Best Health Insurance Agencies in Lake Charles, LA

Lake Charles, LA Health Insurance FAQs

• How can a Medicare supplement plan help someone in Lake Charles?

  A Medicare supplement plan obtained from private insurance companies can be used to pay for costs that Medicare does not cover. These include deductibles, co-insurance, and co-payments. Beneficiaries in Lake Charles should note that Medicare only pays for 80% of the hospital bill, including services, prescriptions, and doctor's fees.

• Why should seniors in Lake Charles purchase dental insurance?

  Seniors in Lake Charles who want comprehensive coverage on dental benefits can purchase stand-alone plans from private insurance companies. Medicare coverage is limited to preventive care, which may include fluoride treatments, exams, and cleanings. Depending on the type of dental plan, the coverage can include oral surgery, crowns, root canals, and periodontic services. Stand-alone plans are not coordinated with Medicare, so using their benefits does not affect Medicare coverage.

• Are you required to carry health insurance in Lake Charles?

  Because the IRS no longer imposes tax penalties for those with no health insurance, Louisiana no longer requires state residents to carry health insurance. However, some companies are still required to provide health plans to their employees. The lowest level individual health plan bought from a private insurer can cost around $500 a month in Lake Charles, which might not be affordable for many. Those with limited means can apply for financial assistance through the federal health insurance marketplace, where they can get a plan for only $50 a month.

• Will you need long-term disability insurance in Lake Charles if you have health insurance?

  Health insurance in Lake Charles can only pay for certain kinds of coverage, such as medical bills for sickness and accidents. On the other hand, long-term disability insurance can be a source of income if you cannot work or move because of a disability. These funds can be used to pay for utilities, food, housing, and certain medical expenses.

• Are there local programs in Lake Charles for children with special needs?

  Yes, the LA Department of Health's Children's Special Health Services offers various assistance to families with members who have special needs. The Calcasieu Parish Health Unit is at 3236 Kirkman St Lake Charles, Louisiana 70601, and can be reached on the phone at (337) 478-6020. Appointments are encouraged, so calling ahead is recommended.