• Aetna
• Assurant
• Blue Cross and Blue Shield

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• GoldenRule
• Humana Health Benefit Plan of Louisiana

• Supplemental Medigap Insurance
• Medicare Advantage Insurance
• Blue Cross and Blue Shield

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• Humana Health Benefit Plan
• SecureHorizons by UnitedHealthcare
• Universal American
• WellCare

Consumer's Guide to Individual Louisiana Health Insurance

Louisiana Department of Insurance: Consumer's Guide to Individual Health Insurance

What You Need To Know About Health Insurance

Today, there are more types of health insurance, and more choices, than ever before. The information presented here will help you choose a plan hat is right for you. You may be buying health insurance for the first time, or you may already have health insurance but want to consider changing plans. Married or single, children or no children, this information will help you find out how to choose a health insurance plan that best meets your health care needs and your wallet. Definitions of the health insurance terms used are included in the section called "Understanding Health Insurance Terms."

Why Do You Need Health Insurance?

Rising health care costs are a growing concern to everyone. Who will pay your bills if you have a serious accident or a major illness? You buy health insurance for the same reason you buy other kinds of insurance, to protect yourself financially. With health insurance, you protect yourself and your family against unaffordable medical care. You cannot predict what your medical care will cost. In a good year, your costs may be low. But if you become ill, your bills could be very high. If you have insurance, many of your medical costs are covered by the insurance company, not by you.