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or you can most certainly give us a call:

Monday-Friday 9am-9pm

Saturday 9am-6pm

18543 Belle Grove Road Prairieville, La. 70769

 

6369 Catina Street New Orleans, LA 70124 

 

225-612-4589

“Serving Louisiana Residents Exclusively Since 1986”

"Representing over 20+ insurance companies to better serve you"

Healthcare costs are rising year after year, and nobody should be

in a financial catastrophe for someone who is uninsured. But it also

makes sense to shop around for the best deal—to find the lowest

...and have been doing successfully for our clients

"We're dedicated to helping you find the absolute best

and most affordable health & life insurance coverage

we do all the shopping and research...then present it to

you, based upon your needs...allowing you to now make

an informed decision."

Today's Major Medical health Insurance plans come with

many varying coverage options. You must have an

understanding of how each plan works in order to make an

informed decision as to which type of coverage best suits

your needs, a PPO, HMO, HealthSavings Account or a

Traditional Indemnity plan... whether it be coverage for

individuals, families or employer groups.

Generally, there are HMO's, PPO's, HSA's, and POS plans. The

HMO (Health Maintenance Organization) and PPO (Preferred

Provider Organization) plans are both forms of managed care plans

that allow you to visit the physicians within the plan's network. An

HSA (Healthcare Savings Account) allows individuals to contribute

money to their Healthcare Savings Account on a pre-tax basis. The

money can then be used to pay future co-payments and deductibles.

POS (Point of Service) plans are a hybrid version of HMO's and

PPO's which give you flexibility in your decisions about what

physicians you would like to visit. Different health insurance

companies offer additional options or variations of the plans

described above. Be sure to consult your insurance agent about

The deductible is the portion of a medical expense that a plan

member must pay before your medical insurance plan will begin to

cover any medical expenses. If your plan deductible is $1,000 then

you will pay for the first $1,000 of your medical expenses before

your plan will begin paying for covered medical expenses. The

amount of your chosen deductible can have an effect on your health

A co-payment is a set dollar amount or percentage that the plan

member will pay for each doctor visit or service. A common co-

payment percentage is 80/20. This means that the insurance

company will pay 80% of covered medical expenses, while you will

only pay 20%. Co-payment percentages can also effect the insurance

premium the plan member is charged.

savings accounts available to everyone with a high deductible ($1100 -

"HSAs combined with high deductible health insurance plans provide hope

for individuals and groups seeking a way to control the seemingly upward

Many quality HSA plans provide preventative & wellness care to the

members, with the deductible/co-insurance waived for services such as:

There are many important facts you should know & questions you should

·

Does the policy have an annual deductible & co-insurance, or is it

·

What is your financial responsibility after the deductible and at

Co-insurance examples are 80/20%, 50/50% and 100%. You and the

insurance company share the medical expenses until the stop-loss is

Each company has several stop-loss options you could be responsible for,

such as 20% or 50% of either $2500, $5000 or $10,000.

loss…meaning you will be responsible for 20% or 50% of all medical

expenses…with no end in sight! They might be cheaper, but do you want a

· Does the plan have a Doctor Office co-payment and is there a limit on the

fixed dollar amount for services such as daily hospital semi-private room rate,

daily intensive care, surgeons' fees, miscellaneous services & supplies, etc.

These plans are usually inexpensive…but very limited in coverage and can

leave you with a large remaining hospital bill after they have paid.

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Are their limits on the amount of coverage the plan will offer under

certain medical conditions?

 

Why is one Health Insurance Plan more expensive than another?

In any competitive market similar products are closely priced. Then

why, you might ask, is there such a difference in premiums?

"Health insurance is available with many different plan designs

in order to provide numerous choices for individuals and

families. These choices can greatly affect the monthly

premiums you pay to have coverage."

A plan with unlimited co-payments for doctor office visits &

prescription drugs will have the highest monthly premium.

 

Some insurance plans have limited the number of doctor co-pay visits

per year ( 2 - 4 ) in order to further reduce premiums. Whne your

doctor visits exceed the number covered with the co-payments, you

will still have coverage, but will have to pay the reduced network

amount and apply it to your deductible/co-insurance.

Prescription coverage can also have a deductible that has to be met

before the smaller co-payments can be used.

Insurance coverage with no co-payments for either doctor visits &

prescriptions will even further reduce premiums. These plans require

that medical expenses be applied to the deductible and/or co-

insurance.

Additionally, single deductible plans are available that are HSA

qualified. HSA qualified plans provide extensive inpatient and

outpatient coverage plus great tax advantages.

 

Plans with the absolute lowest premium will offer in-hospital only

coverage with very limited outpatient benefits.

As you can clearly see, deciding on the correct coverage for your

needs can be very confusing.

"Our experience, honesty, hard work & integrity will help to find the

best insurance plans to meet your needs"

Please review the different forms of medical coverage available.

We are always glad to assist you in finding the right plan to meet

your needs, whether it be individual / family coverage or group

coverage for businesses with 2 employees or more.

Give us a call for a personalized, no-obligation spreadsheet listing plan benefits and premiums from many top insurance companies doing business in

Louisiana. Let us help you find insurance coverage that best fits all your requirements within a reasonable premium range.

(225) 612-4589 ~ 504-208-9358