Group health insurance in Louisiana is generally provided when a business has at least two full-time employees. It may cover the employees of a business or the members of associations or labor unions. One master contract usually covers the entire group.

Group health insurance providers in Louisiana usually offer a lower premium and greater coverage because the financial risk is distributed among its members. A Louisiana group health insurance provider also offers tax advantages because employer contributions are almost always tax deductible.

There are three key points to consider when evaluating a group health insurance plan in Louisiana:

1. The coverage limit is the maximum amount Louisiana group insurance companies will pay.

2. The deductible is the amount that must be paid by an employee before a group health insurance provider in Louisiana will begin to cover costs.

3. Ensure that there are enough providers in a Louisiana group insurance plan within your area. Health insurance usually only covers services provided by designated health care professionals.

Action Steps
The best contacts and resources to help you get it done

Get a referral to a licensed insurance agent for Louisiana group health insurance coverage

A referral provides you with a quote and the contact information of Louisiana group health insurance providers without speaking to them until you are ready to.

I recommend: Fill out the brief application form at Respond B2B to receive a quote from a local health insurance agent in Shreveport.

Collect quotes from a variety of group health insurance providers in Louisiana

Group health insurance in Louisiana has a much lower requirement on the overall health of its policy holders than individual health insurance does. It is also cheaper because the employer usually pays for a portion of the group health plan.

I recommend: Go to Health Plan One for a list of major insurers that offer free quotes on group health insurance in Louisiana. These quotes will be based on your zip code and type of health insurance you’re interested in.

Solicit a quote from specific Louisiana group health insurance providers

You may already be interested in obtaining a group health insurance plan from a particular agency. In this case, you will want to apply one time through the agency. They will get quotes only from those insurers that are able to meet your needs.

I recommend: Go to Group Health Plans of Louisiana and complete the application form for your business. You will need to include information about Louisiana group health insurance for all of your employees.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Offer a consumer-driven group health insurance plan for employees who wish to be more engaged in their health care. Louisiana group insurance companies usually offset a low-cost, high-deductible plan with Health Reimbursement Accounts (HRAs) and Health Savings Accounts (HSAs) that allow a member to manage their expenditures much more closely than with a traditional health care plan.