Louisiana Health Insurance

Looking for Louisiana health insurance quotes? This is the best place to get instant quotes from providers in Louisiana. We will also provide you with information on how to save on your health coverage. Start your search by entering you zip code above and find out more about Louisiana health insurance plans in your area.

Facts and Figures

Place in State
Health Report Card 49^th
Insured 3,595,208
Uninsured 790,400
Insurance
Carriers 10
Number of
Primary Care Physicians 6140
Number of
Hospitals 128

Breakdown of Insureds

Employer-sponsored health insurance 58%
Private plans 6%
Medicaid 20%
Medicare 16%

Insurance Carriers

Aetna Life Ins. Co.
American Family Life Assur Co. of Col
Coventry Health Care of LA Inc.
HMO LA Inc.
Humana Health Benefit Plan of LA Inc
Peoples Health Inc.
Sterling Life Ins. Co.
Unitedhealthcare Ins. Co.
Vantage Health Plan Inc.
John Alden Health Insurance

State Health Report Card

Smoking decreased from 24.1 percent to 22.1 percent among adults in the past ten years. There are 755,000 adult smokers in Louisiana. In the past ten years, the number of obese individuals increased from 784,000 to nearly 1.1 million. Violent crime went down from 620 cases to 549 cases per 100,000 population in the past year. In the past year, children living in poverty increased from 19.5 percent to 30.5 percent among those under 18 years old. There 352,000 adults living with diabetes in Louisiana, an increase from 6.6 percent to 10.3 percent over the last ten years.

Louisiana Health Insurance Laws and Regulations

Louisiana health insurance plans are required to be sold with a guaranteed renewability clause. With this provision, subscribers can renew their existing coverage as much as they like as long as the premiums are paid on time and the contract isn’t breached. Insurance companies are not allowed to cancel a policy without the customer’s consent. Louisiana health insurance can exclude coverage for a pre-existing condition for up to 12 months. During this period, insurers will not cover costs related to that condition. This exclusion period will not re-set even when you transfer to a different policy as long as you maintain coverage for at least twelve months. Applicants may be denied coverage based on their health condition and other risk factors. However, existing policies cannot be cancelled based on such factors. Instead, these factors may be considered to calculate premium rates. Small businesses (with 2 to 50 employees) have the option to purchase group coverage being offered in other parts of the state. A minimum number of participants or employer contributions might be required to maintain these plans. Louisiana health insurance quotes for group coverage can vary according to the risk factors of its members. Plans cannot be cancelled based on the health condition of group’s members. Self-employed individuals are not qualified to purchase group plans unless their business have at least one other employee. However, if a self-employed individual purchases an indivdual health plan, a portion of the premiums may be partially tax-deductible.

Heath Care Reform

With the new health care law, children under the age of 26 can choose to stay under their parent’s Louisiana health insurance as long as they are not offered an employer-based health insurance. This provision enabled 2.5 million young adults to have insurance nationwide. In Louisiana, more than 45,000 young adults have insurance coverage through this provision as of June 2011.

The new health care law allowed more than 55,700 Medicare policyholders in Louisiana to receive a $250 rebate check to help with prescription drug costs when they fell into the Medicare gap in 2010. In 2011, more than 52,900 Medicare plan holders were given a 50% discount on brand-name prescription drugs covered by their plans when they hit the donut hole. An average of $571 per person or a total of $30,247,275 was saved in Louisiana.

Previously uninsured individuals without health coverage because of a pre-existing condition can now apply for a Pre-Existing Condition Insurance Plan. This plan is available to U.S. citizens or legal residents with a pre-existing condition and have been uninsured for at least 6 months. In 2011, 377 individuals in Louisiana have benefited from this new law.

When looking at Louisiana health insurance quotes, applicants are assured that at least 80 percent of the price will go directly to health care services and other related improvements. A rebate or premium discount shall be provided if the minimum is not met. The 1,069,000 private policyholders in Louisiana will get greater value for their premium payments because of this 80/20 rule.

Preventive care services like immunizations, colonoscopies, mammograms, or annual wellness doctor visits must be included in all Louisiana health insurance with no deductible or co-pays. In 2011, more than 487,000 Medicare subscribers and 719,000 individuals with private policies received such services in Louisiana.

Under the new law, insurance companies are no longer allowed to impose an annual dollar limit – a cap on the yearly spending for your benefits, or a lifetime dollar limit – a lifetime cap for spending for your covered benefits. This law frees chronically ill individuals like cancer patients from worrying about getting further treatment because of such limitations. In 2011, 1,411,000 Louisiana residents have benefited from this law.

If insurance companies want to raise their premium rates by ten percent or more, they are required by federal law to publicly announce and justify their actions. To guard against such unreasonable increases, the state of Louisiana received a total of $1 million.

All fifty states receive increases in funding for community health centers under the Affordable Care Act. This will help construct new health centers, provide medical services to more patients, improve preventive and primary health care services, and fund infrastructure projects. In Louisiana, 121 community health centers received a total of $31.3 million to fund these improvements.

In 2010, the Affordable Care Act created the Prevention and Public Health Fund. This new fund was created for wellness promotion, disease prevention, and protection against public health emergencies. Louisiana has already received a total of $13.1 million to support its policies, programs, and communities to help its residents lead healthier lives.

State Government Insurance Programs Offered

Lousiana Health Plan(LHP)

800-736-0947 225-926-6245 (Baton Rouge)

Louisiana Health Plan (LHP) offers health insurance to individuals who were denied coverage due to a pre-existing condition. There are two plans available to residents of the state: High Risk Pool and HIPAA Pool. The High Risk Pool will not cover pre-existing conditions for a period of 6 months. The HIPAA Pool does not have a waiting period for the enrollee; however, the plan has a 12-month waiting period for spouse and dependents or for children born or adopted within 63 days. Benefits covered include physician services, hospital services, diagnostic tests, labs, x-rays prescriptions, treatments, therapies, and more. Eligibility: High Risk Pool 1. Must have a 6-month residency in Louisiana. 2. Must have been denied coverage by two health insurance companies in one year because of a pre-existing condition. 3. Must not be insured. 4. Must not eligible for any private or public health insurance. 5. Must not be in a public institution. HIPAA Pool 1. Must be a Louisiana resident. 2. Must be HIPAA-eligible. 3. Must not be in a public institution. 4. Those who are eligible for Trade Adjustment Assistance (TAA) or pensions from the Pension Benefit Guarantee Corporation (PBGC) are also qualified.

Medicaid

888-342-6207

The Louisiana Medicaid Program is funded by the federal government and provides a comprehensive insurance package to qualified individuals. Benefits covered by the program include physician services; prescription drugs; hospital services; laboratory and x-rays; nursing homes; nurses; midwife services; family planning; immunizations; EPSDT for under 21; therapies; rehabilitation; and many more. Eligibility: 1. Must be U.S. citizens or qualified residents living in Louisiana. 2. Must be in need of health insurance and have income within the limit. 3. Must also be either pregnant, blind, have a disability or living with a family member with disability, caretaker of children under 19 years old, or be at least 65 years old.

LaCHIP

877-252-2447

LaCHIP is a health insurance program which aims to provide coverage for uninsured children in Louisiana up to age 19 years. Benefits of the program include doctor visits; primary, preventive, and emergency care; hospitalization, immunizations, home health care, prescription medications, and many more. Eligibility: 1. Must be a U.S. citizen or qualified resident living in Louisiana. 2. Must be under 19 years old. 3. Must not have health insurance coverage. 4. Must not exceed income limit of 200% FPL.

Breast and Cervical Cancer Prevention (BCCP)

888-342-6207, 888-599-1073

Louisiana Breast and Cervical Cancer Program addresses women’s need to deal with cancer through early detection. Benefits covered include diagnostic tests and examinations such as mammograms, breast exams, colonoscopy, biopsy, pelvic exam, and Pap test. Eligibility: 1. Must be U.S. citizens or qualified residents in Louisiana. 2. Must be between 18 and 64 years old. 3. Must be uninsured or have an existing program that does not cover the same services. 4. Must meet income requirements.

LaMOMS

888-342-6207, TTD: 800-220-5404

LaMOMS offers pregnancy-related services to qualified low-income women living in Louisiana. Services covered under this plan include maternity, delivery, and care up to 60 days after delivery. It also includes physician visits, lab work, prescription medicines, and hospital care. Eligibility: 1. Must be pregnant women with income not exceeding 200% of the FPL.

Take Charge

888-342-6207

Take Charge offers family planning services to qualified women in Louisiana. The program provides 4 annual office visits for family planning services like contraception. Eligibility: 1. Must be women residing in Louisiana. 2. Must be between ages 19 and 44. 3. Must not exceed income of 200% FPL. 4. Must be uninsured or have insurance that does not cover family planning services.

Medicare

800-633-4227

This health care system is administered by the federal government and provides health insurance coverage for Americans aged 65 and above or those younger than 65 but have a disability or end-stage renal disease. Coverage has four parts: Part A: provides inpatient care in hospitals and rehabilitative centers. Part B: provides doctor and some preventive services and outpatient care. Part C: provides Medicare benefits through Medicare Advantage. Part D: provides prescription drug coverage. Eligibility: 1. Must be a U.S. citizen or permanent U.S. resident. 2. Must be 65 years or older, with you or your spouse having worked in a Medicare-covered employment for at least ten years; or have a qualified disability or end-stage renal disease, regardless of age.

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