Assistance programs – Not everyone is fortunate enough to be employed or to be able to get group insurance. There are assistance programs in Louisiana, including Baton Rouge, available to those who need help purchasing Baton Rouge health insurance. This includes the Louisiana Children's Health Program which covers children of residents who cannot afford to get health insurance on their own. Low-income residents can also make use of Medicaid, or any of the Federal programs available to help. Corporations like drug research and development companies may be able to extend discounted or free medications to people in need of assistance.

Check with your health provider about the possibilities to help you get Baton Rouge health insurance.

Individual plans – Individual Baton Rouge health insurance plans are also available for those who can afford them and those who are self-employed, unemployed, and those whose employers do not offer group insurance. An individual can directly purchase a plan from any of the Baton Rouge health insurance companies. There might be stricter screening rules for individual health insurance purchasers. For example, a pre-existing medical condition like diabetes might be cause to be denied an individual health plan. They can also put stipulations on your policy such as a waiting period, exclusion of claims for the first twelve months of coverage, or increased rates.

If you have a pre-existing condition, do not lose heart. Have your medical records ready and shop around for a company that is willing to insure you for the right price. Even if you will have to pay higher premiums, it is still more cost effective for you to get Baton Rouge health insurance.

Part 1