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Louisiana health insurance
Health insurance is a very important part of our lives. It not only takes care of our health care cost, it also prevents financial instability by providing for catastrophic costs. If you are a resident of Louisiana and are looking for health insurance, you have come to the right place. This page will provide you with all the details you need on health insurance plans from private carriers and government sponsored health insurance programs.
Individual health insurance in Louisiana
Your ability to buy a health insurance plan in Louisiana will depend on the type of coverage you want, your health status and other factors like pre existing conditions etc. Medical underwriting is allowed in the state of Louisiana. This means that a carrier may deny you insurance because of your health status and other factors. If you are found to be having a pre existing condition, the carrier may impose a 12 month exclusionary period on you. The carrier can also look back 12 months into your medical records to determine whether you have a pre existing condition or not.
People who are unable to secure a health plan because of health or other problems may take a look at the high risk pool provided by the state. The state high risk pool in Louisiana is called LHIA.
Group and small business health insurance in Louisiana
As in individual health insurance, medical underwriting is allowed here too. The rate varies between plus and minus 35% of the rate indexed. This rate is determined by factors such as age and health status of the group. The companies may look back 6 months into your medical records and exclude your covers for around 12 months.
Small business plans must also be sold by the companies to businesses having between 2 and 50 employees. There must be a minimum level of participation by members of the group.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 are applicable in the state of Louisiana. This law provides that a company employing more than 20 people is obligated to continue covers for him even after his employment has been terminated. The covers also have to be extended to his family. The covers are continued for a particular period of time.
Louisiana Medicaid plans
Medicaid plans are also offered in the state of Louisiana. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Louisiana also offers the LaChip children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of Louisiana and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.
Easy Quotes from the Top Louisiana Health Insurance Carriers
Our service will help you secure the most suitable Louisiana health insurance quote for yourself. Through our service, you can get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Louisiana Health Insurance
If you have always wanted a fast and easy way of securing insurance, this is it. The only thing you have to do is to fill in a simple form with some basic information. This will be kept confidential and will be used only to provide you with medical insurance quotes. When you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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