Louisiana Health Plan (LHP)

→ Click here for a LHP rates

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the state high-risk pool, the Louisiana Health Plan (LHP). Note:

• The LHP prohibits pre-existing condition exclusion periods and elimination riders
• The LHP is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Louisiana, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

What does the Louisiana Health Plan cost?

LHP rates are based on the plan chosen, area of residence, age, gender and tobacco use. Louisiana law limits premiums to 200% of what a healthy person would pay for a similar plan sold by a private insurer.

Louisiana Health Plan Coverage Highlights

1. $500,000 lifetime maximum benefit
2. $100,000 annual maximum benefit
3. Choice of annual deductibles/out of pocket limits: $1000/$4500, $2000/$6500, $3500/$8000 and $5000/$9500
4. $15000 annual cap on prescription drugs
5. To learn more, click on LHP Brochure

How can I join the Louisiana Health Plan?

For enrollment information, visit LHP online at www.lahealthplan.org or call (800) 736-0947.

Special insurance for children: LA Chip

A family of four making up to $41,304 a year may be eligible for LA Chip.

• Do you qualify? Visit Eligibility
• Click here for the LA Chip Application Instructions, then click here for the LA Chip Application.
• Questions? Visit their FAQs or call (877) 252-2447