Discounted or Free Health Insurance through BCBS, Vantage, Aetna, Cigna, Humana, & UHC
Obamacare is government sponsored health insurance based on your adjusted gross income (qualifications at the bottom of this page). The government may pay for your health insurance with a subsidy based on your income (lower - middle class). For Louisiana, in 2019, Obamacare open enrollment is November and December, but we can help you qualify for free any time of year.
Christian Health Insurance
Private Health Coverage for People Who Are Healthy, Christian, Self-Employed, or Middle to High Income
Christian Health Sharing is affordable, but you must be thorough while considering providers. There are many providers, and each one has different strengths and weaknesses. Our staff has read the fine print within each Christian Health Sharing provider’s plan. Based on your needs, we can help find the correct fit. Health Sharing works the way health insurance was initially intended to work: each policyholder pays a monthly premium; premiums go into a shared account; policyholders have medical needs, the Company pays for medical bills from the shared account. The “Christian” designation allows providers to operate under a charitable tax designation. This means they pay no corporate taxes. Compared to private companies like Blue Cross Blue Shield (who pay large corporate taxes), its a difference in overhead which is passed on to consumers that can lower monthly premiums by 40% per month.
Short Term Health Insurance
Private Coverage for People Who Don’t Qualify for Medicaid, Obamacare, or COBRA. Also, Good for Students & Self-Employed.
Pick your coverage, deductible, max out of pocket, & benefits. Short Term Health Insurance is usually in blocks of 3 months or 12 months at a time. It is renewable and affordable. The only risk is that extremely catastrophic health conditions could prevent renewal.
Widely Accepted, Comprehensive Coverage
Major Medical is what most people consider health insurance. It was originally associated as being tax compliant, meaning it avoided all Obamacare tax penalty(s), however tax penalties no longer apply in 2019. It covers everyday needs like doctor visits, but also covers comprehensive needs like hospitalization or emergency room visits. Since Obamacare passed in 2010, many Major Medical providers have left Louisiana (only Vantage and Blue Cross remain). Major Medical is not a limited benefit plan. Many online options are limited benefit plans despite being sold as major medical, so its vastly important to deal with a licensed Louisiana agent who will make sure your doctors are included.
Catastrophic Health Insurance
Low Cost, Basic Coverage.
1. Hospitalization (major injury, critical illness)
2. Preventative and wellness (doctor appointments)
Small Business Insurance (“Group Health”)
Get a free Group Health Insurance quote (compare the newest rates and plans in 2019 to your current group rate and plan). Simply fill out a census form. We can email a census, by request. Contact us at the bottom of the page.
Group Health Insurance is offered through your employer as an employee benefit. Employees should understand their employer contribution(s) for themselves and for their dependents (spouse, children). Employers do not always contribute 100% towards employee(s) and/or dependent(s) coverage. Group Health Insurance is more expensive by nature. Sometimes, even with a current employer contribution, we can offer private options that are less expensive.