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As we all navigate this season of confusion and unknown, we want to take some of the guess work out of your health insurance. Our services should not be a mystery to our clients. And our hope is to offer as much stability, clarity and comfort as possible as we continue to provide the best care possible.

What you need to know.

The governing entities have worked quickly to set policies that protect and help you as a health insurance policy holder. Here is a simplified breakdown of information you may want to be aware of and understand.

  • The current COVID-19 circumstances led Louisiana governor to declare a State of Public Health Emergency.
  • Under this declaration, new “Emergency Rules” have taken effect in Louisiana.
  • This likely impacts your health insurance policy in a variety of ways that will be helpful to you in the coming months.

EMERGENCY RULE 36: Health insurers must provide coverage for policy holders to be tested for COVID-19 without any out-of-pocket expense.

EMERGENCY RULE 37: Insurance companies have now expanded their coverage of telemedicine services so that policyholders can continue to receive services without risking further exposure through an in-office visit. This includes necessary medical care as well as mental health services.

EMERGENCY RULE 41: To accommodate the high volume of hospitalization, patients requiring continued treatment in a stepdown facility will pay the same cost that they would have had they remained in acute care. No additional transfer costs will be incurred. This will allow for continued care for patients and increased bed availability at hospitals.

Hopefully this is a helpful condensed review of recent updates to your insurance coverage in Louisiana. To view these emergency rules in full, you can visit http://ldi.state.la.us/consumers/insurance-type/healthinsurance/covid-19/

Know that your agents at Henry Insurance are here to serve you. Think of us as a resource and friend as we navigate these changing waters together. If you have any questions about your coverage or policy information, we are here to help. Just pick up the phone and give us a call at 225.927.0451 to speak to a friendly voice. We’re in this together.