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Louisiana Health Insurance
Healthcare premiums can take up a large portion of an individual or family budget, particularly if the premiums are for an individual healthcare policy. As premiums continue to increase, it becomes more difficult for many to continue carrying health insurance. However, the fear of dealing with a catastrophic illness financially, let alone medically, causes many people to continue pay for their individual healthcare policies. People with individual policies need to know what their rights are and if Louisiana can assist them with their insurance costs.
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Basic Facts About LA Health Insurance
Individual policy regulations in Louisiana include the following details:
- Insurance companies can refuse to award a policy based on health.
- Insurance policies are required to have coverage on services including mammograms, prostate cancer screening, and diabetes management.
- Insurance companies can choose to exclude a pre-existing condition for twelve months and can also permanently exclude a condition using an elimination rider.
- Pregnancy may be dealt with as a pre-existing condition.
- Insurance companies cannot cancel your policy if you get sick. However, insurance companies can cancel coverage by discontinuing the sales of individual policies.
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The Louisiana Health Plan is offered to people who have been denied health insurance coverage or if your healthcare provider has discontinued its individual plan. LHP can exclude pre-existing conditions in certain circumstances. There are several choices in plans with different deductibles. The plan covers major medical.
Louisiana Children Health Insurance Plan offers children under 19 years old from families with a qualified low income status coverage which includes doctors, dental care, prescription drugs, and hospitalization.
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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.
