Health Insurance
|
One out of six Americans is hospitalized each year.
|
LOOKING FOR AFFORDABLE HEALTH INSURANCE?
If you or your family are not currently insured, or just looking for a more affordable health insurance plan, we have the resources to help. Don’t let high premiums or the recent huge rate hikes keep you from protecting your family or your employees. With today’s skyrocketing health care costs, you simply cannot be without this critical insurance coverage.
Think you are unable to afford it? Think again! Recent government statistics show that the medical cost of an unexpected illness, a serious injury, or an extended hospital stay is the 2nd most common cause of bankruptcy! The reality is, YOU CANNOT AFFORD TO BE WITHOUT HEALTH INSURANCE!
Dan Burghardt Insurance has been delivering quality health coverage in the New Orleans and south-eastern Louisiana area 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 serious illness or injury.
EXPERIENCE THE DAN BURGHARDT INSURANCE DIFFERENCE:
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. You can also call us directly at (504) 441-RATE (7283) to reach Dan Burghardt Insurance Agency, offering you over 25 years of experience. Health insurance can be sold over the phone or internet!
CLICK HERE TO VISIT OUR NEW INTERNET SYSTEM FOR AN IMMEDIATE QUOTE AND THE ABILITY TO PURCHASE ONLINE THROUGH MANY OF OUR TOP QUALITY HEALTH CARRIERS. Available options include traditional co-pay, high-dedcutible, medical savings account and medicare supplement plans.
Featuring:
If you prefer to obtain a quote and purchase directly from Coventry One,
CLICK HERE
to go to their online quote and purchase site.
AVAILABLE PRODUCTS:
- Individual Health Insurance
-
Individual Health Insurance can refer to a wide variety of insurance policies
including: Short Term Medical Insurance, Health Maintenance Organizations
(HMO), Point of Service (POS) Plans, Medical Savings Accouints (MSA),
Preferred Provider Organizations (PPO), Traditional Co-Pay Plans, Dependent or
Child Only Plans, Hospital Only Plans, Student Insurance, Child Only,
Guaranteed Issue, Long Term Care Insurance, Limited Benefit Reimbursement plans
and Medicare Supplements. These options are explained below.
For more information on Individual Health Insurance, you may also want to read the Louisiana Consumer Guide to Individual Health Insurance.
To obtain an instant quote, or buy online, visit our new online Health Insurance quoting and purchasing system.
- Group Health Insurance
-
Group Health Insurance is for businesses, non-profits, schools, parish and
local governments, and other organizations that want to have health insurance
available to their employees. Whether the employer intends to pay all, part,
or none of each employee's cost, a Group Health Benefit is the ideal product
for providing this important coverage with the best overall coverages and
prices.
If you are an employer looking for any type of Group Insurance Benefits, including Health, Dental, Disability or Life Insurance, visit our Group Benefits page for more detailed information on products and availability.
- Short Term Medical Insurance
-
Short Term Medical Insurance is Temporary Insurance, available in terms of 30 days
to 6 months, to cover gaps in your health insurance, such as when you are:
- Between Jobs;
- Temporarily Unemployed;
- Waiting to Become Eligible for Group Benefits;
- A Temporary or Seasonal Employee;
-
A New High School or College Graduate that is No Longer Eligible for
Student Health Plans or Your Parents’
Dependent Insurance Coverage.
To obtain an instant quote, or buy online, visit our new online Health Insurance quoting and purchasing system.
- Dependent Health Insurance
-
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.
- Child-Only Health Insurance
-
Is an Individual Health Policy designed to meet the needs of infants all the way
through teens. Coverage includes first dollar coverage, immunizations office visits,
accident coverage, etc. Premium is based on child’s actual age. The policy is
issued with the parent or guardian of the child as applicant and payer.
To obtain an instant quote, or buy online, visit our new online Health Insurance quoting and purchasing system.
- Health Maintenance Organization (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.
- Preferred Provider Organization (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 Health Insurance
-
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.
- Guaranteed Issue Health Insurance Policy
-
A hospital indemnity plan 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
Guaranteed
Issue Health Insurance page.
- 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. Long Term Care.
- 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 Supplement
-
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.
To obtain an instant quote, or buy online, visit our new online Health Insurance quoting and purchasing system.
- Student Health Insurance
- 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. Student Health Insurance.
- 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 International Travel Medical Insurance 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?
-
The Federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) mandates
that group sponsored health plans with 20 or more employees are required to
offer continuous coverage for you and your dependants for 18 months after you
leave your job.
-
Also under COBRA, following an employee’s death or divorce, the worker’s
family has the right to continue coverage up to three years.
-
To take advantage of either of the above options, you must notify the employer
of the desire to continue coverage within sixty (60) days of the qualifying event.
-
If your employer does not fall under the COBRA requirements, such as having fewer
than 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 IS A PRE-EXISTING CONDITION?
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 Health Insurance Portability and Accountability Act (HIPAA), helps assure continued health insurance coverage for employees and their dependents.
Starting July 1st, 1997 insurance companies could impose only one 12 month waiting period for a pre-existed condition treated or diagnosed in the previous six 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 two years 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 through one of our Health Insurance Markets or we may also assist you in contacting the Louisiana Insurance Department for possible eligibility through the Louisiana Health Insurance 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
- Celtic
- Coventry - You can obtain a quote and buy online! Just CLICK HERE.
- Fortis
- Golden Rule
- Humana
- United Health Care
CAN I REALLY SAVE MONEY ON HEALTH INSURANCE WITH DAN BURGHARDT INSURANCE?
Still thinking about calling us? Comapre what you are paying now with the rate examples below, or use our new online quote and purcahse system to compare rates from multiple companies and plans. Then contact us for an instant price based on your particular situation. You will be amazed at how much you can save!