LOUISIANA HEALTH INSURANCE
Louisiana Health Insurance Premium Payment (LaHIPP) is a part of Louisiana Medicaid that may pay some or all of the health insurance premiums for an employee and his/her family if the employee has insurance available through his/her job and someone in the family receives health coverage through Medicaid. The family members getting Medicaid will also be able to have health insurance.LaHIPP does a review of what the insurance costs and what it covers, then decides if it is more cost effective for Louisiana Medicaid to pay the health insurance premiums for the person who is working and the family member who receives Medicaid. Cost-effective means that it costs less for Louisiana Medicaid to pay for the health insurance premium than it does to pay for the medical expenses of the person who gets Medicaid.
LOUISIANA MEDICAL INSURANCE STATISTICS
Consider the following statistics about health care coverage in Louisiana:
Total Louisiana Residents – 4,257,027
Louisiana uninsured residents – 19.32%
Total Louisiana HMO enrollment – 321,606
Avg annual employee premium in LA employer-sponsored plan (after employer contrib): $868
Avg LA hospital cost per inpatient day (before insurance) – $1,417
Source data according to the Kaiser Family Foundation.
LOUISIANA HEALTH PLANS
Louisiana Health Plan provides health insurance coverage for those individuals who cannot obtain health insurance coverage elsewhere due to pre-existing medical conditions. Please note that there are two plans available to the residents of Louisiana:
• High Risk Pool
• HIPAA Pool
AN INDIVIDUAL AND FAMILY HEALTH PLAN IN LOUISIANA
A new Louisiana private health insurance plan may be right for you if:
You are self employed
Your employer does not offer a group plan
You are enrolled in a group plan, but it does not cover spouses or dependents
You are enrolled in a health plan, but the premiums are too high
You are enrolled in a health plan, but your benefits needs have changed
Affordable LA Individual & Family Medical Insurance
If both you and your spouse or domestic partner are looking for a new health insurance plan, we recommend that you look up health insurance quotes both together and separately to find the plan that is most affordable for you.
Depending on the health insurance company, Louisiana individual and family health insurance rates for couples can be based on the age of the youngest person on the policy. Some couples with an age difference of several years may find they save money by applying for the same plan rather than individually. Couples that are only a few years apart might be able to reduce their total costs by applying for separate health insurance plans. If you decide to apply for a health insurance plan as a couple, make sure the plan you choose covers the benefits both of you need.
LA Insurance Providers
AARP-branded plans, insured by Aetna
Coventry Health Care of Louisiana, Inc.
BlueCross BlueShield of Louisiana
High Deductible $3000 Plan (HSA Compatible)
Provider: AARP-branded plans, insured by Aetna
Blue Saver HSA 1900
Provider: BlueCross BlueShield of Louisiana
POS Copay 1500
Provider: Coventry Health Care of Louisiana, Inc.
HSA 100 – 2500
Health Insurance Buyers Guide
High Risk Insurance Pools
LOUISIANA STATE HEALTH RESOURCES
Residents can also refer to a number of resources within Louisiana:
LOUISIANA MATERNAL AND CHILD HEALTH SERVICES
Maternal and Child Health (MCH) promotes access to high quality primary and preventive health care services to pregnant women, women of childbearing age, infants, children, and youth in Louisiana.
LOUISIANA BUREAU OF MINORITY HEALTH ACCESS
The Bureau of Minority Health Access serves as an infrastructure for addressing public health issues related to minority populations.