Shopping for individual health insurance in Louisiana doesn’t have to be a complicated and long process when you come to A Acadian Assurance, Inc. Our informative site and helpful team of experts can work directly with you to shop for and compare individual coverage options available in Louisiana. The Affordable Care Act’s Individual Mandate rules that most Americans must have a health insurance policy in place by 2014. Failure to do so may result in a tax penalty.
With several different insurance carriers and plan types out there, you have many options. When choosing a health plan, you want to consider the price as well as the level of benefits. Some of the most common types of individual health insurance plans are:
HMO (Health Maintenance Organization) – An affordable plan option, HMOs create networks of thousands of medical professionals, hospitals and other providers which means you get convenient access to comprehensive medical care when you need it.
PPO (Preferred Provider Organization)– The PPO provides affordable care but with the added benefit that you can have coverage with any health care provider. Instead of staying within a network, you can see any doctor or specialist you want and you plan will cover it. This plan is great if you value flexibility.
HSA (Health Savings Account) – HSAs are opened in conjunction with high-deductible coverage, and is comparable to a tax-free savings account, which you can use to pay for routine medical expenses.
FFS (Fee for Service) – A more traditional form of health insurance, the FFS plan is very clear. You get the care you need, then you are reimbursed for a percentage of the cost. The percentage depends on your carrier.
To learn more about individual health insurance options in Louisiana, contact A Acadian Assurance today at 1- 800-349-2723 or get your free Louisiana individual health insurance quote online!