Louisiana Health Insurance (LA)

Choose from the list below to learn more about specific health insurance providers in Louisiana. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.

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Health Insurance Providers in Louisiana (LA)

Assurant Health (formerly Fortis)
Blue Cross and Blue Shield of Louisiana
Celtic
Security Life

Individual Health Insurance in Louisiana (LA)

For individual coverage, Louisiana allows insurance companies to turn down your application for a health problem, but Louisiana Health Plan will help if you have been refused. There are several ways in Louisiana that an insurance company can limit coverage on a pre-existing condition: an elimination rider; an exclusion period of 12 months maximum; reviewing your medical records for the prior 12 months before election of the policy, if you make a claim in the first 12 months of coverage. Pregnancy can be considered a pre-existing condition, although genetic information cannot. As with group coverage, if you had continuous coverage for a pre-existing condition with no lapses over 63 days, credit can be given toward the exclusion period. The cost of the individual policy is based on your health status and may increase with renewal. However, it cannot be cancelled if you become sick. If your insurance company withdraws from the individual health insurance market, your insurance can be cancelled at that time.

Group Health Insurance in Louisiana (LA)

Group health insurance in Louisiana cannot be denied if you have a health problem, nor can you be charged more, provided you qualify. Due to life changes dealing with children, marriage, death, or loss of job, you may be eligible for additional enrollment opportunities. HMOs may require an affiliation period before you will be covered with health insurance and the same is true of a new job position which will offer group coverage. If you have a pre-existing condition, the new insurance can look back over your medical records for six months only. The maximum time for exclusion of a pre-existing condition is 12 months. If you have had continuous coverage with no lapses over 63 days on the condition, you may receive credit for the exclusion period.

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Small Business Health Insurance in Louisiana (LA)

Small businesses applying for small group health insurance cannot be turned down, nor can the insurance be cancelled due to health problems in your group. For employers with three to 35 employees, increases of premiums are limited.

Self-Employed Health Insurance in Louisiana (LA)

If you are self-employed, you are not allowed to buy group health coverage. As with most states, rules governing associations joined for the purpose of getting group health insurance should be reviewed through the state’s Department of Insurance.

Louisiana Department of Insurance
950 N. Fifth Street
Baton Rouge, LA 70802
(225) 342-5900
www.ldi.la.gov

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Louisiana Programs (LA)

Louisiana Health Plan helps those residents who have trouble getting individual insurance. Medicaid is available in Louisiana for low income individuals and Louisiana Children’s Health Insurance Program provides assistance for children who are not eligible for Medicaid and are 19 years old or younger. There are other programs in Louisiana for financial support as well.

Health Insurance in Louisiana Cities (LA)

Learn more about health insurance (including medical facility details) in Baton Rouge and New Orleans.

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