Health Insurance

Nowadays, nearly everyone knows someone who either has no health insurance coverage, has lost their insurance coverage, or they themselves are living with these exact same circumstances. Louisiana health insurance can no longer be thought of as a luxury- it is an essential! As the costs of medical procedures, treatments, and prescriptions continue to increase at astounding rates, people need a reliable source from which they can receive straight-forward, affordable Louisiana health insurance quotes. Thousands of people rely on insuranceUSA.com for just this reason. Health insurance is simply a written insurance policy which covers medical expenses, whether routine or emergency. Many states offer additional insurance coverage benefits, including long-term care and disability.

In this article, you will find all the information needed regarding the regulations of Louisiana health insurance, both for individual policy holders or those desiring a family or small group plan. You will also find fundamental facts concerning COBRA, which is an acronym for the Consolidated Omnibus Budget Reconciliation Act of 1986. This plan generally provides workers and their families who have lost their insurance coverage (due to an event such as job loss, reduction of work hours, etc.) the right to continue their group health insurance benefits, although normally for a limited amount of time and frequently at the person’s own expense.

You will also find useful statistical information which can assist you in comparing the health of fellow Louisianans with the health of people living in various other states.

This article will give you all the information you need about Louisiana health insurance to make an informed and intelligent decision when choosing the plan which is most suited to your needs and circumstances. When you have finalized your plan, we at insuranceUSA.com will be ready to provide you with the health insurance quotes needed to make your personal choice.

Louisiana Individual and Family Health Insurance
Louisiana does not regulate the types of individual or family health insurance policies that are written or regulated by insurance companies. Louisiana health insurance companies are allowed to design their own policies and they may choose whatever options they wish to offer- including benefits, co-insurance limits, deductibles. Some benefits, such as mammography, are mandated by the state. For individual health plans, all insurance companies in Louisiana have the right to deny coverage to any person based on their current or past health history. If you are applying for individual health coverage and you have a pre-existing medical condition, the Louisiana health insurance company has different actions they can take concerning your application. Firstly, they may categorically deny you all medical insurance coverage. Secondly, they may offer you coverage but refuse to cover any medical expenses related to the pre-existing condition. Thirdly, they may offer you full coverage, including coverage for the pre-existing condition. The insurance company makes this determination usually based on the severity of the pre-existing condition and also the estimated costs anticipated to maintain and treat the condition. These pre-existing conditions can be excluded for up to 24 months in a new policy.
Louisiana health insurance companies are not required to give credit for prior insurance coverage.

Louisiana Group Health Insurance
For Louisiana health insurance for a group or company, the state of Louisiana requires that a company have between 2 and 50 employees. Employers, however, are not required to provide Louisiana health insurance to all employees. For instance, part-time employees many not qualify for coverage, or those who live outside of the area covered by the insurance. Eligible employees, regardless of their current state of health, are guaranteed medical benefits under the group insurance plan. Some Louisiana health insurance plans may exclude coverage for pre-existing conditions. These are usually conditions that have been treated within the previous six months. If an employee is not eligible for coverage for a pre-existing condition, there are different types of insurance that can provide benefits to cover conditions that are excluded from the group policy. Under Louisiana health insurance regulations, insurance companies may not impose waiting periods before coverage begins. However, employers can decide on waiting periods, if any, before the group insurance plan goes into effect for employees.

Louisiana COBRA Insurance
COBRA insurance coverage, as outlined in Louisiana health insurance rules, applies to companies that have 20 or more employees on staff. To make sure that Louisiana health insurance is available to those who are between jobs, COBRA coverage can be applied for 18 months to those who meet eligibility requirements. There are certain exceptions to that time frame. Eligible dependents can be covered by COBRA for 36 months, and disabled people can keep coverage for 29 months. COBRA is an extension of your previous Louisiana health insurance plan, and if your former employer decides to discontinue coverage for employees, your coverage will also end. Once COBRA benefits are ended, further Louisiana health insurance can be obtained through the Louisiana Comprehensive Health Insurance Association (ACHIA).

Louisiana Health Information and Statistics
If you are in the market for quality Louisiana health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Louisiana ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Louisiana are few poor mental health days, strong per capita public health funding, and a low prevalence of binge drinking. Louisiana also faces many challenges, such as a high rate of preventable hospitalizations, a high percentage of children in poverty, and a high rate of uninsured population.

According to a 2008 study, Louisiana had some significant changes over the past year. On a positive note, per capita public health funding increased by 37%. Also, access to primary care increased by 5%. In a downturn, the high school graduation rate decreased by 8%. Since 1990, the prevalence of obesity has risen by 150%.

Following is a variety of statistical data related to living in Louisiana, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Louisiana health insurance.

  • Prevalence of Smoking-41st
  • Prevalence of Obesity-47th
  • Violent Crime-47th
  • Children in Poverty-47th
  • Air Pollution-35th
  • Cancer Deaths-49th
  • Lack of Health Insurance-47th
  • Prevalence of Binge Drinking-13th
  • Infant Mortality-49th
  • Infectious Disease-46th
  • Premature Death-49th

Overall Rank: 50th
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