Health Insurance Carriers in Louisiana (LA)
Louisiana health policies and carriers differ from that of other states. To help you get through the process of choosing your health insurance policy, we have compiled a list of recommended carriers and some relevant information on Louisiana’s health insurance.
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Health Insurance Providers in Louisiana
Assurant Health (Formerly Fortis)
Blue Cross and Blue Shield of Louisiana
Celtic
Clarendon National
Humana
Security Life
Individual Health Insurance in Louisiana
- Providers may deny coverage based on a health problem.
- Providers may limit coverage on a pre-existing condition by attaching an elimination rider, applying an exclusion period of up to 12 months, reviewing medical records for the 12 months prior to coverage if a claim is made in the first 12 months.
- Pregnancy may be classified as a pre-existing condition but not genetic information.
- Creditable coverage may be applied to a pre-existing condition exclusion period with previous coverage maintained with no lapses over 63 days.
- The cost of premiums may be based on health status and increase with renewal.
- Coverage may not be cancelled due to illness.
- If a provider withdraws from the insurance market, coverage will be cancelled.
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Group Health Insurance in Louisiana
- Coverage can not be denied qualified applicants due to health problems, nor can they be charged more.
- Life changes dealing with family or loss of job may create additional enrollment opportunities.
- HMOs and employers may impose an affiliation period before offering coverage.
- If the case of a pre-existing condition, providers may review medical records for six months only.
- The maximum exclusion period for a pre-existing condition is 12 months.
- Continuous coverage with no lapses over 63 days allows for creditable coverage.
Small Business Health Insurance in Louisiana
- Small businesses may not be denied or cancelled due to illness in the group.
- Increases of premiums are limited for employers with up to 35 employees.
Self-Employed Health Insurance in Louisiana
- The self-employed may not purchase group health coverage.
- Regulations governing associations joined for the purpose of gaining group health coverage should be reviewed through the Louisiana Department of Insurance.
Louisiana Department of Insurance
950 N. Fifth Street
Baton Rouge, LA 70802
(225) 342-5900
www.ldi.la.gov
Louisiana Health Care Programs
Louisiana Health Plan, Medicaid, and Louisiana Children’s Health Insurance Program assists low income residents who are eligible.
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