 153 participants, and the most common size is under 100 participants (38% of plans). Most of these plans are self-funded or mixed (65%), so stop-loss and TPA relationships matter as much as the medical carrier.
United Healthcare Insurance Company leads by premium with a 25% share, followed by Healthy Alliance Life Insurance Company at 20%. Marsh & McLennan Agency LLC is the broker of record on 4 plans, more than any other firm, ahead of Brown & Brown Ins Agy of Va, Inc (4). 63% of plans report broker compensation on Schedule A; the median brokered plan pays $38K a year, about 11.7% of premium. St. Louis, Saint Louis and St Louis have the most plans.
Funding mix
- Self-funded21 · 35%
- Fully insured20 · 33%
- Mixed18 · 30%
- Unknown1 · 2%
Plan size (participants)
- Under 10023 · 38%
- 100 to 24914 · 23%
- 250 to 4998 · 13%
- 500 to 9999 · 15%
- 1,000 or more6 · 10%
Median plan: 153 participants. Median broker comp: 11.7% of premium across 38 brokered plans.
Top carriers, skilled nursing, Missouri
- 1United Healthcare Insurance Company$11M5 plans · 24.8%
- 2Healthy Alliance Life Insurance Company$9.0M7 plans · 20.3%
- 3Blue Cross and Blue Shield of Kansas City$8.4M1 plans · 19.0%
- 4Aetna Life Insurance Company$3.5M3 plans · 8.1%
- 5The Guardian Life Insurance Company of America$2.9M10 plans · 6.5%
- 6Life Insurance Company of North America$1.5M6 plans · 3.5%
- 7Colonial Life & Accident Insurance Company$1.0M3 plans · 2.4%
- 8Lincoln National Life Insurance Company$1.0M2 plans · 2.3%
- 9Hartford Life and Accident$825K6 plans · 1.9%
- 10United Healthcare Insurance Co$762K2 plans · 1.7%
Top brokers, skilled nursing, Missouri
- 1Marsh & McLennan Agency LLC4 plans$529K comp · 10.5%
- 2Brown & Brown Ins Agy of Va, Inc4 plans$261K comp · 10.5%
- 3Lockton Companies, LLC4 plans$234K comp · 10.5%
- 4Spetner Associates, Inc4 plans$97K comp · 10.5%
- 5Gis Benefits, Inc4 plans$8K comp · 10.5%
- 6Usi Insurance Services LLC3 plans$90K comp · 7.9%
- 7Heffernan Insurance Brokers3 plans$41K comp · 7.9%
- 8Gallagher Benefit Services, Inc2 plans$256K comp · 5.3%
- 9Digital Insurance, LLC2 plans$171K comp · 5.3%
- 10Legacy Advisors LLC2 plans$74K comp · 5.3%
Largest skilled nursing and residential care facilities in Missouri
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Lutheran Senior Services Dba Evertrue Lutheran Senior Services Dba Evertrue Benefits PlanAll plans | St. Louis | Mixed | 2,194 | $1.2M | The Lincoln National Life Insurance Company |
| Delmar Gardens Enterprises, Inc Delmar Gardens Enterprises, Inc. Life PlanAll plans | Chesterfield | Fully insured | 1,908 | $963K | Life Insurance Company of North America |
| Cedarhurst Living LLC Cedarhurst Living Benefit PlanAll plans | Saint Louis | Fully insured | 1,855 | $6.2M | Health Net |
| Health Systems, Inc Cafeteria Plan for the Employees of Health Systems, IncAll plans | Osage Beach | Mixed | 1,521 | $1.0M | Unum Life Insurance Company of America |
| Arrow Senior Living Management, LLC Arrow Senior Living Health & Welfare PlanAll plans | St. Charles | Fully insured | 1,497 | $8.4M | United Healthcare Insurance Company |
| Eldercare Management Services, Inc Eldercare Management Services, Inc. Health and Welfare PlanAll plans | Saint Charles | Fully insured | 973 | $1.7M | Health Net |
| Careplus Insurance, L.L.C Careplus Employee Benefit PlanAll plans | Kansas City | Self-funded | 899 | - | - |
| Premier Life Premier Life Employee Assistance ProgramAll plans | Lees Summit | Unknown | 755 | - | - |
| Rediscover Rediscover Wrap PlanAll plans | Lees Summit | Fully insured | 750 | $9.4M | Blue Cross of California |
| Bethesda Health Group, Inc Group Long Term Disability and Group Short Term Disability Plan for Bethesda Health Group IncAll plans | St. Louis | Mixed | 722 | $135K | Life Insurance Company of North America |
| Provision Living Associates, LLC Provision Living Associates Welfare Benefits PlanAll plans | St Louis | Fully insured | 574 | $514K | Health Net |
| CHP Snfco LLC Dba Aspire Senior Living Chpsnfco Dba Aspire Senior Living Benefits PlanAll plans | Independence | Mixed | 499 | $192K | United of Omaha Life Insurance Company |
| St. Andrew's Resources for Senior Systems St. Andrew's Resources for Senior Systems Health and Welfare PlanAll plans | Saint Louis | Fully insured | 489 | $3.3M | Aetna Life Insurance Company |
| Citizens Memorial Health Care Foundation Group Section 125 Flexible Benefits,medical,dental,life, and Long Term Disability PlanAll plans | Bolivar | Mixed | 418 | $385K | Reliance Standard Life Insurance Company |
| Carestl Health Carestl Health Medical PlanAll plans | St. Louis | Self-funded | 408 | - | - |
Showing 15 of 50 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Missouri
- St. Louis8 plans · 4,662 participants
- Saint Louis8 plans · 2,375 participants
- St Louis6 plans · 1,690 participants
- Lees Summit4 plans · 2,676 participants
- Columbia4 plans · 373 participants
- Chesterfield3 plans · 3,479 participants
- Kansas City2 plans · 918 participants
- Humansville2 plans · 187 participants
- Blue Springs2 plans · 40 participants
- Osage Beach1 plans · 1,521 participants
- St. Charles1 plans · 1,497 participants
- Saint Charles1 plans · 973 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Missouri offer an ERISA health plan?
60 health and welfare plans from 50 skilled nursing and residential care facilities in Missouri appear in plan year 2024 to 2025 filings on Form 5500, covering 22,605 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most skilled nursing and residential care facilities in Missouri?
By Schedule A premium: United Healthcare Insurance Company (25% of premium, 5 plans), Healthy Alliance Life Insurance Company (20% of premium, 7 plans) and Blue Cross and Blue Shield of Kansas City (19% of premium, 1 plan).
Which benefits brokers work with skilled nursing and residential care facilities in Missouri?
By number of client plans: Marsh & McLennan Agency LLC (4 plans), Brown & Brown Ins Agy of Va, Inc (4 plans) and Lockton Companies, LLC (4 plans). 63% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Missouri?
The median brokered plan reports $38K a year in broker commissions and fees, or 11.7% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Missouri self-funded or fully insured?
Self-funded 35%, fully insured 33% and mixed 30%. Self-funded and mixed plans together make up 65%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care.
Prospect skilled nursing and residential care facilities in Missouri
Open the welfare search with Missouri and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Skilled nursing in nearby states
Other healthcare specialties in Missouri
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care. Location is the sponsor's filing address in Missouri.