Individual Insurance Services

We apply forward-thinking ideas and solutions to the most challenging insurance issues you face and approach each case with passion and commitment. From the first steps of the insurance process and right through to the end, we’ll handle everything you need to be in your best shape for coverage & benefits. We know how complicated insurance can be. From quotes, choice of benefits, finding the right policy and pricing we are here through every step of the process. We will work with you to acquire the best possible coverage and provide exceptional service after the sale.


We are committed to offering value with our health insurance plans. As a customer, you can take advantage of innovative health programs focused on keeping you well. Plus, you get value-added wellness programs and exclusive discounts on wellness services such as gym memberships, spas and more.

What All Individual Qualified Health Plans Cover:

All individual Blue Cross qualified health insurance plans meet the rules set by the health care reform laws. Any plans you buy will offer these key benefits:

  • Office visits. A visit to your doctor’s office.
  • Prescription drugs. Drugs prescribed by a doctor to treat an acute illness, like an infection, or an ongoing condition, like high blood pressure.
  • Preventive and wellness services and chronic disease management. These services include routine physicals, screenings and immunizations. Chronic disease management is an integrated approach to manage an ongoing condition, like asthma or diabetes.
  • Hospitalization. Care you receive as a patient in a hospital.
  • Emergency services. Care for conditions which, if not immediately treated, could lead to serious disability or death.
  • Lab tests, blood work, X-rays. Testing blood, tissues, etc. from a patient to help a doctor diagnose a medical condition and monitor the effectiveness of treatment.
  • Maternity and newborn care. Care provided to women during pregnancy and during and after labor; care for newly born children.
  • Mental health care and substance use disorder services, including behavioral health treatment. Care to evaluate, diagnose and treat mental health and substance use
  • disorder issues.
  • Pediatric dental and vision services. All plans include benefits for annual pediatric eye exams, glasses, dental exams, cleanings, fluoride treatment, fillings and oral surgery.
  • Rehabilitation services and devices. Services and devices to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills.
  • Contraceptive coverage. Contraceptive methods and counseling for all women, as prescribed by a healthcare provider.

Certain limitations and exclusions apply to Essential Health Benefits.

Contact for more Information

Preventive and wellness services are covered at 100% when you go to a provider in your network. These covered services include annual exams, colonoscopies, mammograms and more. See www.bcbsla.com/preventive for a full list of services that are covered.

Contact for more Information

There are no lifetime dollar maximums on any Blue Cross individual medical plans.

Contact for more Information

Prescription drugs are a regular medical expense for many people and are the most-used part of any health insurance plan. Prescription benefits are managed by Express Scripts* and include:

  • A broad nationwide pharmacy network
  • A specialty pharmacy network
  • A mail order program

Express Scripts, Inc. is an independent company that provides pharmacy benefit management services to Blue Cross and Blue Shield of Louisiana.

Contact for more Information

BlueCare: Get Care from Anywhere!

Online medical and behavioral health visits are available to members and any dependents who are covered on their plans. All BlueCare providers are U.S. trained and board-certified.


Medical Visits
  • BlueCare costs less than the ER and urgent care centers.
  • BlueCare lets you see doctors online, 24/7, to treat non-emergency, common conditions like fever, colds and cough, stomach bugs or pink eye.


Behavioral Health Visits
  • Online appointments for behavioral health needs are available with BlueCare. Simply log in and schedule a visit with a psychology or psychiatry provider.
  • BlueCare behavioral health appointments can be a good service for members who may be feeling depression, grief, stress, life transitions, anxiety, couples’ counseling and more.


Drugs may be prescribed if needed. Prescription availability is defined by physician judgment; certain types of medication may not be prescribed. Before your BlueCare visit, you’ll see what it will cost. This depends on your plan type and benefits.


You can use any major credit card, and even HSA or FSA cards, to pay for BlueCare. Your card will not be charged until your visit is over.

Blue365®: Healthy Discounts and Deals

Blue365® offers you discounts on health and wellness resources, 365 days a year. Blue Cross and HMO members enjoy special discounts on many services, such as:


  • Gym memberships
  • Nutrition deals
  • Sports clothing and shoes
  • Eye care
  • Elective procedures (ex. LASIK)
  • Hearing aids


Choose the Plan That's Right for You

Blue Cross offers healthcare plans in three metal levels – bronze, silver and gold. Plans in each metal level have similar benefits but differ on how the costs of the benefits are applied.

Coverage & Benefits for Seniors

Original Medicare Includes:

Medicare Part A

Hospital Insurance


&


Medicare Part B

Medical Insurance

Complete Your Coverage with:

Medicare Supplement Insurance

&

Prescription Drug Plan

&

Dental Insurance with Optional Vision Benefit Rider

Medicare Supplement Insurance

Medicare supplement insurance policies are designed to help you pay what Medicare doesn't, including deductibles, coinsurance and copayments. We offer a variety of Medicare supplement insurance plans, and we'll help you select the one that best meets your needs and fits your budget.

Prescription Drug Plans

Two prescription drug plans allow you to choose what's right for you.


Whether you want a low-cost plan with tighter drug coverage or one with higher out-of-pocket costs and a broader choice of prescription drugs, we've got you covered.

Dental & Vision Plans

Dental insurance policies provide coverage for preventative, basic, and major dental services.


For a few dollars more, you can add an optional vision benefit rider to help cover the cost of eye exams, eyeglasses and contact lenses.