Louisiana Insurance
Louisiana Insurance Quotes
There is a garden variety of Louisiana health insurance policies for consumers to choose from, including 1) short-term health insurance, 2) senior health insurance, 3) family health insurance, 4) small business insurance, 5) group health insurance, 6) dental insurance, 7) cancer insurance, 8) self-employed health insurance, and 9) individual health insurance. Louisiana insurance regulations allow providers to exclude pre-existing conditions for which the applicant was treated in the one-year period preceding the effective date of the policy. Carriers may not exclude pre-existing conditions for a period exceeding 12 months. Louisiana insurance laws contain a guaranteed renewability provision, which grants policyholders the right to renew their policy for a new term. To avoid gaps in coverage, state residents should consider taking out a temporary health insurance policy, which is sold by select Louisiana insurance carriers. A group health insurance policy must be sold to any small business which meets the following criteria: 1) A minimum level of participation by employees and 2) employer's contribution towards employees' premiums. To be considered a 'small business', the enterprise must have between two and fifty employees. The Small Group Rating Law protects small businesses between three and thirty-five employees from substantial rate increases. For both individual and group health insurance policies, illness may not constitute grounds for refusing to renew or for cancelling coverage. Applicants who are not eligible for a private individual health plan because of a pre-existing condition may qualify for coverage under the Louisiana Health Plan which offers state residents a choice between two plans, namely the high risk pool and the HIPAA pool.
Louisiana insurance requirements pertaining to car insurance are that motorists in the state must carry the following minimum liability coverage, often referred to as 10/20/10:
- $10,000 in bodily injury protection per individual up to a maximum of $20,000 per accident;
- $10,000 in property damage protection.
Louisiana insurance quotes are available for wide variety of insurance products such as 1) homeowners insurance, 2) life insurance, 3) renters insurance, 4) wind-only insurance, 5) residential flood insurance, 6) commercial flood insurance, and 7) builders risk insurance.