Louisiana Private Health Insurance
My Private Health Insurance operates in the state of Louisiana. When you’re shopping for health insurance for your family or yourself, we make the process simple.
By connecting you with a professional agent ready to show you the right Louisiana health insurance options, you’ll find a plan to fit your coverage goals and budget much faster.
Private Health Insurance
After losing your employer’s health insurance coverage in Louisiana, you need private health insurance to remain covered. It’s not a good idea to roll the dice and hope a medical emergency doesn’t happen. Using private health insurance in Louisiana to remain covered just makes sense.
Who Should Consider Private Health Insurance in Louisiana?
If you’ve recently found out you’re no longer covered by your employer’s health insurance, private health insurance allows you to stay covered. You can also use private health insurance in Louisiana if:
- You only work part-time
- You work for yourself
- You’re currently unemployed
- You retired recently
- You cannot get health insurance from your employer
Individual Health Insurance
When a big life event happens, it might be time to get an individual health insurance plan. With the right health coverage, you’ll be able to keep the cost down and provide health protection for you and your family.
Choosing the right individual health insurance plan means you won’t need to pay out-of-pocket for any medical care. If you end up in the hospital, the costs will be more predictable and much lower compared to paying cash.
How do I get Individual Health Insurance in Louisiana?
Getting an individual health insurance plan in Louisiana is very easy. Our three-step process puts you in connection with the right agent to show you the best options for your needs and your budget.
After a big life event, you might qualify to use the Health Insurance Marketplace. If you don’t qualify, don’t worry. Many of the same health coverage options are available outside the special enrollment period.
Family Health Insurance
When your employer doesn’t offer health coverage, family health insurance in Louisiana is a good option. You’ll be able to choose coverage fitting your specific needs and your budget.
With the right high-quality coverage for your family, you won’t have to worry. Medical emergencies happen at the worst times and they are very hard to predict, especially with children. With the right family health insurance, you’ll be equipped to better manage any medical needs.
Short-Term Health Insurance
The right health coverage in Louisiana makes a big difference when an emergency comes up. Sometimes, short-term health insurance offers the best options. Some of the situations where short-term coverage makes sense include:
- Employment gaps
- Unemployed and seeking a new job
- After the enrollment period has passed
- When you no longer qualify for your parent’s coverage
- During an emergency situation
With the right short-term health insurance in Louisiana, you’ll have the necessary coverage for any medical emergency.
What do Short Term Medical Plans Cover?
A variety of short-term health care plans are available with different levels of coverage. Some of the types of coverage you may gain include:
- Doctor visits
- Preventative care services
- Emergency care services
- Urgent care visits
- Prescription medications
Many plans will provide better pricing options for in-network providers, as well. Take the time to ensure you get the right short-term health insurance plan for your budget and coverage needs.
Catastrophic Health Insurance
If you don’t have any type of health coverage, a major medical event could send you into financial ruin. Medical debt is one of the leading causes of bankruptcy. You can avoid this type of situation with catastrophic health insurance in Louisiana.
Protecting yourself from a major medical emergency doesn’t need to be expensive. Catastrophic health insurance in Louisiana provides an affordable solution to keep you protected if something major does happen. Even if you’re young and super healthy, this type of coverage is a good idea.
Who Qualifies for a Catastrophic Plan in Louisiana?
The easiest way to qualify for catastrophic health insurance in Louisiana is to be healthy and under the age of 30. However, you can still qualify if you’re older with a hardship/affordability exemption according to the ACA guidelines.
Small Business Health Insurance
Small business owners need a way to offer employees health benefits. Many workers prefer jobs with health insurance as a part of the benefits package. With small business health insurance, even businesses with 10 or fewer employees can afford to provide health benefits.
While standard group insurance might not be affordable enough, small business health insurance offers a good option. If you need a great tool for retaining employees and recruiting new workers, offering health coverage will help even the playing field.
Does My Business Qualify for Small Business Health Insurance?
If your business has 50 or fewer employees and you’re willing to pay a portion of the health insurance premium, you qualify for small business health insurance. You can apply any time of the year and you won’t need to worry about enrollment restrictions.
Large Group Health Insurance
Larger businesses in Louisiana can use large group health insurance to offer better benefits packages for employees. If you want to stay competitive, great health insurance is one of the best things you can offer your workers.
As a bigger business, you’ll gain access to many different health insurance plans. Choosing the right option from the large group health insurance plans will help boost employee productivity and show you care.
What is Considered a Large Group Health Plan in Louisiana?
As a business, you need to employ 51 or more people to qualify for the large group health insurance plans in Louisiana. Your final rates and plans will depend on the size of your company. All plans include optional coverage choices, such as:
- Hospital indemnity
- Critical illness
- Travel Health Insurance
When it’s time to travel for pleasure, school, or work, travel health insurance is vital. Without the right coverage, you could end up in a financial hole if you need medical services. Your regular coverage will likely not help in another country.
Travel health insurance will provide the necessary coverage when you suffer a medical emergency. Make sure you get the right plan to fit your needs and the areas you will be traveling to.
Supplemental Health Insurance
You might have very good major medical insurance from your employer, but it doesn’t offer any supplemental health insurance options. When you need to customize your coverage, you can add the following options:
- Critical Illness
These options provide another level of coverage and give you everything you need. If your current health coverage doesn’t provide everything you need, it’s time to consider supplemental health insurance in Louisiana.
Children’s Health Insurance
Sometimes, you have great health coverage from your employer, but it only covers you. It doesn’t provide coverage for your children, which puts you at risk of a health emergency costing you quite a bit of money.
You don’t need to go into debt or drain your savings account due to a child getting injured or ill. With children’s health insurance in Louisiana, you can make sure your kids are covered.
Private schools might require a specific level of coverage. It’s also possible you could need to cover your kids for school trips and school sports participation.
Make sure you get the right level of coverage for your kids, even if it’s not required. Children’s health insurance can help you keep costs under control if you’re children end up in the hospital.
Affordable Health Insurance
When you need affordable health insurance in Louisiana, we’re here to help. You don’t have to scour the internet trying to find the perfect coverage for your budget.
We provide the right affordable health insurance with an agent ready to help you find the right plan. Your agent will offer a variety of healthcare options for you to choose from. You can quickly get the affordable health insurance coverage you need for your family with us.
Medi-Share Health Program
For those seeking something other than traditional health insurance in Louisiana, there is an alternative option. The Medi-Share health program offers a cost-sharing program with plenty of plan options. You can choose the amount you want to pay each month and share medical expenses with other Medi-Share members.
Offering an alternative to regular health insurance, Medi-Share is pretty easy to use. If someone on our plan needs healthcare services, a request will be made to cover the bill. After the request has been funded and approved, your healthcare provider will receive payment.
Medi-Share offers extensive health coverage without the need for insurance. If your lifestyle doesn’t fit with regular health insurance or you simply don’t qualify, Medi-Share might provide the right alternative for quality health coverage.
It’s important to make sure you and your family are protected. With our health insurance options in Louisiana, you’ll be able to protect your health and your financial well-being. Whether you’re self-employed or your employer doesn’t offer good coverage, we are here to help you find the right option for you.
Call us today or request your free health insurance quote online.
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Make your health a priority by preparing for the unexpected. Contact one of our agents today to walk through your best options.
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