Louisiana Health Insurance
Searching for Louisiana health insurance is a serious concern for residents of this Gulf Coast state. A combination of poverty, crime and a high rate of uninsured individuals contribute to the state’s consistent rank of 49th out of the 50 states in overall health, according to surveys by the United Health Foundation. Residents of Louisiana should take the time to carefully research their health insurance options and assure that they have adequate coverage for themselves and their families.
How To Get Health Insurance in Louisiana
In Louisiana, like many states, employers have the option of offering group health insurance benefits to their employees. Under a group plan, employees cannot be denied coverage or excused from a plan due to a specific medical condition. Private or individual health plans have the option of legally denying coverage for those who have pre-existing conditions.
If you do not have access to a group plan for Louisiana health insurance, you’ll need to find an alternative source for your health insurance. If you can afford standard insurance, you can purchase individual Louisiana health insurance that guarantees specific coverage, under the Patient Bill of Rights. All Louisiana health insurance policies must include:
- Access to any and all information regarding coverage, benefits and decisions made by a policyholder’s insurance company
- Adequate coverage for emergency care that is appropriate, without prior consent from the insurance company
- The right to appeal decisions of the insurer, when done through the proper channels
For more information on the insurance standards that are regulated by the Department of Insurance or for tools that will assist in your search for Louisiana health insurance, you can visit the Department of Insurance website.
Lousiana Health Insurance For Low Income Families
Consumers who fall into low-income brackets may be able to benefit from the many Louisiana health insurance programs that are in place for those who cannot afford insurance. The Louisiana Department of Health and Hospitals has a number of programs that can assist those who have financial difficulties in finding adequate health care. State funded programs include:
- KidMed
§ Screening and preventative medicine program, used in conjunction with Medicaid services for children - LaCHIP
§ Sliding scale insurance program for children whose families are not eligible for Medicaid, but do not have access to health insurance - LaHIPP
§ Assists in the payment of insurance premiums for those who can receive insurance through other means, but qualify for Medicaid - LaMOMS
§ Provides pregnancy care to those in Louisiana without insurance that do not qualify for Medicaid - Louisiana Medicaid
§ Basic, overall healthcare for those whose income does not exceed certain limits
Get a Louisiana Health Insurance Quote
If you’re looking for Louisiana health insurance you can simply use CheckInsuranceRates.org to compare all available health insurance policies in the state to see what the rates are. You’ll be able to see in real time which policies offer the coverage you need for the best price. There’s no obligation and it’s 100% free. Simply click the link at the top of this page to get started.