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Louisiana Health Insurance

Health insurance is now usually available in two main categories: individual and group.
Individual insurance serves mainly those who are self-employed, or are working in a company that does not offer a health plan, or who own a family and want individual insurance for family members. If you go for an individual plan, you have to pay an annual premium, and also a deductible for each insured dependent, up to a base amount. However, if you purchase a group policy, you need to pay a yearly premium, co-payments payable at each medical service, and a deductible payable before insurance starts making payment for your valid medical bills.

Although Louisiana allows insurers to reject your application for individual health coverage due to a health problem, Louisiana Health Plan will assist you in such a scenario. An insurance company in Louisiana can limit coverage on a pre-existing condition in several ways, such as an elimination rider, an exclusion period not exceeding one year, review of your health records for the prior 12 months before election of the policy, if you make a claim in the first year of coverage. While pregnancy can be considered a pre-existing condition, genetic information cannot. If you had continuous coverage for a pre-existing condition with no break for more than 63 days, you are eligible for credit toward the exclusion period. Your policy costs may go up during renewal, but it cannot be cancelled for your illness. If your insurer pulls out of the individual health insurance market, your insurance can be cancelled at that time.

In Louisiana, you cannot be refused group health insurance if you have a health problem, and nor can you be charged more if you qualify. HMOs may need an affiliation period before you will be covered with health insurance and the same applies in the case of a new job which will offer group coverage. If you have a pre-existing condition, the new insurer can review your medical records for not more than six months. The maximum time for exclusion of a pre-existing condition is one year and if you have had continuous coverage for over 63 days without any break, you may obtain credit for the exclusion period.

Small businesses looking for small group health insurance cannot be refused, or their insurance cancelled because of health problems in your group. For employers employing three to 35 employees, increases of premiums are limited.
In Louisiana, self-employed persons are not allowed to buy group health coverage. You can contact the Louisiana Department of Insurance for rules governing membership of associations for obtaining group health insurance.

While Louisiana Health Plan helps those who fail to get individual insurance, Medicaid is available for people with low incomes. Louisiana Children’s Health Insurance Program provides help for children who are not eligible for Medicaid and are 19 years old or younger.

Selecting the right health insurance quotes is never easy. You should do some homework before you make your choice. Better seek the help of professional health insurance agents and brokers who are experts in this field.

Health insurance providers in Louisiana include Assurant Health (formerly Fortis),
Blue Cross and Blue Shield of Louisiana, Celtic, Humana and Security Life.



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