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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
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
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
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
Blue Cross and Blue Shield of Louisiana, Celtic, Humana and Security