Missouri Revised Statutes Title XXIV. Business and Financial Institutions § 376.432. Group-type basis, defined

(1) Coverage is provided through insurance policies or contracts to classes of employees or members defined in terms of conditions pertaining to employment or membership;

(2) The coverage is not available to the general public and can be obtained and maintained only because of the covered person's membership in or connection with the particular organization or group;

(3) There are arrangements for bulk payment of premiums or subscription charges to the insurer or health services corporation; and

(4) There is sponsorship of the plan by the employer, union or association.