Call For Expert Help


Louisiana Small Business Group Plans

According to the Louisiana small business profile, 97.6 percent of total firms were small firms as of 2004.  Women also represent roughly 23 percent of the self-employed in Louisiana Health Plan One can help you business find plans under Aetna Health Insurance, Humana, and Golden Rule.  Enter your zip code above and select “Small Business Group” to find a quote in your area.

To qualify for small group health insurance, your business must have two to 50 full time employees who work at least 30 hours a week and who are not seasonal. At least 50% of all employees in the small business must also be insured.

Underwriting in Louisiana is also legal which means the health insurance of each individual employee will be taken into consideration to provide one flat monthly premium rate.  Understanding your employee’s health history and needs in an insurance plan is important, because since group health insurance premiums are tax-deductible, the amount of tax credit your company receives at the end of the year depends on how much you spend on group health insurance.

Aetna offers the Personal Health Record, which gives a record of each employee’s health history for the employer.  This includes all claims and medical background of the employee.  The Personal Health Record also gives Aetna 24/7 access to update, change or add information to the employee’s accounts.

For more information about Aetna’s plans and rates, visit our Aetna Health Insurance page.

Humana offers a similar program to employees, called the Employee Assistance Program (EAP).  The EAP offers 24/7 access for employees to speak with a representative on the telephone to answer any questions and/or concerns about the employee’s health insurance.  The EAP also offers the option to include three face-to-face assessments per unique issue along with six face-to-face short counseling sessions per unique issue.  The amount of visits per year may vary by state.

For more information about Humana’s plans and rates, visit our Humana Healthcare page.

The least expensive plan for employers to offer for their business is Health Maintenance
Organization plans (HMO).  HMOs require employees to stay within the network of the health insurance carrier.  A carrier has a network of health care providers (primary care, specialist care, and hospital care).  Deductibles are usually lower for these plans because the employees are staying within network.  However, this plan may not always be popular with employees because they may have a family doctor or a specialist who they are comfortable with that may not be within the carrier’s network.  Therefore, some employers choose Preferred Provider Organization (PPO) plans.  For a higher deductible and sometimes premium, the employee is able to choose from any provider they want.

According to a UnitedHealthcare survey and analysis, employees who were insured under consumer-driven health plans, such as Health Savings Accounts, experienced a 22 percent decrease in hospitalization and a 14 percent decrease in emergency room visitations.  Health Savings Accounts was introduced to the market at the end of 2003.  They allow employees to manage their health care money, whether they switch jobs or move to a different state.

For more information about UnitedHealthOne insurance rates, visit our Golden Rule Health Insurance page.

Call 877-567-5267 to speak with our trained health insurance specialists and receive a quote.