Louisiana Health Insurance

When you're shopping for insurance coverage in Louisiana, you'll want to keep your own needs in mind and determine which company is best able to meet those needs. Some things to remember:

• Make a list of several quality insurance companies doing business in Louisiana
• Research those companies – paying attention to longevity and quality of coverage
• Call each company for detailed quotes
• Be straightforward with the companies regarding any preexisting condition(s)
• Make sure quotes are similar in coverage before making comparisons

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Family Health Care Policies in Louisiana (LA)

Family health insurance options include group health plans and individual health insurance. Depending on your situation, one may be better than the other. If you work for a company which offers a medical benefits package, than a group health care plan is the easiest and least expensive option for your family. HMOs and PPOs are the most commonly offered forms of group health care, and depending on your personal situation, one may be better then the other, so make sure you know whish is your best fit before you check that box.

If you are unemployed or self-employed, most likely you will need to purchase n individual health plan from a private insurance provider. These private insurance companies offer a wide range of different plans, but they are able to deny coverage based on one's health status, so you m ay need to do a little research to find a carrier that will provide a plan for your family which suits your needs.

Individual Health Plans in Louisiana (LA)

Individuals can apply for the same forms of insurance as families do; they will basically just be less expensive! If you work for an employer who offers health insurance, that is generally ideal. But if you do not have this option available to you, you will want to look into an individual health insurance policy. These can be accessed by contacting any private insurance agent. We have a list of agents we can set you up with who may be able to assist you in your quest.

Louisiana Health Insurance Carriers (LA)

To give you an idea of the companies you may come across in your search here is a list of the available health insurance carriers in your area. We can get you access to one of these carriers quickly if you are ready to find out more.

• Assurant Health (formerly Fortis)
• Blue Cross and Blue Shield of Louisiana
• Celtic
• Humana
• Security Life

Ask for a health insurance quote today!

Insurance Challenges in Louisiana (LA)

The Louisiana Department of Insurance partners with state and federal agencies and private industry to protect individuals with preexisting conditions from unscrupulous practices. Some insurance providers will issue policies only to later revoke or refuse payment based on preexisting conditions. When shopping for health insurance, be wary of any promises of coverage of preexisting conditions – especially if offered at a lower rate than you would expect to pay. Also, be sure to check out the coverage with the Louisiana Department of Insurance before purchasing your policy.

All health plans in Louisiana must limit exclusion of pre-existing conditions. There are rules about what counts as a pre-existing condition and how long you must wait before a new health plan will begin to pay for care for that condition.

If you have a preexisting condition that has been diagnosed by a physician, you must reveal that information during the application process. If you fail to disclose a preexisting condition, future claims involving the treatment of that condition can be refused payment by your insurer – resulting in medical expenses for you. It is to your own benefit to fully reveal any preexisting conditions prior to purchasing your policy.

To help provide coverage to those with difficulty obtaining it, the state of Louisiana offers insurance policies through the Louisiana Health Plan (LHP). You must qualify for coverage under the LHP and certain restrictions and guidelines apply. Contact the Louisiana Department of Insurance for more information or to apply.

Louisiana (LA) State Health Care Policies

Nobody should have to go uninsured for any reason, especially if they simply cannot afford a health care policy. Louisiana has a number of programs aimed to aid residents in getting coverage. You can apply to see if you qualify for any one of these state health plans; Medicaid, Louisiana Children's Health Insurance Program (LACHIP), Breast and Cervical Cancer treatment Program, or the The Federal Health Coverage Tax Credit (HCTC).

Looking for health insurance in Louisiana? Get a quote!

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