If you're like most people, your health and the health of your loved ones is your utmost priority, but you shouldn't have to lay awake at night racked with doubt that you will have access to quality health care services when you need it most. Whether you've recently lost your employer-based health insurance and extended COBRA coverage, whether you no longer qualify for health insurance through your parents' health plan or through the Children's Health Insurance Plan (CHIP), or whether your individual health insurance policy is up for renewal and you're looking for better rates, finding quality health coverage starts with finding a reliable, affordable, Louisiana health insurance quote. NetQuote can find these quotes for you, but we also offer basic consumer information to help you prepare and manage the stressful and tedious process of shopping for health insurance.
The Status of Health Insurance in Louisiana
Despite low unemployment --compared to the rest of the country, that is --fewer residents receive health insurance through their employers, due to a relatively low rate of companies that offer these benefits. The state does have a decent showing of residents who are able to insurance on the individual market, and the more people who buy insurance on this market, the better the rates get for everybody. Most unsettling, however, is the state's uninsured rate of 19.3%, fifth worst in the country, according to the Census Bureau's Current Population Survey. Undoubtedly, the ranks of the uninsured will plummet as the mandates and subsidies of federal health care reform begin to take effect. To see more comprehensive stats of how health care reform stands to affect health insurance in Louisiana, use this governmental resource.
Likewise, the state of Louisiana offers consumer information about its health insurance industry through its Department of Insurance. This site can be particularly useful if you have a technical question about state laws governing insurer licensing, claims requirements, insurance fraud, and niche health insurance programs. But when it comes to the nitty-gritty of finding premiums, deductibles, coverage, and managed care policies that work for you, you need to contact specific health insurance companies.
Low-Cost, Minimal Louisiana Health Insurance
According to America's Health Rankings, Louisiana was the fourth least healthy state in the country in 2009, and this was an improvement over recent years. But more than this single number, it's telling that the state ranked 47th for infectious disease, 49th for the cancer rate, and 49th for premature deaths and infant mortality rate. Needless to say, even if you're healthy right now, Louisiana health insurance is not a luxury. You probably already know the risk you take by going without health insurance, but you're strapped for cash and also need to put food on the table, a roof over your head, and gas in the tank, things which many Louisianans are struggling with every day.
Yes, a comprehensive health plan can get pricey and, for some, prohibitively expensive. But low-cost, high deductible health insurance can still help you receive quality medical care should the worst happen, and this type of insurance is often cheaper than people realize --more closely resembling your car insurance bill rather than your mortgage bill. If you do come down with a serious medical condition that requires ongoing medical care with, for example, a ten-thousand dollar deductible insurance policy, you're still going to be in a tough spot. But while your personal finances and credit may be destroyed either way, having some type of health insurance protection may be the difference between life and death.
Finding an Affordable, Reliable Louisiana Health Insurance Quote
Finding a Louisiana health insurance quote is not difficult, but what you really need is an efficient, reliable system that will generate multiple, competing quotes from different insurance companies. This is where netQuote can help. Simply take a minute to submit a request for a Louisiana health insurance quote, and we'll go to work for you, finding the best companies and rates for your health insurance needs. You can reliably comparison-shop different quotes and health plans in just a fraction of the time as it would take to contact these companies individually. Just as important, you'll have more time to talk to health insurance agents and carefully consider the exact insurance policy that's right for you and your family. Plus, you'll be able to make these considerations and a final buying decision from the comfort of your own home, allowing you to side-step the high-pressure sales tactics that so many consumers resent.