Young adults (18-to-24 years old) remained the least likely of any age group to have health insurance in 2003 - 30.2 percent of this group did not have health insurance.
Louisiana Family Health Insurance (LA)
One thing in life that is certain is the increasing need for affordable and reliable family health insurance. The state of Louisiana has many reliable and affordable plans and types of coverage available to you and your family. Review the health insurance carriers and plans in Louisiana and consider all of the state's applicable regulations and programs before making a decision about what plans best fit the needs of your family.
Family Health Insurance Regulations and Programs in Louisiana (LA):
Louisiana small business owners may purchase group plans, but self-employed individuals may not. If you are a self-employed resident of Louisiana, you must get coverage for your family through an individual plan.
Louisiana allows insurance companies to deny individuals coverage if they choose to, but offers an alternative high risk insurance pool to those that have been refused. The Louisiana Health Plan offers an annual benefit limit of $100,000, a lifetime cap of $500,000, and an exclusion period of 6-months for pre-existing conditions.
Louisiana imposes a limit on the amount of time a health insurance carrier can exclude coverage for a condition that was already present prior to the start of the effective date of new coverage. For group plans, this period is 12 months, with companies allowed to review the past 6 months of medical history.
Genetic information is not considered pre-existing in Louisiana, but pregnancy can be considered one if Health Insurance Portability and Affordability Act (HIPAA) guidelines are not met.
Family-Health-Insurance reviews insurance services to provide information on products and options, but is not an insurer or a licensed agency. Coverage and policies described on this site may not be available in all states.
