Louisiana On Its Way To Health Insurance Coverage
In 2009, Louisiana was ranked 47th among the 50 states of the US in a ranking of healthiest states by United Health Foundation
. This does not sound good but there is some good news on the same front for Louisiana. The state showed improvement in preventive hospitalization. At the same time, 83% of children between the ages of 19-35 months were reported immunized and gave the highest ranking to the state in the category of immunization coverage. On another front, the prevalence of smoking has also fallen by 23% over the past five years. All these statistics show a marked improvement in the general health status of the state.
In wake or rising costs of healthcare services, Louisianans should avail proper health insurance coverage provided by various government-sponsored and privately-sold plans. Individuals, families, groups, and businesses in Louisiana need basic to comprehensive health coverage that could provide financial security whenever the need arises.
To look at some more statistics, the prevalence of obesity in Louisiana has increased dramatically since 1990. The percentage increase is whopping 135%. Now obesity happens to be a nightmare for consumers. It is clear that apart from healthy living style, Louisiana residents need proper health insurance plans to provide them coverage.
Searching for private insurance in Louisiana is easy and lots of registered insurers provide health insurance policies. Companies like Aetna, American National, Assurant, Blue Cross and Blue Shield, Celtic, Companion Life, Coventry, Golden Rule, Great American, Humana One, IAC, Patriot Health, and Solera Dental are some of the names that you can count on.
Tips when shopping for individual insurance in Louisiana
Like any other state, buying health insurance in Louisiana demand a lot of consideration at consumers end. Here are some tips that consumer should adopt before they make the purchase:
Health insurance policies in Louisiana differ widely in coverage and cost. It is always better to contact different insurance companies about insurance quotes. The main thing that a consumer should take notice of is that the health insurance plan provides coverage against major medical costs.
It is very important to read and understand the health insurance policy. A lot of consumers end up receiving unpleasant surprises when they think they can rely on their health insurance policy, which actually is not adequate to their needs.
It is important to check what is the starting date of the policy to begin paying for medical services of the consumer, and what it covers or excludes from coverage.
All insurers in Louisiana are required to give consumers at least 10 days to look over for the policy and return it if consumers find it unsuitable. The companies are also required to refund the premium. Consumers should make sure this clause is offered to them.
A lot of consumers end up buying health insurance policies for a single disease. However, specialty insurance is not required by every consumer.
by: Shaun Mike
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