Individual Health Insurance

Individual insurance is:

  • Approved or rejected on individual’s health history.
  • Not guaranteed to be issued.
  • If approved, creditable coverage is given for prior insurance in force within 63 days of approval.
  • Portable & 100% owned by the individual.
  • Renewals based on pooled business, inflation & age changes.
  • If ER contributes to cost of individual insurance, the policy is subject to state & federal mandates because it is perceived as ER-Sponsored insurance.

Blue Cross Blue Shield

  • Largest carrier in LA.
  • Array of PPO products  – Copays – HDHP
  • Multi-person discounts
  • Smoker vs Nonsmoker rates
  • Incl discount dental, vision & hearing program
  • Incl maternity rider
  • Payment options: Mo, Qtr, SA, A or bank draft.   No add’l charge for billing.
  • Charge $25 one-time enrollment fee
  • List Bill available

Blue Cross Blue Shield

  • Subsidiary of BCBSLA
  • Offer POS plans
  • Multi-person discounts
  • Smoker vs Nonsmoker rates
  • Incl discount dental, vision & hearing program
  • Does not offer maternity rider
  • Payment options: Mo, Qtr, SA, A or bank draft.  No add’l charge for billing.
  • Charge $25 one-time enrollment fee
  • List Bill available

Conventry

  • Offers POS – HDHP
  • Multi-person discounts (15% for family of 4 or more)
  • Smoker vs Nonsmoker rates
  • Incl discount dental, vision & hearing program
  • Does not offer maternity rider
  • Payment option: Bank draft only
  • No enrollment fees
  • List Bill NOT available
  • Incl WellBeing: Online Wellness Education, Engagement, Incentive Program

Humana Healthcare

  • Offers PPO – HDHP
  • Multi-person discounts
  • Smoker vs Nonsmoker rates
  • Payment option: 1st premium bank draft only, subsequent payments can be bank draft or Mo,Qtr, SA + $10 billing fee/mode
  • No enrollment fees
  • List Bill available

Humana Health Care

  • Offers PPO – HDHP
  • Multi-person discounts  / Preferred vs Standard Ratings
  • Smoker vs Nonsmoker rates
  • No maternity rider
  • Payment option: 1st premium bank draft or credit card only, subsequent payments can be bank draft or Qtr billing
  • No enrollment fees
  • List Bill NOT available

AETNA

  • Offers PPO – HDHP
  • Multi-person discounts
  • Smoker vs. Nonsmoker rates
  • No Maternity Rider
  • Payment option: 1st premium bank draft only, subsequent payments can be bank draft or Mo,Qtr, SA + $10 billing fee/mode
  • No enrollment fees