Expertise.com
2024

Last updated:

Best Health Insurance Agencies in Lake Charles

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Lake Charles Health Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

1431

Reviewed

860

Curated

4

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

411 W College St, Lake Charles, LA 70605
WebsiteLicense: 296340

Expertise.com Rating

Why choose this provider?

Chris Gaudet offers health insurance products to Lake Charles residents. He helps individuals apply for health insurance plans that suit their medical and financial needs. These plans include supplemental health covering the expenses of clients due to outpatient surgeries, emergency room visits, unexpected childcare, extra transportation or lodging, and private room fees. In addition, he carries Medicare Supplement, individual medical, and long-term and short-term disability plans. Gaudet has been a State Farm insurance agent since 2008.

  • Life Insurance
  • Health Insurance

3616 Ryan Street, Lake Charles, LA 70605
WebsiteLicense: 490518

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Review Sources

Google
4.9 (130)
Facebook
4.9 (42)
Yelp
5.0 (2)

Why choose this provider?

Curt Beckham provides health insurance products to Lake Charles and the neighboring communities. He helps individuals apply for health insurance plans, including supplemental health covering outpatient surgery bills; private room fees; emergency room visits; and extra transportation, meals, or lodging expenses. He also caters to clients ages 65 and older suffering from permanent kidney failure who wish to enroll in Medicare Supplement insurance. In addition, he offers long-term and short-term disability plans. Beckham is a State Farm insurance agent.

  • Life Insurance
  • Medicare Supplements
  • Health Insurance

1808 Highway 190 West, Suite B, Deridder, LA 70634
WebsiteLicense: 228271

Expertise.com Rating

Why choose this provider?

For over 100 years, McGriff is a national insurance brokerage that has been serving Lake Charles. It offers an assortment of personal insurance options, including health, long-term care, disability, and life insurance. Its agents work with clients to determine their coverage goals and needs before shopping from carriers like Liberty Mutual to find policies that match these criteria. Robert Drew, the company's regional insurance president for the south, holds a bachelor's degree in Finance and has over 20 years of industry experience.

  • Health Insurance

509 7th St., Lake Charles, LA 70601
WebsiteLicense: 86959

Expertise.com Rating

Review Sources

Google
4.7 (26)

Why choose this provider?

Curtis Insurance is a local agency that has been operating in Lake Charles since 1973. It offers Medicare insurance plans that cover copays, coinsurance, and deductibles. Its agent, Tommy Curtis, partners with private insurance carriers to provide coverage options such as medical care when travelling outside the US and a combination of Medicare and Medicaid for those who are eligible. He also assists clients in acquiring insurance coverages for auto, life, and recreational vehicle needs.

  • Medicare

Frequently Asked Questions

  • Introduction

    If you're looking for health insurance for yourself or your family, an agent can help you save time, understand your options, and manage your costs. Insurance agents must be licensed in the state where they operate. They can provide information about on- and off-exchange plans to help you weigh all of your options, and they can see if you qualify for tax credits that can lower your monthly premiums. There's no cost to work with an agent, and they can help you save quite a bit by recommending the best plan for your needs. Here's what you should know before you get started.

  • 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.

  • How can you find affordable health insurance? 

    Affordable insurance is available through employers, Medicare, Medicaid, and the federal Health Insurance Marketplace, which offers subsidies in the form of tax credits. You can also purchase coverage through private insurance companies and independent agents. Nearly half of all Americans have employer-sponsored health insurance, and about 10% of the population is uninsured.

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