Guaranteed Issue Health Insurance

Trouble Qualifying for Insurance? Try Guaranteed Issue Health Insurance

The Louisiana Health Plan offers several options for Louisiana citizens who cannot obtain health insurance coverage because of pre-existing conditions.

1st Option - NEW PCIP Guaranteed Issue Plan

Many people who have been unable to get health insurance can now get coverage through the Pre-Existing Condition Insurance Plan (PCIP), created under the Affordable Care Act. PCIP is provided through the US Department of Health and Human Services and administered by GEHA.

Use this form to email us and immediately receive the forms needed to apply for the PCIP Guaranteed Issue Plan.

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2nd Option – LA Health Plan HIPAA Plan

There is no pre-existing condition exclusion for eligible enrollees in the HIPAA Plan.

Must apply before or within 63 days of the last day of coverage.

Must have a minimum of 18 months of “Creditable Coverage”.

Must elect and exhaust all COBRA or continuation benefits.

Most recent coverage must have been under a group plan.

Use this form to email us and immediately receive the forms needed to apply for the LA Health Plan HIPAA Plan.

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3rd Option – LA Health Plan High Risk Plan

There is a 6-month pre-existing condition exclusion waiting period in the high risk pool, including prescription drugs.

Use this form to email us and immediately receive the forms needed to apply for the LA Health High Risk Plan.

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Medical Tourism

Medical tourism has been around for quite a while, but it’s becoming more widely accepted as an option for patients seeking quality care for an affordable price. For example, procedures such as a hip or knee replacement routinely cost $45-$50,000 in the United States, but can be performed in Mexico or Costa Rica for $10-$15,000. Medical tourism is even being added as a benefit to some insurance plans to further reduce your out-of-pocket cost.

While the costs will vary according to which country and which procedure, and the condition of the patient, savings can be up to 90%.

Here is a recent CNN report on the increased availability and acceptance of medical tourism:

Patients can be assured about the quality of care by practicing due diligence, often with the help of a trained and certified Medical Tourism Facilitator. Many doctors who serve in the medical tourism industry are trained and board certified in the United States.

Trish Freeman Insurance Services provides an insurance policy which covers the complications of medical tourism – please contact us for specifics and we can help you assess whether medical tourism is a good option for you.