Blue Cross Blue Shield of Louisiana – Overview
The Blue Cross Blue Shield of Louisiana lets you access an extensive network of highly-qualified doctors for healthcare services at any time. Currently, BCBS Louisiana serves over 1.9 million customers through 9 regional offices and has been active since 1934.
Let’s take a closer look at how Blue Cross Blue Shield Louisiana helps policyholders.
Blue Cross Blue Shield of Louisiana Insurance Coverage
All medical insurance plans offered by BCBS Louisiana offer several distinct advantages and benefits, including:
- Emergency care service
- Ambulatory patient services (for outpatient care)
- Hospitalization (for surgery and overnight stays)
- Mental health and substance abuse disorder treatment and rehab (counseling and psychotherapy)
- Prescription drug coverage
- Rehabilitative and support services and devices (that help injured, disabled and those suffering from chronic health conditions)
- Laboratory services
- Wellness and preventive care services
- Pediatric services (including vision and oral healthcare services)
- Chronic disease management
Besides these, buying insurance from BCBS Louisiana also has additional benefits, such as:
- Breastfeeding coverage
- Birth control coverage
- Dental coverage
- Vision care
- Medical management programs (for back pain, diabetes, weight management, etc.)
Additionally, BCBS Louisiana offers preventive service coverage with most health insurance plans, which includes vaccine shots and regular health screening at no extra cost. These are included in any plan you buy through the Health Insurance Marketplace.
However, preventive health services are covered for no charge only when delivered by a doctor or other healthcare provider who is part of the BCBS Louisiana network. There are three different types of preventive care coverage, one each for adults, women, and children.
BCBS Louisiana health insurance plans also offer coverage for pre-existing conditions. Under the ACA, no insurance plan can reject coverage, charge extra or refuse to reimburse you for essential healthcare services for any medical condition that you had prior to getting the insurance coverage. The insurance carrier cannot deny you coverage or raise their rates based on your health condition. This also applies to pregnancy services if you are pregnant when applying.
Blue Cross Blue Shield of Louisiana Health Insurance Plans
Here are the top medical insurance plans offered by Blue Cross Blue Shield Louisiana:
BCBS Louisiana Select Networks Plan
The Blue Cross Blue Shield Select Networks Plan is extremely affordable and offers significant coverage. Under this, you will need to pay a lower premium. This allows you to save substantially when seeing doctors, visiting clinics, and seeking healthcare services at in-network hospitals. This plan is designed for residents of select areas in Louisiana.
Health Savings Account (HSA) qualifying plans usually have a lower premium rate. There are also several tax benefits you can receive by choosing HSA besides lowering your tax liability.
To find out more details about this insurance plan from BCBS Louisiana, you can visit the official website.
BCBS Louisiana Blue Saver Plan
The BCBS Louisiana Blue Saver, health insurance plan is HSA (Health Savings Account) eligible and comes with optional coinsurance and deductible choices. Additionally, this insurance plan becomes more affordable as there are no copayments you will need to make.
You can find more details of the Blue Saver insurance plan from BCBS Louisiana.
BCBS Louisiana Blue Point of Service
The Blue Cross Blue Shield Louisiana also offers the Blue Point of Service health insurance plan. Under this insurance, you can receive healthcare services across the state. You also have options to choose the best-suited deductibles, coinsurance, and copayments. In addition, you get access to all Louisiana HMO and POS network healthcare providers.
To find more details about the Blue Point of Service plan BCBS Louisiana offers, you can check out the official link.
BCBS Louisiana Blue Max
The BCBS Louisiana Blue Max health insurance plan, offers extensive coverage. It allows policyholders to seek healthcare services across the statewide network of healthcare providers, along with extensive coverage for different types of healthcare services. It also grants customers access to the Preferred Care PPO network for additional benefits.
If you want to know more about the BCBS Louisiana Blue Max health insurance coverage and benefits, you can check out the official link.
BCBS Louisiana Bridge Blue
The Blue Cross Blue Shield Louisiana Bridge Blue health insurance plan offers comprehensive insurance coverage and benefits. This is basically a short-term medical plan with significantly lower premiums. It can be easily combined with any ACA alternative plan for medical and prescription drug coverage. Under this plan, policyholders can choose multiple network options for efficient and affordable healthcare services.
To learn additional details about the BCBS Louisiana Bridge Blue health insurance plan, you can check out the official link.
BCBS Louisiana Dental Insurance Plans
Blue Cross Blue Shield also offers extensive dental health coverage too. Let’s check out some of the most popular dental health insurance plans offered by BCBS Louisiana:
BCBS Louisiana Value Traditional plan
The Blue Cross Blue Shield Value Traditional dental health insurance plan is offered for a substantially low premium cost. Though it does not offer coverage for major dental health services, you receive up to USD 500 as an annual maximum benefit. You can also choose the no-cost deductible option for every member.
To find more details about the BCBS Louisiana Value Traditional plan, you can check the official website.
BCBS Louisiana Essential Traditional plan
The BCBS Louisiana Essential Traditional dental health insurance plan covers major dental services, such as root canals, dental crowns, and dental surgery. Besides this, you also receive up to USD 1,000 as an annual maximum benefit and can also receive USD 75 as an annual deductible per member.
To find more details about the BCBS Louisiana Essential Traditional dental insurance plan, you can check out the official website.
BCBS Louisiana Preferred Traditional plan
The BCBS Louisiana Preferred Traditional dental health plan also offers comprehensive coverage, including dental crowns, surgery and root canals. You will receive up to USD 1,000 as an annual maximum benefit, besides receiving around USD 50 as an annual deductible per member on the policy.
To find additional details and information on BCBS Louisiana Preferred Traditional dental health insurance plan, you can check out the official link.
The Blue Cross Blue Shield Association of Louisiana offers extensive medical and dental insurance coverage through various plans. Each of these is designed to address a particular aspect of essential healthcare needs which makes these plans not just affordable but also comprehensive.