The Louisiana Health Plan has immediate openings for over 1,800 new policyholders
for the High Risk Health Insurance Pool. The High Risk Pool provides coverage for
individuals who have been denied coverage by traditional, private health insurance
There are a limited number of openings in the Louisiana Health Plan, which will
be available on a first come, first serve basis.
Applicants must meet the following requirements:
- Be a resident of Louisiana for the past six consecutive months;
- Be able to provide at least two written denials of health
insurance coverage due to any medical condition and not be
eligible for Medicaid, Medicare, group coverage,
or COBRA; and
- Not be covered currently under major medical health insurance.
However, coverage through limited benefit policies such as "hospital only"
policies or cancer policies does not exclude an applicant from coverage in the Louisiana
Those covered through this high risk pool are provided with major medical health
coverage and the option of seeking care through a preferred provider organization
similar to those used by most employer provided health plans. The high risk pool
covers most medical procedures; however, mental health, substance abuse and maternity
are not covered. Additionally, pre-existing conditions are not covered the first
six months the policy is in effect.
Any licensed health insurance agent in the state of Louisiana can provide assistance
to interested individuals. Agents receive a processing fee for assisting with the
completion of the High Risk Pool applications. Applications can be downloaded and
more information can be obtained from the website at www.lahealthplan.org. If further
assistance is needed please contact the Louisiana Health Plan at 1-800-736-0947.