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Louisiana Health Insurance
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Population: 4,287,768
(Source: U.S. Census Bureau)
Uninsured: 784,000
(Source: U.S. Census Bureau)
Health Benefits Direct is a licensed insurance broker for Louisiana health insurance policies. Click here to view our registration with the Louisiana Office of Insurance (We're listed as HBDC, select "Producer Agency" from the drop down menu). |
Louisiana has the 16th highest number of uninsured in the U.S.
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Health Insurance News in Louisiana
Buying Individual Insurance Policies in Louisiana
State regulation of individual health insurance differs greatly from state to state. For you, this means certain conditions or providers covered in one state may not be covered in another.
Each state has its own health insurance mandates. Those mandates require that insurance companies and health plans cover, or offer coverage for, certain conditions, benefits, providers and patient populations.
Here is a list of mandated and non-mandated conditions, covered persons and providers in Louisiana:
(Source: Health Insurance Mandates in the States 2008¹, Council for Affordable Health Insurance. Last updated Jan 2008.)
| Mandated (Covered) Conditions |
Non-Mandated Conditions |
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- Alcoholism
- Ambulatory Surgery
- Ambulance Services
- Bone Marrow Transplants
- Breast Reconstruction
- Cancer Medications
- Cervical cancer/HPV Screening
- Cleft Palate
- Clinical Trials
- Colorectal Cancer Screening
- Dental Anesthesia
- Diabetic Supplies
- Drug Abuse Treatment
- Emergency Services
- Hearing Aid
- Mammogram
- Mastectomy
- Mastectomy Stay
- Maternity Stay
- Mental Health General
- Mental Health Parity
- PKU/Formula
- Prostate Cancer Screening
- Rehabilitation Services
- Well-Child Care
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- Alzheimer's
- Anti-Psychotic Drugs
- Autism
- Birthing Centers/Midwives
- Blood Lead Poisoning
- Blood Products
- Bone Mass Measurements
- Chemotherapy
- Chlamydia
- Congenital Bleeding Disorders
- Contraceptives
- Diabetes Self Management
- Early Intervention Services
- Habilitative Services
- Hair Prostheses
- Home Health Care
- Hospice Care
- HPV Vaccine
- In Vitro Fertilization
- Kidney Disease
- Long Term Care
- Lyme Disease
- Maternity
- Minimum Hysterectomy Stay
- Minimum Testicular Cancer Stays
- Morbid Obesity Treatment
- Neurodevelopment Therapy
- Newborn Hearing Screening
- Newborn Sickle-Cell Testing
- Off-Label Drug Use
- Orthotics/Prosthetics
- Ostomy Related Supplies
- Other Infertility Services
- Ovarian Cancer Screening
- Psychotic Drugs
- Port-wine Stain Elimination
- Prescription Drugs
- Second Surgical Opinion
- Smoking Cessation
- TMJ Disorders
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| Mandated Covered Persons |
Non-Mandated Covered Persons |
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- Adopted Children
- Continuation/Dependents
- Continuation/Employees
- Conversion to Non-Group
- Dependent Students
- Handicapped Dependents
- Newborns
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- Grandchildren
- Non-Custodial Children
- Domestic Partners
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| Mandated (Included) Providers |
Non-Mandated Providers |
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- Chiropractors
- Dentists
- First Nurse Assistant
- Occupational Therapists
- Optometrists
- Physical Therapists
- Podiatrists
- Psychologists
- Public or Other Facilities
- Social Workers
- Speech or Hearing Therapists
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- Acupuncturists
- Chiropodist
- Denturists
- Dieticians
- Naturopaths
- Nurse Midwives
- Nurse Practitioners
- Lay Midwives
- Licensed Health Professional
- Marriage Therapists
- Massage Therapists
- Nurse Anesthetists
- Nurses
- Opticians
- Oral Surgeons
- Osteopaths
- Pain Management Specialist
- Pastoral Counselor
- Pharmacists
- Physician Assistants
- Professional Counselors
- Psychiatric Nurse
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Although health insurance coverage for a particular condition or provider may not be mandated in your state, insurance carriers may still provide coverage for the condition or provider. Please keep in mind that major medical health insurance plans are subject to health underwriting and that mandates do not necessarily guarantee coverage. If you're not sure whether you could receive coverage, one call to Health Benefits Direct can help you determine if you're eligible to buy an individual health insurance policy in Louisiana.
Health Benefits Direct provides free health insurance quotes on affordable health insurance plans for Louisiana residents. We work with highly rated insurance carriers to deliver quality health insurance plans to families and individuals across Louisiana.
¹Authors: Victoria Craig Bunce & JP Wieske
Please note that information contained on this page can change at any time. Consequently, while we seek to present as up-to-date information as possible, Health Benefits Direct in no way warrants the accuracy of the information.
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