There may be several reasons for an employee needing Louisiana short-term temporary medical insurance, including unemployment or having a part-time or temporary job. It also is necessary while you are waiting for standard health insurance to begin. Louisiana state temporary health insurance can replace the more expensive Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations generally do not service policy holders of temporary medical insurance. Louisiana policy holders normally can receive care from any licensed health care provider, however.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Louisiana:

1. Gap coverage between standard policies is the primary intent of temporary health insurance. Louisiana short-term medical insurance policy holders should obtain long term insurance at some point.

2. Louisiana temporary medical insurance generally covers unexpected injuries or illnesses but is not normally used for preventative care or routine examinations.

3. Temporary Louisiana health insurance is exempted by the Health Insurance Portability and Accountability Act, or HIPAA, and is not required to be issued or renewed to all applicants. An insurance carrier also has the option of refusing applicants based on a pre-existing condition.

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

Acquire prices on Louisiana temp health insurance policies

Louisiana temp health insurance is available in a wide range of prices but it usually costs significantly more than a long-term policy.

I recommend: Find prices on LA temporary health insurance plans at the Graham Insurance Agency. This agency has been providing temporary health insurance in Louisiana for more than 50 years.

Examine the available types of Louisiana temporary health coverage

LA temporary health insurance is frequently designed for particular groups or medical conditions. You will save a substantial amount of time when you know a policy's purpose without needing to study it in detail.

I recommend: Find a summary of Louisiana temporary health insurance plans at Health-Insurance-Carriers.com. It shows the major insurers that are available in Louisiana and also provides detailed health insurance information specific to Louisiana.

Obtain customized quotes for temporary health insurance in Louisiana

You can provide your personal information for a more accurate quote when you apply for temporary health insurance. Louisiana residents can take advantage of websites that will send your application to multiple Louisiana temporary health insurance providers.

I recommend: Enter your zip code at the Blue Cross Blue Shield of Louisiana website and complete the short application form. It will be forwarded to individual carriers who will return their quotes to you.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Temp health insurance in Louisiana usually lasts for a maximum of six months, but you can frequently get approval for a second policy. This generally requires that you have not made any claims under the first policy, haven't experienced significant changes to your health and your total coverage for all plans does not exceed one year.
• •  Look for any clauses in your policy that cover disabilities beyond the stated termination date of the temporary medical insurance. Louisiana temporary health insurance policies will often pay for total disability until specific criteria have been met. These might include treatment no longer being required, the expenditure of a fixed benefit amount or the elapse of a certain amount of time past the termination date.