Louisiana Health Insurance
Learn about Louisiana Health Insurance
According to the 2010 America’s Health Rankings® by the United Health Foundation, Louisiana placed 49th as the healthiest place to reside in amongst the United States. This number is quite alarming yet not really surprising when looking at the facts as to why this number is so low. With such a worrying figure, there should be no question that everyone in Louisiana should own proper health insurance.
Louisiana has an evident presence of obesity within the population, also ranking 49th on the list amongst the other states. This also correlates with the high number of deaths due to cardiovascular disease, with Louisiana ranked 47th in the category. With such problematic medical issues, learning about what Louisiana health insurance companies offer is beneficial to you and your loved ones.
Health Insurance Plans in Louisiana
Fee-for-Service: the insurance provider will pay a portion of your medical bills while you pay:
- A monthly fee (known as a premium)
- An annual fee (known as a deductible), before the insurance payments begin
- An annual fee (known as a deductible), before the insurance payments begin
Depending on the type of health policy you are carrying, some services are limited or not covered at all. So make sure to review your preventative health care plan to see what types of coverage are offered.
There are 2 types of Fee-for Service plans including:
- Basic Medical: this type pays toward the costs of a hospital room, care, some services and supplies such as x-rays and prescribed medicine. In most health plans, basic coverage will also pay the majority of a surgery performed in or out of the hospital, and some doctor’s visits.
- Major Medical: this type of insurance pays for the medical services that the basic coverage does not include, such as long and high-cost illnesses or injuries
Things to keep in mind:
- Make sure to ask how much the monthly premium is, calculate what the total annual cost will be, and if there is a difference in individual and family rates
- Understand what your Louisiana health plans provide. Does it include prescription drugs, out-of-hospital care, or home care? What are the limits and minimum requirements needed?
- What are the amounts for the deductible, coinsurance, and premium fees?
- Is there a lifetime maximum cap on the amount the insurer will pay?
Louisiana Health Insurance Laws and Regulations
Louisiana health insurance law mandates that all health plans must cover the following services:
- Screening for breast, cervical, prostate, and colorectal cancer
- Medical care for clinical cancer trials
- Care for pregnant women
- Hearing aids for children
- Vaccinations for children
Public Health Insurance Programs in Louisiana
- Medicaid
- LaCHIP (Louisiana State Children’s Health Insurance Program)
- Louisiana Breast and Cervical Cancer Program
- Louisiana Medicare
We hope that this information will help you with the either the purchasing, switching or just providing answers to your curiosity about Louisiana health insurance. You can use the tool below to find out health insurance quotes in just a matter of minutes. Not only will doing this provide you valuable information, but you could find out a better health policy, at a better rate for you and your family. Good luck.
Sources:
Health Insurance: Louisiana
Louisiana Health Plan
Online Health Insurance Coverage: Louisiana
