Louisiana Health Insurance

Let’s face it: Louisianans love to cook and they love to eat. Hungry natives enjoy fine Southern cooking in five-star restaurants where top chefs prepare mouth watering Creole, Cajun, French, Spanish, and Vietnamese dishes. Not surprisingly, some common health issues Louisianans face include obesity, diabetes, and heart disease. The facts and figures we’ve gathered below will help you select a health insurance plan that suits a culture rich in heritage, sensations, and calories.

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Stats in Your State

We've gathered some health-related state statistics to help Louisianans compare health insurance plans and understand the options for health care coverage. The charts below provide a comparison of Louisiana's single and family health insurance premiums with the cost of premiums in other nearby states, as well as the national average, Louisiana's CHIP and Medicaid enrollment numbers, and the number of Louisianans who are uninsured.

Chip Medicaid

Medicaid.gov reports that in 2009, 636,440 Louisiana children were enrolled in Medicaid and that in 2010, that number increased to 662,861. The same source also reports that in 2009, 170,082 Louisiana children were enrolled in Louisiana's Children Health Insurance Program (CHIP). In 2010, that number dropped to 157,012.

Individual Health Insurance Premiums

The Kaiser Family Foundation reports that the average single premium per employee for employer-based health insurance in Louisiana in 2011 was $1,217. This dollar amount does not include employer contributions and is above the national average as well as premium amounts paid in several surrounding Southern states, including Mississippi, Tennessee, and Kentucky.

Family Health Insurance Premiums

The Kaiser Family Foundation reports that the average family premium per employee for employer-based health insurance in Louisiana in 2011 was $4,416. This dollar amount does not include employer contributions and is significantly higher than the national average of $3,962, as well as the premium amounts paid for family coverage by employees in Arkansas, Alabama, and Kentucky.

SAHIE Health Insurance Uninsured

The Small Area Health Insurance Estimates (SAHIE) program of the U.S. Census Bureau gathers and releases model-based estimates of individuals in each U.S. state for specific demographics and income groups with and without health insurance. SAHIE's most recent figures show the number of Louisianans without health insurance in 2010 numbered 793,782, significantly lower than the 871,231 residents who were uninsured back in 2007. The Affordable Care Act has since facilitated health coverage for many Louisianans and may help decrease the number of uninsured over the next decade.

Rules in Your State

The Patient Protection and Affordable Care Act (PPACA) will impact health care coverage, including existing mandate laws (or "mandated health insurance benefits"), in all 50 U.S. states. The Louisiana Department of Insurance provides information about current and upcoming changes to health care coverage as a result of the PPACA implementation.

The Health Insurance Portability and Accountability Act of 1996 is legislation that continues to improve the overall business practices of health care and health insurance providers.

The HIPAA Quality Management Division, a division of the Louisiana Department of Insurance’s Office of Health, advocates for consumers who file complaints about insurance companies. They will investigate the complaint and enforce the state’s insurance laws. The department can provide consumer information, but cannot provide legal advice or act as legal representation.

Louisiana Rules: Alcohol & Your Health Insurance

If you carry health insurance, be aware that drinking in excess can have unexpected repercussions on your coverage.

Losses Due to Intoxication:

The Uniform Accident and Sickness Policy Provision Law (UPPL) states that insurers “shall not be liable for any loss sustained or contracted in consequence of the insured’s being intoxicated or under the influence of any narcotic unless administered on the advice of a physician.” In the state of Louisiana, this law permits insurers to deny benefits for any insured person who has sustained an injury due to intoxication.

Health Insurance Parity for Alcohol-Related Treatment:

The Federal government and many U.S. states have passed legislation requiring that co-pays for mental health treatment, including alcohol-related treatment, be subject to “parity;” meaning they be as affordable as co-pay costs for other types of services, including medical and surgical care. Louisiana is one of many U.S. states that require insurers to offer health insurance parity for alcohol addiction treatment.

Representatives & Resources in Your State

The Office of Health Insurance advocates for Louisiana's consumers and ensures that commercial and government operated health benefit plans are in compliance with state and federal rules and regulations.

Louisiana Department of Insurance
Office of Health Insurance
P.O. Box 94214
Baton Rouge, LA 70804
Main phone: (225) 219-4770
Toll Free: (800) 259-5301
Fax: (225) 342-5711

The Senior Health Insurance Information Program (SHIIP) is a division of the Office of Health Insurance and offers specialized services to Louisiana’s senior citizens and Medicare beneficiaries.
Toll Free: (800) 259-5301

The Quality Management Consumer Affairs Unit is a division of the Office of Health Insurance and provides direct assistance and protection to Louisiana consumers and health care providers.
Phone: (225) 219-9433