Moeller Life & Health Insurance is dedicated to helping individuals gain a better knowledge on how to get the best possible Health Insurance coverage at the lowest possible cost.  We like to provide as much information possible before you make your Health Insurance decisions.

Louisiana Health Insurance presents numerous types of coverage with choices of benefits that best meet any particular interest & budget.  The most common types of Health Insurance in Louisiana are PPO & HMO.

A PPO (Preffered Provider Organization) Health Insurance plan in Louisiana offers the ability to use the provider network with no restrictions.  With a PPO Health Insurance plan, a person can see any doctor without a referral.  Some have nationwide directories.  A PPO Health Insurance plan will usually have a deductible choice and co-insurance out of pocket amount.  Co-insurance is implemented after a deductible is met.  The Health Insurance company then begins to pay a percentage of the covered expenses according to the Health Insurance plan.  It can be at 80% where the insured pays 20%.  Or it can be 70/30, 60/40, or 50/50.  The out of pocket amount is your portion of co-insurance until it reaches  the dollar amount according to your Health Insurance plan benefits.

An HMO (Health Maintenance Organization) Health Insurance Plan in Louisiana is very convenient.  They usually don't have deductibles, rather simple co-pays for covered services.  The network of providers is within state lines.  Currently with most HMO Health Insurance plans one has direct access to the network providers not requiring a referral to see a direct specialist.

An HMO/POS (Point of Service) Health Insurance plan features out of network benefits with an HMO Health Insurance plan.  A POS plan offers the utilization of doctors & hospitals outside of the network under a different benefit stucture, usually with deductibles & co-insurance amount.

A Catastrophic Health Insurance Plan in Louisiana limits coverage to surgery & hospital stays protecting the insured from great expenses.

If you would like to learn more aabout these plans & others that are offered in Louisiana, such as Cancer Plans, Indemnity Plans, & more, please contact us, and let our Health Insurance expert & consultant assist you in finding the best possible protection at the lowest possible cost.

Sincerely,

Bryon J. Moeller
Owner/Agent of
Moeller Life & Health Insurance
Independent Louisiana Health Insurance Agent
(504)495-8320
(985)737-1009
Bryon@MoellerInsurance.net