If you are a resident of Louisiana, you may choose from different types of health plans available that will meet your health care coverage needs and your budget.
Healthcare is really expensive especially if you are suffering from chronic diseases. Each year, medication and hospitalization costs rise at a rapid rate making healthcare almost a privilege especially to average family income earners. But with health plans, you can cut down these expenses and make every medical care affordable for everyone. Healthcare plans which are subsidized by government are cheaper and completely tax free. Learn the different types of Louisiana health plans available today.
Louisiana Department of Insurance
The Louisiana Department of Insurance is in charge of managing all the healthcare plans offered all over the state of Louisiana. They are also responsible for legislating and executing policies covered by these health plans. If you are not knowledgeable on actions you need to take to apply for health insurance or you do not know a trusted insurance agent, you can seek the help of Louisiana Department of Insurance for their referrals. Complaints on fraud and incomplete insurance claims can also be reported to this agency. The Louisiana Department of Insurance is located at:
One of the most convenient ways to get individual health insurance is through your company. Most US companies are tied up with government-subsidized healthcare programs which provide its citizens with affordable health insurance rates. Every month, you will be charged a deductible which will be added to your insurance fund apart from your employer’s share. There is a minimum period required to fund your health plan insurance before you can avail of its benefits. Depending on the amount of your deductible, you can spend the fund from six months to two years. Government-subsidized health insurance plans are regulated by the US Department of Labor Employee Benefits Security Administration. The EBSA protects the welfare of employees in issues such as claiming funds and irregularities. The EBSA office is located at:
Dallas Regional Office
525 South Griffin Street, Room 900
Dallas, TX 75202-5025
Roger Hilburn – Director
Louisiana Health Plan (LHP)
LHP, on the other hand, is offered to individuals who want to buy insurance even if they are not professionally employed but are still able to continually make monthly payments for their insurance enrollments. The LHP can be contacted through:
The most widely utilized type of healthcare plan is Medicaid. Millions of Americans are using this because of larger scope as well as cheaper rates. However, you need to be eligible and meet its requirements such as employment, age, and health condition to be able to take advantage of its benefits.
As a general rule, you can only utilize Louisiana healthcare plans if you have at least 18 months continued creditable coverage whether it is through your company or by private application. You can also check with the Department of Insurance if you are HIPPA-eligible because only then will you have the right to buy a state-regulated insurance.