Blue Cross Blue Shield Monett Missouri: Find The Best Plan For You

Blue Cross Blue Shield Monett Missouri health insurance plans offer comprehensive coverage tailored to the needs of Monett residents. ApexInsuranceUsa helps you navigate the world of BCBS plans, ensuring you find the perfect medical coverage for your individual circumstances. Finding the right health plan can be challenging, but it doesn’t have to be.

This guide will walk you through everything you need to know about selecting a Blue Cross Blue Shield plan in Monett, Missouri. We’ll explore the various coverage options, premium costs, and the extensive provider network available. You’ll learn how to utilize the BCBS Monett website, access the BCBS Monett mobile app, and understand the claims processing procedures. We’ll also address crucial aspects like choosing a plan that fits your budget, understanding your benefits, and optimizing your network access. Choosing the right health plan should be easy—let us help you find the best fit for your healthcare needs and maximize your deductibles and premiums.

Comprehending Blue Cross Blue Shield Plans in Monett, MO

Blue Cross Blue Shield (BCBS) is a prominent name in the US healthcare insurance market, offering a range of plans across various states. Understanding the specifics of their offerings in Monett, Missouri, requires a close look at plan types, coverage details, and cost considerations. This guide aims to provide a comprehensive overview, helping you navigate the complexities of choosing the right BCBS plan for your needs. Remember to always verify plan details directly with BCBS or a licensed insurance agent for the most up-to-date information.

BCBS Plan Types in Monett, MO

BCBS in Missouri offers a variety of plans, each with varying levels of coverage and cost. The most common types include HMO, PPO, and EPO plans.

  • HMO (Health Maintenance Organization): HMO plans typically require you to choose a primary care physician (PCP) within the network. Referrals from your PCP are usually needed to see specialists. While generally more affordable in terms of premiums, out-of-network care is rarely covered. Let’s assume, for illustrative purposes, that a typical BCBS HMO plan in Monett, MO, might have a monthly premium of $350 for individual coverage and a yearly deductible of $1,500.

  • PPO (Preferred Provider Organization): PPO plans offer more flexibility. You can see any doctor within the network without a referral, and out-of-network care is usually covered, although at a higher cost. PPO premiums are typically higher than HMO premiums. A comparable BCBS PPO plan in Monett, MO, might have a monthly premium of $500 for individual coverage and a yearly deductible of $2,500.

  • EPO (Exclusive Provider Organization): EPO plans share similarities with HMOs, requiring you to select a PCP within the network. However, unlike HMOs, EPO plans may offer limited coverage for out-of-network care, usually only for emergencies. Let’s assume a BCBS EPO plan in Monett, MO, would cost approximately $400 monthly for individual coverage with a $2,000 annual deductible.

Example Premium and Deductible Comparison:

Plan Type Monthly Premium (Individual) Yearly Deductible Out-of-Network Coverage
BCBS HMO (Estimated) $350 $1,500 Limited or None
BCBS PPO (Estimated) $500 $2,500 Covered, at higher cost
BCBS EPO (Estimated) $400 $2,000 Limited to emergencies

Factors Influencing BCBS Plan Costs in Monett, MO

Several factors influence the cost of your BCBS plan in Monett, MO. These include:

  • Age: Premiums generally increase with age. Older individuals typically pay higher premiums than younger individuals.

  • Location: Geographic location can play a role. Areas with higher healthcare costs tend to have higher premiums. While Monett might have lower premiums than larger cities in Missouri, this is an assumption for illustrative purposes.

  • Tobacco Use: Smokers often face higher premiums than non-smokers due to increased health risks.

  • Health Status: Individuals with pre-existing conditions might encounter higher premiums or may require additional coverage. This depends on the specific plan and any applicable health regulations.

  • Plan Type: As shown in the table above, different plan types offer varied premium and cost-sharing structures. Choosing a plan type aligns with your individual healthcare needs and budget.

Finding a BCBS Doctor in Monett, MO

Finding a doctor within the BCBS network is crucial. You can typically use the BCBS website’s provider search tool to locate doctors, specialists, and hospitals in your area. For example, you can enter “Monett, MO” in the search field to get a list of in-network healthcare providers. Blue Cross Blue Shield of Missouri is a good starting point for this search. The website should provide a comprehensive directory of participating providers. Let’s assume, for illustration, there are approximately 150 BCBS participating doctors in the Monett, MO area, representing a healthy mix of specialists and primary care physicians.

Comparing BCBS to Other Insurers in Monett, MO

Choosing the right health insurance plan involves comparing different providers. While precise data comparisons require contacting insurers directly, we can create a hypothetical comparison.

Hypothetical Plan Comparison (Individual Coverage):

Insurer Plan Type Monthly Premium Yearly Deductible Out-of-Pocket Maximum
UnitedHealthcare (Hypothetical) PPO $480 $2,800 $7,000
Blue Cross Blue Shield (Hypothetical) PPO $500 $2,500 $6,500
[Hypothetical Insurer C] HMO $300 $1,000 $5,000

Important Note: The above data is purely hypothetical. Actual premiums and deductibles vary considerably based on the specific plan, age, health status, and other factors. Always contact insurers directly for the most accurate and up-to-date information.

Understanding BCBS Customer Service in Monett, MO

BCBS typically provides multiple avenues for customer support. They usually have a phone number and website with detailed FAQs and online resources. For example, let’s assume their customer service number for Missouri residents is 1-800-555-1212 (hypothetical) and their website includes online chat support, claims submission portals and a provider directory. Their physical office location in a nearby city (not Monett directly, for illustrative purposes) could be, for example, Springfield, MO. Always confirm contact information directly from the official BCBS website to ensure accuracy.

Additional Resources and Considerations

This information should provide a foundational understanding of Blue Cross Blue Shield plans in Monett, MO. However, it’s crucial to remember that this information is for illustrative purposes and should be supplemented with official plan details from Blue Cross Blue Shield of Missouri or a licensed insurance broker. Factors like pre-existing conditions, specific medical needs, and personal financial situations heavily influence the best plan choice. Seek personalized advice from a qualified professional to ensure you select the most appropriate and cost-effective health insurance plan for your unique circumstances.

Understanding BCBS Monett: Cost, Benefits, & Enrollment

This comprehensive guide delves into Blue Cross Blue Shield (BCBS) plans available in Monett, Missouri, providing crucial information on costs, benefits, and the enrollment process. We’ll analyze different plan options, compare them to other major insurers, and offer insights to help you make informed decisions about your health insurance needs. Remember, specific plan details and pricing can vary based on your age, location within Monett, and chosen coverage level. Always verify details directly with BCBS or a licensed insurance agent.

BCBS Monett Plan Options and Coverage Details

BCBS Monett offers a variety of plans, catering to individual needs and budgets. These plans typically fall under several categories: HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), and EPO (Exclusive Provider Organization). Each has its unique features regarding cost-sharing, network access, and out-of-pocket maximums.

For example, a hypothetical BCBS PPO plan in Monett might offer a monthly premium of $450 for an individual, with a $5,000 annual deductible and a $20,000 out-of-pocket maximum. This plan would likely include coverage for doctor visits, hospital stays, prescription drugs, and other essential healthcare services. A corresponding HMO plan might have a lower monthly premium of $375, a higher copay for doctor visits, but a similar out-of-pocket maximum. The choice depends on your healthcare utilization and budget preferences.

The specific benefits included in each plan vary. It’s crucial to carefully review the Summary of Benefits and Coverage (SBC) for your chosen plan to understand what services are covered and what your cost-sharing responsibilities will be. This document outlines deductibles, copays, coinsurance, and out-of-pocket maximums.

Comparing BCBS Monett to Other Insurers

To illustrate a comparison, let’s consider a hypothetical scenario. We will compare a representative BCBS Monett plan to a plan from a competing insurer, UnitedHealthcare, both offering similar coverage levels.

Comparative Analysis of BCBS Monett and UnitedHealthcare Plans (Hypothetical Data)

Feature BCBS Monett (Hypothetical PPO) UnitedHealthcare (Hypothetical PPO)
Monthly Premium $450 $480
Annual Deductible $5,000 $6,000
Out-of-Pocket Max $20,000 $22,000
Network Size 5,000+ Providers 4,500+ Providers
Prescription Drug Coverage Tiered formulary, varying costs Tiered formulary, varying costs

This table demonstrates that while premiums might be slightly lower with BCBS, UnitedHealthcare may have a larger network. The best choice depends on individual needs and preferences. Remember that these are hypothetical examples, and actual plan details will vary. Always check with the insurers directly for up-to-date information.

BCBS Monett: Finding Doctors and Hospitals in Your Network

Accessing care within the BCBS Monett network is crucial to maximizing your plan benefits. Most plans provide online tools to search for in-network doctors, specialists, and hospitals. These tools typically allow you to search by specialty, location, and even doctor rating. Utilizing these tools is essential to avoid unexpected out-of-network charges.

BCBS often publishes a provider directory on their website. This directory is a comprehensive list of healthcare professionals who have contracts with BCBS and agree to accept their negotiated rates. Checking this directory before scheduling appointments is highly recommended.

Understanding BCBS Monett Enrollment Process

Enrolling in a BCBS Monett plan can be done through various avenues. You might enroll through the HealthCare.gov marketplace during open enrollment periods, directly through BCBS’s website, or via a licensed insurance broker or agent. Open enrollment periods are generally in the fall, with coverage beginning the following January. Special enrollment periods may be available for certain life events, such as marriage, childbirth, or job loss.

The enrollment process typically involves providing personal information, selecting a plan, and providing payment information. You’ll receive confirmation of your enrollment and your insurance card once your application is processed. It is vital to carefully review all plan materials to understand your coverage and responsibilities.

Factors Influencing BCBS Monett Costs

Several factors influence the cost of BCBS Monett plans. Your age, location (rural areas may have different pricing than urban areas), and the type of plan you choose all play a significant role. Family plans will naturally cost more than individual plans. Plans with lower deductibles and copays will typically have higher monthly premiums. The health status of the individual or family also plays a role in pricing (though this isn’t something insurance companies can directly ask about).

Example illustrating potential cost differences based on plan type (Hypothetical Data):

Plan Type Monthly Premium (Individual) Monthly Premium (Family)
HMO $375 $1,100
PPO $450 $1,350
EPO $420 $1,250

These examples highlight the cost variations. Remember, these are hypothetical examples; actual costs will vary.

BCBS Monett: Customer Service and Resources

BCBS Monett provides various customer service channels, including phone support, online chat, and email. Their website often contains FAQs, educational materials, and tools to manage your account. It is always advisable to contact BCBS directly if you have questions about your coverage, claims, or billing. Having a clear understanding of your plan and the resources available to you is crucial for a positive healthcare experience.

It is vital to carefully review all policy documents and seek clarification if needed. Contacting a licensed insurance agent can also provide additional support and guidance in navigating your health insurance needs within Monett, Missouri. Remember to always check the official BCBS website for the most up-to-date information on plans, costs, and enrollment procedures.

Accessing BCBS Monett Services & Support

This section details how to access the services and support offered by Blue Cross Blue Shield (BCBS) in Monett, Missouri. Navigating the healthcare system can be complex, so understanding your options for accessing care and support is crucial. BCBS offers a variety of ways to connect with their network of providers and access essential information regarding your plan.

Finding a Doctor in the BCBS Network

Locating a doctor within the BCBS Monett network is a critical first step. The easiest way to do this is through the official BCBS Missouri website, which offers a comprehensive provider search tool. Simply enter your zip code (65708 for Monett), your desired specialty, and any other preferences. The tool will then display a list of in-network physicians in your area, along with their contact information, affiliations, and sometimes even patient reviews. Alternatively, you can contact BCBS Missouri customer service directly via phone or mail.

Understanding Your BCBS Monett Plan Benefits

Understanding the specifics of your BCBS Monett plan is essential for managing your healthcare costs effectively. Your plan documents, available online or through your employer, will outline your coverage details, including deductibles, co-pays, and out-of-pocket maximums. These documents should also clarify which services are covered, any pre-authorization requirements, and information on prescription drug coverage. If you have questions, don’t hesitate to contact BCBS Missouri‘s member services for clarification.

Utilizing BCBS Monett Online Resources

BCBS Missouri offers a robust online member portal, providing convenient access to your plan information, claims history, and other essential resources. This portal allows you to check your eligibility, view your explanation of benefits (EOB), pay your premiums, and even manage your dependent’s information. The online portal is a valuable tool for proactive healthcare management and cost transparency. Registration is typically straightforward and requires only basic personal information.

Contacting BCBS Monett Customer Service

If you have questions or require assistance, BCBS Missouri offers multiple channels for customer support. They provide a dedicated customer service phone number, typically available during extended business hours. You can also reach them via mail, although this method tends to be slower. The website also offers a comprehensive FAQ section that addresses many common questions. Finally, some plans may offer live chat support on their website. For expedited service, consider contacting them through phone first.

Example Customer Service Contact Information (Hypothetical):

  • Phone: (417) 532-XXXX
  • Mailing Address: 123 Main Street, Springfield, MO 65806
  • Website: www.bcbsmo.com (This is the actual website, but phone and address are hypothetical.)

Comparing BCBS Monett with Other Insurers in Missouri

Choosing the right health insurance plan is a significant decision. Comparing BCBS Monett with other insurers operating in Missouri can help you determine the best fit for your needs and budget. The following table provides a hypothetical comparison – actual figures will vary depending on the specific plan and insurer. Always consult the individual insurance provider for accurate, up-to-date information.

Comparison of Hypothetical Health Insurance Plans in Monett, MO

Insurer Monthly Premium (Family Plan) Annual Deductible Copay (Doctor Visit) Out-of-Pocket Maximum (Family) Network Size (Estimated)
Blue Cross Blue Shield (BCBS) Monett $1,200 $5,000 $50 $15,000 10,000
UnitedHealthcare $1,000 $6,000 $40 $12,000 8,000
Hypothetical Insurer X $1,300 $4,000 $60 $18,000 12,000

Note: This table is for illustrative purposes only. Actual premiums, deductibles, copays, and out-of-pocket maximums vary significantly depending on the specific plan chosen, your location, and your age. Network sizes are estimates and can fluctuate.

Claim Submission Process for BCBS Monett

Filing a claim with BCBS Monett is relatively straightforward. You can submit claims online through the member portal, via mail, or even through your healthcare provider. The online method is typically the fastest and most convenient. When submitting a claim via mail, ensure you include all necessary documentation, such as your insurance card, the claim form, and any supporting medical records. Always retain a copy of your submitted claim for your records. Your provider may also be able to directly file claims on your behalf, simplifying the process.

Preventive Care Coverage with BCBS Monett

BCBS Monett generally covers a wide range of preventive care services, often without cost-sharing. These services typically include annual physical exams, vaccinations, and certain screenings recommended based on age and gender. Refer to your plan documents for specific details on covered services. Preventive care is a crucial component of maintaining good health and can help avoid more costly medical interventions later.

Prescription Drug Coverage under BCBS Monett

Prescription drug coverage varies significantly depending on your specific BCBS Monett plan. Some plans offer a formulary, meaning a list of approved medications covered at different cost-sharing levels. Understanding your plan’s formulary is essential for managing prescription costs. The member portal often provides access to your plan’s formulary, or you can contact customer service for assistance in finding this information. Generic medications are usually cheaper than brand-name medications and often preferred.

Appealing a BCBS Monett Claim Denial

If a claim is denied, you have the right to appeal the decision. The appeal process is typically outlined in your plan documents. You will need to submit a written appeal, including all supporting documentation, within a specified timeframe. The appeal will be reviewed by a designated reviewer within the insurance company. Understanding your rights and the appeal process is crucial if a claim is denied. Contact BCBS Missouri customer service to fully understand your rights and the steps involved in appealing a denial.

Evaluating BCBS Monett to Other Health Insurance Options in Monett, Missouri

Choosing the right health insurance plan can feel overwhelming. In Monett, Missouri, you have several options beyond Blue Cross Blue Shield (BCBS). This section will help you understand how BCBS Monett stacks up against other major providers in the area, focusing on key factors to consider when making your decision. We will utilize hypothetical data where real data is unavailable to provide a clear visual comparison for you. Remember that specific plan details and costs change frequently, so always verify information directly with the insurance provider.

BCBS Monett Plan Options and Pricing

Blue Cross Blue Shield of Missouri offers a range of plans, from HMOs (Health Maintenance Organizations) to PPOs (Preferred Provider Organizations) and EPOs (Exclusive Provider Organizations). The cost of your plan will depend on several factors including the level of coverage, your age, your location within Monett, and your family status. For example, a hypothetical family plan with BCBS Monett might cost $1,500 per month with a $5,000 deductible, while a single individual plan might cost $400 per month with a $2,000 deductible. These are illustrative figures; actual costs will vary significantly. You can find detailed information on plan options and costs on the BCBS Missouri website.

Comparing BCBS Monett to Other Health Insurance Options in Monett, Missouri

To effectively compare, we need to consider several key factors beyond price. This includes the network of doctors and hospitals covered by each plan, the out-of-pocket maximums, and the specific benefits included.

Let’s create a hypothetical comparison table considering BCBS Monett, UnitedHealthcare, and a hypothetical local provider, “Community Health Plan”:

Hypothetical Comparison of Health Insurance Plans in Monett, MO

Feature BCBS Monett (Hypothetical Family Plan) UnitedHealthcare (Hypothetical Family Plan) Community Health Plan (Hypothetical Family Plan)
Monthly Premium $1,500 $1,650 $1,400
Annual Deductible $5,000 $6,000 $4,000
Out-of-Pocket Max $10,000 $12,000 $8,000
Network Size (Hypothetical) 150 Doctors, 3 Hospitals 120 Doctors, 2 Hospitals 80 Doctors, 1 Hospital
Copay (Doctor Visit) $30 $40 $25
Prescription Drug Coverage Tiered formulary, some generic drugs covered Tiered formulary, most generic drugs covered Basic formulary, limited generic drugs covered

Disclaimer: The numbers in this table are hypothetical examples and do not reflect actual plan offerings or pricing. Always check with each insurer for accurate, up-to-date information.

Network Access: A Crucial Consideration

The size and type of provider network is a critical factor in your choice. A larger network typically gives you more choices when selecting a doctor or hospital. BCBS Monett, given its established presence, generally boasts a larger network than smaller, regional providers. However, the specific doctors and specialists included in each plan will vary. You’ll want to verify that your preferred doctors and hospitals are included in the network before committing to a plan. Using the provider search tool on each insurer’s website is essential to check your coverage.

UnitedHealthcare and other major insurers like Anthem also operate in Monett, Missouri and offer varying network sizes and compositions. Smaller, local providers might offer competitive pricing but may have a more limited network of participating healthcare professionals.

Understanding Deductibles, Coinsurance, and Out-of-Pocket Maximums

Beyond monthly premiums, deductibles, coinsurance, and out-of-pocket maximums significantly impact your overall healthcare costs.

  • Deductible: The amount you must pay out-of-pocket before your insurance coverage begins. Higher deductibles generally lead to lower monthly premiums.
  • Coinsurance: The percentage of healthcare costs you share with your insurer after you’ve met your deductible.
  • Out-of-Pocket Maximum: The maximum amount you’ll pay for covered healthcare services in a year. Once this limit is reached, your insurance will cover 100% of the costs.

Consider the hypothetical figures in the comparison table to illustrate the differences. A higher deductible (like the one with UnitedHealthcare in our example) might seem attractive in terms of a lower monthly premium, but it could mean substantially higher out-of-pocket costs early in the year before the deductible is met.

Prescription Drug Coverage

Prescription drug coverage varies widely between plans and insurers. Some plans have more comprehensive formularies (lists of covered medications) than others, impacting the cost of your prescriptions. Check the specific formulary for each plan to see if your necessary medications are covered and at what cost. Generic medications typically cost less than brand-name medications, but coverage can still vary across plans.

Additional Benefits and Considerations

Consider other plan features like vision and dental coverage, which may be included in your plan or available as add-on options. Some plans may also offer wellness programs or telehealth services. Review the specific benefits and limitations of each plan carefully before making a decision.

Finding the Right Plan for Your Needs

Ultimately, the best health insurance plan for you depends on your individual circumstances and healthcare needs. Consider your budget, your health status, and your preferred doctors and hospitals when making your choice. Use the online tools provided by each insurance provider to compare plans side-by-side, and don’t hesitate to contact them directly with questions. Working directly with an insurance broker can help navigate this process as well.

Remember to check the websites of Blue Cross Blue Shield of Missouri, UnitedHealthcare, and other insurers in your area for the most up-to-date information on plans, coverage, and pricing in Monett, Missouri. This information is crucial in making an informed decision about your healthcare coverage.

Crucial FAQs: Your Questions About Blue Cross Blue Shield in Monett, MO Answered

This section addresses frequently asked questions about Blue Cross Blue Shield of Missouri (BCBSMO) services in Monett, MO. We’ll cover plan options, coverage details, costs, and how to find a doctor in your network. Remember, this information is for general guidance; always refer to your specific policy documents for precise details.

What Plans Does Blue Cross Blue Shield Offer in Monett, MO?

BCBSMO offers a range of plans in Monett, MO, catering to diverse needs and budgets. These include HMOs, PPOs, and EPOs. The specific plans available may vary depending on your employer’s group plan or your individual market selection.

HMOs typically offer lower premiums but require you to see in-network doctors. PPOs offer more flexibility with higher premiums, allowing out-of-network visits (though at a higher cost). EPOs are a hybrid, allowing in-network access only but offering more choice within the network. Contact BCBSMO directly or a licensed insurance broker to explore your options.

How Much Does Blue Cross Blue Shield Cost in Monett, MO?

The cost of a Blue Cross Blue Shield plan in Monett, MO, varies significantly based on several factors:

  • Plan Type: As mentioned, HMOs generally have lower premiums than PPOs.
  • Coverage Level: Higher coverage levels (e.g., platinum plans) offer more comprehensive benefits but come with higher premiums.
  • Age: Premiums typically increase with age.
  • Location: While the location within Monett itself may not drastically affect premiums, your location’s overall healthcare costs can influence pricing.

Example Premium Comparison (Hypothetical Data):

Plan Type Age 30 Age 45 Age 60
HMO Bronze $300/month $375/month $500/month
PPO Silver $450/month $550/month $700/month
PPO Gold $600/month $750/month $950/month

This is hypothetical data for illustrative purposes only. Actual costs will vary.

Finding Doctors in the Blue Cross Blue Shield Network in Monett, MO

Locating in-network physicians is crucial for maximizing your benefits. BCBSMO provides several tools to help:

  • Online Physician Directory: The BCBSMO website has a searchable directory of in-network doctors, allowing you to filter by specialty, location (including Monett, MO), and other criteria.
  • Member Services: Calling BCBSMO member services will allow a representative to assist you in finding doctors within your network and answer any additional questions.

What is Covered Under a Blue Cross Blue Shield Plan in Monett, MO?

The specific benefits covered by your BCBSMO plan depend heavily on the plan type you choose (Bronze, Silver, Gold, Platinum). However, most plans will include coverage for:

  • Hospitalization: This includes inpatient care, surgery, and related services.
  • Doctor Visits: Routine checkups, specialist visits, and other physician services.
  • Prescription Drugs: Coverage for prescription medications, often with a formulary (a list of covered drugs).
  • Diagnostic Tests: Blood tests, X-rays, and other diagnostic procedures.

Example of Essential Health Benefits Coverage (Hypothetical Data):

Benefit Category Bronze Plan Coverage (Percentage) Silver Plan Coverage (Percentage) Gold Plan Coverage (Percentage) Platinum Plan Coverage (Percentage)
Hospitalization 60% 70% 80% 90%
Doctor Visits 60% 70% 80% 90%
Prescription Drugs 70% 80% 90% 95%

This is hypothetical data and serves as an example only. Actual coverage percentages will vary based on your selected plan. Always check your policy documents for specific details.

How Do I File a Claim with Blue Cross Blue Shield in Monett, MO?

Filing a claim with BCBSMO is generally straightforward. Many claims are processed automatically through your provider if they are in-network. However, you may need to file a claim for out-of-network services or certain situations. The options usually include:

  • Online Claim Submission: Through the BCBSMO website’s member portal.
  • Mail: Via mail using the address provided on your policy documents.
  • Fax: If the claim requires immediate processing.

What are the Customer Service Options for Blue Cross Blue Shield in Monett, MO?

BCBSMO offers several customer service options to address your questions and concerns:

  • Phone: They have a dedicated customer service phone number. (Hypothetical Number: 1-800-555-1212)
  • Website: Their website provides a wealth of information, including FAQs, policy details, and online tools.
  • Mail: You can send written inquiries to their mailing address. (Hypothetical Address: 123 Main Street, Jefferson City, MO 65101)

Remember, seeking clarification from Blue Cross Blue Shield of Missouri directly is crucial for the most accurate and up-to-date information regarding your specific plan and circumstances in Monett, MO.