Frequently Asked Questions

Can I automatically move from a group plan to an individual health plan  without meeting new underwriting guidelines?
No, you must re-apply for the individual plan and meet underwriting guidelines for acceptance (i.e. health history, current health, occupation, etc..).

What is COBRA coverage?
COBRA is an acronym for Consolidate Omnibus Budget Reconciliation Act of 1987. This allows employees who leave a group health plan to continue their coverage for a specified period of time if all requirements are met by both the employer and employee.

I only need coverage for 60 days and I need it to start soon. Is there a plan available to meet this need?
Yes, there is coverage called “short term health insurance” which is designed to be fill gaps in your coverage while in between jobs, after graduation or similar situations.

Is my company eligible for group insurance?
In the state of Louisiana under certain conditions and requirements a business with as few as two employees and/or owners can obtain group coverage.  The company must be a legitimate business domiciled in Louisiana.

Will my pre-existing condition be covered under a new health plan?
If you have had comprehensive health coverage for the past 365 days with no gap in coverage of 63 days or more then your pre-existing conditions will not be excluded unless that health condition is not a covered expense of the policy you select.

Does individual health insurance coverage maternity benefits?
Some plans do offer maternity for individuals but not all. The premium is higher for maternity coverage. Certain conditions must be met to qualify for maternity coverage.