Medical Insurance in Louisiana: An Overview

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Medical Insurance in Louisiana

Introduction: The health insurance situation in Louisiana (LA) is really worrisome while compared to other states of America. According to a survey conducted by Center for Disease Control, between the years of 2001 and 2003, almost 19.4% of the total LA residents were uninsured for Louisiana health insurance for each year.

We have talked about some important regulations for Louisiana health insurance, in the following article. A comprehensive list of top LA medical insurance companies along with a brief discussion on LA state alternative health insurance programs are also included in this article. The Louisiana residents can completely depend on this article to get informed about the present health insurance condition of their state.

Some Regulations for Louisiana (LA) Health Insurance

The state government of Louisiana has introduced some rules and regulations that the Louisiana (LA) health insurance companies must abide by. These guidelines let the state monitor the state's overall health insurance situation as well as regulate the activities of LA health insurers. The regulations are discussed below:

• LA health insurance companies can implement a waiting period for a pre-existing medical condition.
• According to Louisiana state laws, a pre-existing medical condition may be defined as an illness for which an individual has already been diagnosed or otherwise treated within 1 year, before commencement of new LA health insurance policy.
• Louisiana health insurance companies can not implement a waiting period that is longer than 1 year, for any pre-existing medical condition.
• Continual coverage is also possible for a pre-existing medical condition; provided there was no premium failure even for a single day. Existing LA health insurance policies can be credited to new LA health insurance policies for pre-existing medical condition waiting period.
• All Louisiana health insurance companies should have a guaranteed provision for renewal. This guaranteed renewability provision allows individuals to renew their existing health insurance plans, if and only if they have provided no false information and disbursed all the premiums, on time.
• LA health insurance companies can refuse or reject new LA health insurance application on the basis of health status and age of the applicant.
• Louisiana health insurance companies can not refuse an individual who seeks for LA health insurance through an employer. Moreover, individuals, insured by employer LA health insurance plans, can enjoy unlimited medical coverage.
• By the state law, an individual has right to renew his or her existing health insurance plan.
• Rate of premiums depends on the age and medical condition of an individual.
• LA residents, who have a breakage in insurance coverage, can opt for any of the temporary Louisiana health insurance plans.

Louisiana (LA) Health Insurance Alternative Options

There are some health insurance alternative programs offered by the state of Louisiana. Louisiana residents, who are unable to afford LA health insurance or otherwise considered as “uninsurable”, can opt for any of the LA state health insurance alternative programs; accordingly to their eligibility status. The programs are discussed below:

• Louisiana Medicaid: This state program is available to the LA residents who qualify for all the eligibility criteria including income criteria.
• Senior Health Insurance Information Program: This state program lets the senior LA residents get informed about LA health insurance. They can also have access to LA health insurance programs through Senior Health Insurance Information Program.
• Louisiana Health Plan: This is a high-risk pool that helps “uninsurable” LA residents to have access to group Louisiana health insurance plans. Pre-existing medical condition period may be applicable.
• Louisiana Children's Health Insurance Program: This is the state health insurance program for the children and teens; provided they should come from families that are otherwise “uninsurable” or unable to afford LA health insurance.

Louisiana (LA) Health Insurance Companies

A comprehensive list of top LA health insurance companies are provided, below. The list is created using the data provided by LA Department of Insurance.

• Coventry Health Care of LA, Inc
• HMO of LA, Inc.
• Aetna Health Inc.
• HealthPlan Services Inc.
• Fiserv Health Plan Administrators, Inc.
• United Healthcare of LA Inc.
• Humana Health Benefit Plan of LA Inc.
• Healthcare Ins. Group
• Health Plus of LA
• Health Plans Inc.
• Tenet Choices
• HealthFirst TPA, Inc.
• WellCare of LA, Inc.
• Vantage Health Plan Inc.

Louisiana Department of Insurance

For further enquiry on LA health insurance, you can contact at the office of Louisiana Department of Insurance. The address is provided below:

Louisiana Department of Insurance

Post Office Box 94214
Baton Rouge, LA 70804

For general information, you can call at 1-800-259-5300 or 1-800-259-5301.

Direct Phone numbers are as follows: (225) 342-5900 or (225) 342-0895

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