It's better to have it and not need it than to need it and not have it. From Health Insurance to Short Term Medical to Christian Health Sharing to Basic Coverage to Premium Coverage, we accommodate every Health Insurance option in Louisiana.
Preventative services, basic medical needs, catastrophic care events, doctor visits, co-pays, and anything you need; we compare everything on and off the marketplace to make sure you find the best health coverage for the best price (for you, your family, and/or your employees). We make sure policy's are ACA exempt (no Obamacare tax penalty). Whether individual, family, small business owner, and/or employer group, achieve an optimal level of wellness and improve coordination of care while providing cost-effective, non-duplicative services.
What if you could have a zero dollar out of pocket (no deductible) for a small amount extra each month? Eliminate out of pocket medical costs and unexpected out-of-pocket costs associated with accident, critical illness and sickness-hospitalization. This small policy addition pays cash benefits right to you, thus helping you face those unpredictable moments in life with confidence.
Living Medical Benefits
Long Term Care
Most people don't know there are life insurance policies that compliment your Health Insurance. Certain types of term life insurance can be an effective way to have living medical benefits (and a death benefit) via a customized life insurance policy. It will protect your family and cover expenses like short-term and long-term debts, medical bills, and college tuition in the event of an unexpected death. We offer death benefit protection in periods of 10, 15, 20 or 30 years plus it includes four living benefit riders, offering additional flexibility and coverage for a number of unexpected events. These riders are available at no additional premium and offer protection for:
Accident & Disability Insurance
If you are injured by an accident and cannot work, what happens to your income? What if you die prematurely? Your paycheck may stop, but the mortgage, car, and credit card payments do not. In the event of rare but extremely catastrophic events, know that you can cover anything. We hope you never have to use it. That's why if you never need it, you get your money back when the policy matures. Ask about a return of premium rider. Very inexpensive, our accidental insurance is a multi-faceted product that can serve a variety of roles, many of which can fit into your Health Insurance.
Medical Gap Insurance
Some Individual Health Insurance and Group Health Insurance plans have cost sharing "gaps" in the form of deductibles, copay's, coinsurance, and non-covered treatments. Additionally, there are often non-medical costs involved with an accident or serious illness. Maybe you can only afford a minimum coverage, high deductible, "cheapest thing I can get" plan. Add a 'medigap' policy for a very small amount and get coverage for catastrophic events. Benefits selected under this plan are paid regardless of other coverage. This is an advantage over many other supplemental Health Insurance plans, which typically only pay the amounts that aren’t covered by individual Health Insurance or group Health Insurance plans. Our Medigap plan is guaranteed renewable for life, where other plans may terminate at a specific age or can be cancelled. There is no reduction in benefits at any age. GAP coverage is also a perfect complement to many plans (high deductible, max coverage, and medicare for example).