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Louisiana Health Insurance

A recent survey by the Louisiana Department of Health and Hospitals reported that over 576,000 residents were without Louisiana health insurance. Over 75 percent of residents surveyed reported that they did not have Louisiana health insurance because it was too expensive.

InsureMe is here to help. Our goal is to provide you with information on Louisiana health insurance to help you choose the right policy. We will also help you to find that policy - simply enter your information to the right and receive up to five free quotes for Louisiana health insurance!

Finding affordable Louisiana health insurance has never been easier!



Louisiana Health Insurance: Answering Your Questions


What can Louisiana health insurance do for me?

The State of Louisiana has taken great provisions to ensure that their residents have access to getting and keeping Louisiana health insurance.

  • If you receive coverage from a group plan, Louisiana's nondiscrimination policy prohibits you from being denied or receiving limited coverage because of your health status. 
  • If you become ill, guaranteed renewability ensures that your Louisiana health insurance will not be cancelled.
  • If you are a small business owner purchasing group coverage, the guaranteed issue ensures that you cannot be turned down for Louisiana health insurance on account of your group's age, gender or health status.

If you lose your group coverage and meet other qualifications, you may be able to purchase individual Louisiana health insurance through the Louisiana Health Plan (LHP). You will not face a pre-existing condition period unless you have been previously denied coverage by two or more Louisiana health insurance companies.

What will my Louisiana health insurance policy cover?

Your coverage will depend on what kind of Louisiana health insurance you carry. If you receive coverage through a group plan, your coverage may provide more extensive coverage.

Individual Louisiana health insurance varies in benefits covered so you will want to confirm what types of benefits are mandated by the Louisiana Department of Insurance before purchasing your policy.

What if I cannot afford Louisiana health insurance?

The State of Louisiana has implemented some remarkable programs to help their 576,000 uninsured residents receive coverage:

  • If you make a low or modest income, you may be eligible for free or subsidized health care through Louisiana Medicaid. Louisiana Medicaid offers coverage for pregnant women, families and the elderly and disabled.
  • The Breast and Cervical Cancer Treatment Program provides full health benefits through Louisiana Medicaid for women who are screened through the National Breast and Cervical Cancer Early Detection Program.
  • If your children are currently without Louisiana health insurance, you may receive full health benefits through the Louisiana Children's Health Insurance Plan, or LaCHIP.

What are the benefits to LaCHIP?

LaCHIP offers free health insurance for kids under the age of 19 and is free of enrollment fees, premiums or co-payments.

LaCHIP's mission is to enroll as many uninsured children as possible. They have recently revamped their eligibility requirements to include more children, and they have implemented a seamless application process for parents.

Some LaCHIP benefits include:

  • Physician services
  • Hospitalization
  • Immunizations
  • Prescription drugs
  • Vision and dental care

LaCHIP is also available for grandparents and other non-parent caregivers.

For More Information on Louisiana Health Insurance:

For more information on Louisiana health insurance or any of the abovementioned plans, contact the Louisiana Office of Health Insurance at (800) 259-5301.

Find the Policy You Need Today!

Now that you've armed yourself with knowledge, enter your information to the right and let InsureMe provide you with up to five free quotes on Louisiana health insurance!


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