About the Network
No. While Boone Hospital is a valued participant, the Health Cooperative of Missouri is a broad network of high-quality healthcare providers — not a single-hospital plan.
Since launching in 2019, the Health Cooperative has expanded to include:
- 8 healthcare facilities
- More than 1,300 medical providers across Missouri
The cooperative was designed to give employers access to a coordinated provider network with meaningful cost advantages and enhanced employee benefits.
Yes. The Health Cooperative functions as an enhanced benefit tier added to your existing health plan — it does not replace your current coverage.
Employees who prefer to continue seeing out-of-network providers may do so under their existing plan benefits. The Health Cooperative simply provides an additional no out-of-pocket option when employees choose participating in-network providers.
Eligibility & Company Fit
Yes. The Health Cooperative works with groups as small as 5–10 enrolled employees. In many cases, small and mid-sized employers benefit the most because they gain access to coordinated, cost-effective healthcare solutions traditionally available only to much larger organizations.
Absolutely. Your broker works with a wide range of employee benefit solutions. Requesting a quote through the Health Cooperative comes with no obligation.
Evaluating the Financial Impact
The best way to evaluate the opportunity is through a customized quote analysis.
To begin underwriting, we typically need:
- Employee census information
- Current rates
- Current plan design information
Social Security numbers are not required.
Prior to sharing any information, we provide a signed Non-Disclosure Agreement (NDA) to ensure all data remains protected and is used exclusively for underwriting purposes.
The Value of the Health Cooperative
Employers benefit from lower provider reimbursement rates, which can translate into lower overall healthcare costs and premium savings.
Additional employer benefits include:
- Lower reimbursement rates that support lower premiums
- Greater transparency tied to actual healthcare costs
- Stronger recruiting and retention benefits
- Improved workforce productivity and engagement
Employees gain both flexibility and financial relief.
When employees choose participating Health Cooperative providers, eligible services are provided with:
- No co-pays
- No deductibles
- No co-insurance
Implementation & Long-Term Stability
Enrollment timing is typically aligned with your current renewal date. Underwriting generally takes 1–2 weeks, and implementation is designed to be straightforward and well-supported.
Yes. Since its launch in Mid-Missouri in 2019, the Health Cooperative has continued to grow steadily and strategically across Missouri and into additional states.
Questions?
Contact your broker for additional information or a customized quote analysis.