Choose Your Benefits
Welcome to my website, and thank you for the opportunity to assist you with your health care needs.
In todays culture, not having some protection against the high cost of health care can be crippling, and many families have faced bankruptcies because of it! Staying as healthy as you can is one way of staying ahead of the game, but illnesses and accidents do happen and its best to have a plan!
Years ago, you had to work for a large corporation or at best a company with many employees to get a terrific benefits package. Thankfully, today things have changed, and a benefits package is easily and affordably within your reach, even if you’re self employed or a 1099 employee! (Providing that nothing changes, we hope to be able to continue in the FREEDOM to choose for ourselves, the types of packages we want for ourselves and families!)
We have group plans for 2 employees and up, individual plans that business owners can list bill and have their employees pay for with pre-tax dollars (which saves both them and YOU employment tax dollars!) If you’re Self Employed, a 1099 employee or Individual or family, we can cover you, too!
Blue Cross Blue Shield is the oldest and largest Health Insurance Company in La. Please call me for a quote at 985.893-3320
COVENTRY ONE has affordable Major Medical health insurance rates and very nice benefits! The PPO is large, and the co-pays on prescriptions, office visits and the ER give you 1st dollar benefits! Coventry One is a great value, and most people are quite impressed with their rates and benefits!
LaCHIP is a health insurance program for children. There are income guidelines for FREE or low cost ($50/month for all children in the home) health insurance. Many times, being able to use LaCHIP for their children’s healthcare, gives parents or grandparents the opportunity to afford a better policy for themselves. LaCHIP is the best insurance you could ever get for your children! see: www.LaCHIP.org
Many people REALLY don’t understand that everyone cannot get health insurance due to pre-existing conditions, height and weight guidelines or cost. If you have pre-existing conditions, we have Assurant Affordable Health Access and the AIM Guaranteed Issue Policy. While neither of these plans are major medical, they both are a comprehensive, limited benefits policy and have a large PPO that can to help with your medical expenses, including prescriptions, office visits, in patient and out patient benefits. I call them Mini-Medical Plans.
La Health Plan is our Louisiana HIGH RISK POOL Insurance plan for people who have been declined by traditional health insurance companies because of pre-existing conditions or weight and height issues. It is considered Major Medical insurance and has higher rates and limits than the mini medical plans.
* Important Note: If you’re currently insured and have serious pre-existing conditions, it would not be in your best interest to drop your current major medical insurance! If you do not have insurance and would like coverage to help with your expenses, we can definitely help you. The only time we suggest the Mini-Medicals are if you simply cannot afford to keep your current major medical policy and planned to drop it because of the expense or are currently un-insured or under-insured.
We also have stand alone policies for Dental, Accidents and Critical Illness; as well as Bridge Insurance which offers benefits to help pay your deductible with HSA’s or high deductible policies.
I look forward to helping you with your health insurance needs!
Debbie Mormino
Mormino & Associates
To get a COVENTRY ONE quote, click HERE
Individual or Family Coverage, Special Insurance for College Students and Temporary Coverage
