Louisiana Health Insurance


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Louisiana Health Insurance

Louisiana has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your purchase.

This guide:

  • Describes Louisiana health insurance policy regulations.

  • Lists rules Louisiana health insurance companies must follow.

Health insurance policies are regulated by each state's own health insurance laws. Louisiana health insurance companies and policyholders alike must abide by established insurance laws.

Get a free health insurance quote

You can pick what coverage you want and set your limits and deductibles, before applying for more personalized rate info. This is a service that will provide you with competing quotes from local agents who can also offer help with setting coverage limits, deciding on a plan, etc.

Louisiana health insurance policy provisions

Some of the most important Louisiana health insurance laws are the ones that influence the health insurance policy specifically.

For one, Louisiana health insurance laws address a health insurance policy's pre-existing condition exclusion period. Medical conditions are considered to be pre-existing if you were treated for or diagnosed with a condition in the 12 months prior to a health insurance policy's effective date.

Louisiana health insurance laws state that pre-existing conditions can be excluded for a specific amount of time, but never longer than 12 months. This means during that exclusion period the health insurance company does not have to pay for any medical treatment relating to the pre-existing condition.

When switching plans, your old Louisiana health insurance coverage can be used to credit a pre-existing exclusion period required by your new plan as long as you have had continuous health insurance coverage.

Also, every Louisiana health insurance policy has a guaranteed renewability provision, which At the end of your health insurance policy's term, you always have the option of renewing it for another term.

Regulating Louisiana health insurance companies

In Louisiana, health insurance companies cannot cancel your health insurance coverage or refuse you renewal on the grounds of illness. This does not mean, however, that any Louisiana health insurance policy you apply for must be approved. Any Louisiana health insurance company can deny your original application: it's the request for renewal that they cannot refuse.

In other words, your health status determines the cost and availability of any Louisiana health insurance. This means your premiums can significantly increase with age or declining health. However, Louisiana health insurance laws do limit these costs to protect the consumer.

Temporary Louisiana health insurance

There are times when you may have a break in your Louisiana health insurance. During these time its advisable to purchase a temporary Louisiana health insurance policy.

Although these policy's may cost more and offer less coverage, it provides adequate coverage for short durations when you need it most. Temporary Louisiana health insurance is available from select Louisiana health insurance companies. Call your State Department of Insurance for a free listing.

More LA health insurance help

If you want more help getting the a good health insurance policy, read our guide to health insurance.

Also see the guide to Louisiana small business health insurance.

To find out more about LA health insurance laws and regulations, visit theofficial website of the Louisiana Department of Insurance.