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Health Care Search
  • Your Current Health Insurance Broker
    May Be Costing You $50,000+

    We're not traditional insurance brokers. We're healthcare risk management consultants who uncover hidden alternatives that can save Louisiana businesses 15-25% on health insurance costs.

    Book Appointment
  • Your Current Health Insurance Broker
    May Be Costing You $50,000+

    We're not traditional insurance brokers. We're healthcare risk management consultants who uncover hidden alternatives that can save Louisiana businesses 15-25% on health insurance costs.
    Book Appointment

The $50,000 Question

What is broker complacency costing your business?

The Louisiana Reality

With Blue Cross controlling 88.5% of Louisiana's health insurance market, most brokers take the easy route: they quote you the same Blue Cross fully-insured plan everyone else gets.

The Hidden Cost

Your broker earns 3-5x higher commissions on fully-insured plans vs. level-funded alternatives. Are they recommending what's best for them or best for you?

The Opportunity Lost

While you're paying premium prices for standard coverage, sophisticated alternatives could be saving your business $47,000-$83,000 annually.

What Your Current Broker Won't Tell You

Commission Conflict

They earn 3-5x more on fully-insured plans than level-funded alternatives

Effort Avoidance

Alternative solutions require work they're not incentivized to do

Limited Market Reviews

Most only quote 2-3 carriers' fully-insured products, ignoring innovative solutions

Lack of Expertise

MERP/GAP integration and sophisticated alternatives require specialized knowledge

Sophisticated Alternatives Your Broker Never Mentioned

What is broker complacency costing your business?

Level-Funded Plans

Surplus refunds when claims run low

15-25% cost reduction

HRA Integration

Tax-free employee reimbursements

Additional 5-8% savings

MERP Solutions

Extreme customization of benefits

Tailored to employee needs

Self-Funded Arrangements

Maximum flexibility and control

Transparent claims data

Real Results From Real Clients

“Healthcare Search saved my small business over $400 monthly on health insurance. After switching to Healthcare Search, I can finally breath financially. I can’t thank you enough John, You’re amazing!”

- Allison Lawless

“At first we were skeptical about meeting John to switch, but after he worked with us to get down to the bottom of what we were spending for our household, we ended up saving $622 a month on health insurance. I’m so happy my husband and I took the leap to meet with you!”

- Lisa Devans

Comprehensive Risk Management Services

Business Health Insurance

Group health solutions for 5-1500 employees

Individual & Family

Personalized health plans for families

Medicare

Medicare plans personalized to your needs

Public Sector Benefits

Strategic alternatives for government entities

Don't Let Another Renewal Cycle Pass

Your next renewal is your opportunity to uncover thousands in hidden savings. Get a free risk assessment and discover what your current broker isn't telling you.

support@healthcaresearch.biz

FAQ

WHAT IS HEALTH INSURANCE?

Health insurance is a type of coverage that can protect you from the full expense of regular health care, as well as the costs of medical and surgical procedures. In exchange for paying a premium, your insurance company will cover the costs of your healthcare and certain types of medical procedures. Health insurance plans may be available from your employer, but you also have the option of purchasing your healthcare coverage privately. If you are self-employed or unemployed, you may have group insurance options through professional associations, in addition to private health insurance.

WHAT DOES HEALTH INSURANCE COVER?

Health insurance can cover a variety of things, from your regular checkups and family care to your major medical expenses. The types of services that are covered will vary with different healthcare providers and plan types, so it is important to determine your needs before buying a specific health insurance plan. Physician office visits are one of the most common things that health insurance covers. Other common covered services include hospital room and board, emergency room visits, and inpatient substance abuse treatment. Some things that you might think would be covered under a standard policy, such as chiropractic care and MRI’s, may not be; however, thanks to the the passing of the Affordable Care Act, most routine preventive services are covered in full. Some insurance policies will cover vision services and surgeries while others will not. Special tests may not be covered and you should not expect all services to be covered 100 percent. There is normally an out-of-pocket expense, through a co-pay, coinsurance or deductible.

HOW DOES HEALTH INSURANCE WORK?
Health insurance can help you pay for your regular healthcare costs as well as your major medical expenses, depending on the type of plan you choose. You will pay a premium of some kind, based on your plan and coverage, whether you get your health insurance through your employer or privately. Depending on your type of plan, you may have co-pays, deductibles and coinsurance. Here is an overview of these costs:
  • Co-payments: With a co-payment, the insurance company agrees to pay for a service but you must cover a pre-set cost, such as $20. This cost applies every time you schedule a service that has an assigned co-pay; co-pays can be lower or higher depending on the plan or according to the service provided. The Affordable Care Act mandates that most routine preventive-care procedures, such as annual physicals and routine innoculations, be covered in full without a copay.
  • Deductibles: A deductible is the amount of money that you are required to pay before your insurance begins to cover services. Normally, you will either need to meet a deductible or pay a co-pay amount.
  • Coinsurance: Some policies may have coinsurance, which requires you to pay a certain percentage of services rendered. Your coinsurance may be an amount you pay in addition to your co-pay and may apply towards your deductible.
WHERE IS YOUR HEALTH INSURANCE AGENCY LOCATED?
Our health insurance agency is located in Louisiana. 
CAN YOU HELP WITH HEALTH INSURANCE FOR TRUCK DRIVERS?
Yes! We can help anyone get health insurance. Please visit our page about health insurance for truck drivers.