Health
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One out of six Americans is hospitalized each year.
An average stay costs thousands in hospital and doctor bills.
Can you afford to go it alone?
LOOKING FOR AFFORDABLE HEALTH INSURANCE?
If you or your family are not currently insured or even just looking for a more affordable health plan, we have the resources to help. Don’t let the high premiums or rate hikes keep you from protecting your family or your business forcing you to go it alone.
Dan Burghardt Insurance has been delivering quality health coverage in Louisiana for over 25 years. With Dan Burghardt you get quality individual family or group health plans at affordable prices. In the hospital or at your doctor’s office, we have a variety of plans that balance costs and benefits to protect you against unexpected illness or emergency.
WHAT WE OFFER:
Dan Burghardt represents top company leaders in medical products from Blue Cross, Coventry, Aetna, Humana, Celtic, Fortis, United Health Care, Golden Rule, and more. We shop to find the best price to fit your budget so you get the most protection that today’s dollar will buy, saving you countless calls and frustration.
Our health specialist will respond to your email inquiries immediately and mail or email you rates and brochures or you can call us direct at (504) 441-RATE (7283) offering you over 25 years of experience.
CLICK HERE coventry one FOR AN IMMEDIATE QUOTE AND PURCHASE ONLINE THROUGH ONE OF OUR TOP QUALITY HEALTH CARRIERS. AVAILABLE ARE CO-PAY PLANS AND MEDICAL SAVINGS ACCOUNTS.
AVAILABLE PRODUCTS:
- Individual Health - The term Individual Health refers to a wide variety of insurance policies including some of the above listed or as follows: Short Term Medical, Health Maintenance Organization (HMO), Point of Service (POS), Medical Savings (MSA), Preferred Provider Organization (PPO), Traditional, Dependent Only, In Hospital Only, Students, Medical Savings, Child Only, Guarantee Issue, Long Term Care, Medicare Supplements and Major Medical.
FOR MORE INFORMATION ON INDIVIDUAL HEALTH, Click below:
Consumer Guide to Individual Health - Group Health - If you are self-employed or own a business with employees and are looking for Group Rates including Group Dental, Disability or Life, visit our website under Group Benefits for more detailed information on group products and availability.
- Short Term Medical - If you’re looking for Temporary Insurance (Short Term Medical) for gaps in your health insurance, such as:
Click here: Consumer Guide to Individual Health
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For more information and rates on Short Term Medical visit our website.
For more information on Individual Health click below:
Individual Health
- Dependent Coverage - Adding your spouse or children only, or both spouse and children to your individual or group policy. Depending on the type of Group Policy, the cost of an Individual Policy usually is much lower than Group Dependent rates. Ask our Health Specialist for a quick comparison before making a decision.
- HMO - A Managed Care Plan that generally provides comprehensive health services including preventive care, to their members and financial incentives for patients to use the providers who belong to the plan. If you go outside the HMO Network, you will pay the bill. Some HMO’s require a primary care doctor who helps coordinate their general health. These services are usually offered in a particular geographical area of doctors and hospital networks.
- PPO - An indemnity plan where arrangements with doctors and hospitals and other providers of care have agreed to accept pre-determined fees from the insurer for their services. Example: $15.00 for a doctor’s office visit and $10.00 for a prescription co-pay. The enrollees may go outside the network but would incur a larger cost in the form of higher deductibles, higher co-insurance rates, or non-discounted charges from the provider.
- Traditional - A Traditional Health Policy will normally have an annual deductible per family member with a co-insurance clause of either 90/10, 80/20, 70/30 or 50/50 of all incurred charges, both in and out of hospital for the calender year.
- Child Only - Is an Individual Health Policy designed to meet the needs of infants all the way thru teens. Coverage includes first dollar coverage, immunizations office visits, accident coverage, etc. Premium is based on child’s actual age. Policy is issued with parent or guardian as applicant and payer.
- Guarantee Issue - A hospital indemnity specifically designed for health-impaired persons. An affordable alternative to expensive “State risk pools” available to individual and families. No health questions asked. For more information call (504) 455-RATE 7283 or visit our website.
- Point of Service - A POS Plan is an “HMO/PPO” hybrid sometimes referred to as an “open-ended” HMO when offered by an HMO. POS plans resemble HMO’s for in-network services. But, if a primary care doctor makes a referral outside the network, the plan pays all or most all of the bill. (e.g., provider reimbursement based on a fee schedule or usual, customary and reasonable charges).
- Major Medical - Is a stop-loss health insurance that goes into effect after a substantial deductible has been met by the insured. The front-end deductibles range from $1000, $3000, $5000 and as high as $25,000 with the higher deductible offering the lowest possible rate. This health program is aimed at persons who do not want first dollar coverage but need casatrophic topic coverage only.
- In-Hospital Only - Health Plan specifically designed for hospital admittance very limited out patient coverage such as doctor office visits and prescription drug card. Emergency room treatment can be added at an additional premium but this program is mostly aimed at expensive long-term or short-term in-hospital stays.
- Long Term Care - Long Term Care Insurance provides for a person’s care in case of chronic illness or disability especially when an individual cannot independently manage the essential activities of daily living. Example: Feeding, dressing, bathing, toileting and walking, as well as moving one’s self from a bed to a chair. Disability is not confided to physical situations only, they can include mental as well, such as Alzheimer’s disease. This care can be provided in a skilled nursing facility, a nursing home, a mental hospital, an assisted living facility, in a person’s home with a registered nurse, licensed practical nurse or a nurse’s aid.
- Self Employed - As a self-employed person you are accustomed to making decisions for yourself. There are several options available that are listed right here, including individual, group, medical savings accounts, etc. The only restriction would be that you might need one or more employees to be eligible for a group quote.
- Cafeterias - Put Simply, cafeteria plans are company benefit programs that allow employees to use pretax dollars to pay certain out-of-pocket expenses. They are not health insurance plans. Cafeteria plans — also called 125 plans because they are defined in Section 125 of the Internal Revenue Service Code — are so-called because employees can pick and choose from a menu of benefits custom designed by the employer. The choices most-often offered are premium conversion and flexible spending arrangements
- Medicare Supp. - This coverage supplements the coverage provided to senior citizens by Medicare. Medicare requires deductibles and co-payments for many types of treatment. If your income is below a certain level these expenses may be paid by Medicaid. If your income is above this level you will have to pay the deductibles and co-payments out of your own pocket. Medicare supplements cover most of these out-of-pocket expenses.
- Student - Most schools make it possible for you to obtain health insurance through an endorsed student health insurance plan. Enrollment periods are specific to your economic schedule and requirements do not depend on age but on student eligibility status as determined by your school.
- Medical Savings - Introduced recently, a Medical Savings Account combines a high deductible health plan that provides coverage for major losses and a savings account to accumulate funds for other qualified routine medical expenses. The medical savings account is designed to put consumer in control of a portion of the money that is spent on their behalf. The premium for the health plan and your contributions to the savings accounts are tax deductible. Cash withdrawals from the savings account are not taxable if used to pay for medical expenses. Think of a MSA as an IRA exclusively for offsetting medical expenses. Money not spent stays in the MSA and accrues interest on a tax-free basis. MSA’s are usually set up through insurance companies and banks.
- International Travel - you may wish to have access to health care in other countries, including the US, in the event you become serious ill while traveling. If you are a US citizen traveling or living abroad, US private health insurance will not meet your needs. Geographical exclusions and provider limitations will restrict or even eliminate the coverage available to you while you are outside the US. If you are a non-US citizen you may need an international medical insurance policy to provide coverage while you are outside your home country. Visit our website for more information.
- State Risk Pool - If you have found it difficult to get insurance on your own the State Insurance Department has made available a Risk Pool for people who are not eligible or cannot afford individual health insurance. Please contact us for more information on how to reach our Department of Insurance.
WHAT HAPPENS TO MY INSURANCE IF I LOSE MY JOB?
- Federal Law commoner known as COBRA (Consolidated Omnibus Budget Reconciliation Act) of 1985 mandates that group sponsored health plans with 20 or more employees are required to offer continuous coverage for you and your dependants for 18 mos. after you leave your job.
- Under the same law following an employee’s death or divorce the worker’s family has the right to continue coverage up to 3 yrs. and you must act by notifying your employer within sixty (60) days.
- If you do not qualify for COBRA (groups under 20 employees), you may be able to convert your group policy to an individual coverage with no medical underwriting, although there may be pre-existing condition exclusions depending on your medical history. COBRA does not restrict coverage due to pre-existing health conditions.
WHAT ARE PRE-EXISTING CONDITIONS?
A health or physical condition that exists prior to the effective date of a medical insurance policy. Some health and disability policies contain provisions that exclude coverage for a loss arising from a pre-existing condition.
- Many people worry about coverage for pre-existing conditions, especially when they change jobs. The HIPAA Act (Health Insurance Portability and Accountability Act), helps assure continued health insurance coverage for employees and their dependents.
- Starting July 1st, 1997 insurance companies could impose only one 12 mo. waiting period for a pre-existed condition treated or diagnosed in the previous 6 months. Your prior health insurance coverage will be credited toward the pre-existing exclusion period as long as you maintain continuous coverage without a break of more than 62 days. Pregnancy is not considered a pre-existing condition.
- If you have group insurance for 2 yrs, and switch jobs the new group health plan cannot impose another pre-existing condition. However without prior coverage you may be subjected to a 12-month pre-existing condition waiting period.
WHAT HAPPENS IF NO ONE WILL INSURE ME?
Our Life and Health Specialist can refer you to a Guaranteed Issue Health Program available thru one of our Health Insurance Markets or we may also assist you in contacting the State Insurance Department for possible eligibility thru the State’s High Risk Pool. You may contact us directly at (504) 441-RATE (7283) or email us a quote form.
COMPANIES WE REPRESENT
- Aetna
- Blue Cross
- Coventry
Fortis - Golden Rule
Humana - United Health Care
- Celtic
CLICK HERE www.coventryone.com FOR A QUICK QUOTE AND PURCHASE ONLINE THROUGH ONE OF OUR TOP QUALITY HEALTH CARRIERS! AVAILABLE ARE CO-PAY PLANS AND MEDICAL SAVINGS ACCOUNTS.
We are providing you with some sample rates below that include the following coverage:
- Unlimited co-pays for doctor visits
- Prescription drug benefits
- Choice of over 4000 doctors and over 100 hospitals
- Direct access to specialists
- Affordable rates for singles, couples, children only, students and dependents only coverage
POS COPAY VALUE PLANS WITH RX BENEFITS - Sample Rate Tables
http://www.ldi.la.gov/consumers/misc_pubs/Consumer’s%20Guide%20to%20Individual%20Health%20Insurance.pdf