Options for health insurance in Baton Rouge are plentiful for individuals, groups, and for whole families. HealthQuoteInfo can even introduce you to more than 90 of those health insurance packages. You just use the search bar by entering your zip code, and the results will display the health insurance plans that are available for your location. These plans come from carriers such as Coventry One, Humana, and United Health One, and you can inspect the details of each plan to find the one that best suits your circumstances.
However, for one reason or another, you may not be able to procure the right health insurance plan from private carriers. Fortunately, the state of Louisiana offers several public health insurance options for those who qualify.
State residents who only receive low income may not be able to afford expensive private health insurance, but they may turn to Medicaid. This particular program offers the same type of coverage that you may enjoy with private plans but for a more affordable cost. The extent of the coverage can even include dental services, rehab services, and occupational therapy. This program may also help senior citizens, the disabled, and children.
Small businesses may also make use of the state’s plan to offer small groups plan for companies with at least 2 employees who work for 30 hours or more per week. Many employed people in the state have access to affordable health insurance through their work, but that ends when they quit or lose their jobs.
However, those who are in between jobs in Louisiana may apply for the COBRA program. This allows job seekers to extend their health insurance plan from their previous employment for up to 18 months, so they have sufficient time to find a new job and a new health insurance plan through their new employers.
Some residents in the state may be considered too much of an insurance risk by private carriers because they have severe pre-existing medical conditions. Their needs are still met by the state’s High-Risk Pool, which is available for those who do not qualify for parts A and B of Medicare, don’t qualify for Medicaid, or for any type of group insurance. If you’re applying for the high-risk pool, you may be required to provide two written denials of coverage from private insurers, and the denial must be due to your pre-existing medical condition.
If you do qualify for the high-risk pool, the four available plans come with deductibles that range from $1000 to $5000, while the monthly premiums can be as high as $1,460 to as low as $91. In general, a lower deductible comes with a higher premium.
Uninsured or underinsured women who don’t have a high annual income and who are at least 40 years old may receive cervical and breast detection services. These services are part of the state’s Breast and Cervical Health program, or LBCHP. The early detection services also offer a pelvic exam for women in their 40s, while women within the 50 to 64 years old age bracket can receive a mammogram, a clinical breast exam, and a Pap test.