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Facts To Consider When Shopping for Louisiana Health Insurance

Facts To Consider

Always remember to read your application, particularly if the insurance representative completed the application for you, to assure that all information is correct. The company can decline the policy if pertinent information was not disclosed on the application.
All health plans have a provision titled "Exclusions and Limitations." Such provisions should be reviewed very carefully before you accept the policy. If a benefit or service is limited or excluded, you will not be covered, even though that treatment may be considered medically necessary.
Before an insurance company will accept you as a potential policyholder, the company may want to place an exclusionary rider on your policy for a specified condition. If the policy is issued with an exclusionary rider, you will be responsible for the cost of any medical care received for the treatment of the excluded condition. That will include -- but not be limited to -- doctor visits, prescription drugs and emergency care services.
Individual policies generally pay benefits for your spouse and on your dependent children up to the age specified in the policy. However, your insurance company cannot terminate coverage for dependent children who lack other means of support due to mental or physical handicaps.
Because some individual policies contain both In-Network and Out-of-Network benefits at different percentages (for example, In-Network 90% vs. Out-of-Network 60%), the insurer is not required to pay the Out-of-Network provider at a higher percentage. Use caution when making the decision to utilize an Out-of-Network provider for medical care and treatment. You may find yourself paying more than you anticipated.

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