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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