LDA Health Plan Trust Coverage Began March 1, Enroll Any Time
Created by dentists for dentists: because your family deserves complete protection and you deserve affordable rates.
We listened to you, designed health benefit plans you want and began covering LDA members on March 1st. Here are some reasons YOU should APPLY NOW:
Broader Network of Doctors & Hospitals
The LDA has chosen broad networks of doctors and hospitals in Louisiana and nationally for their members. You may find that your choices are much more limited on your current plan. For example, many Blue Cross/Blue Shield policies are now HMO’s. HMO’s typically require treatment in-state only and many even further restrict the network to a certain region of the state.
Lower Out-of-Pocket Costs
Dollar-for dollar, the LDA plans frequently have lower co-insurance and out-of-pocket maximums than other carriers like Blue Cross/Blue Shield.
A few of the differences between the LDAHPT and traditional group plans are:
- While employers do have to offer the plan to all eligible employees, there is no requirement to pay a portion of employee premiums.
- More dental offices can qualify for group rates which are typically more affordable than individual rates.
- Employers are not required to participate in order for their staff to be eligible.
- The fees qualify as a business expense for the employer. And, employees may save money too by paying with pre-tax dollars through payroll deduction.
The LDAHPT is a Multiple Employer Welfare Arrangement (MEWA) owned by the LDA. This lets the LDA design plans with the health benefits our members want while avoiding some mandates of the ACA and State that can increase costs.
Contact Brown & Brown Association Services Professionals today to obtain a proposal and learn more about the reasons the LDAHPT is a better choice for you, your family and your staff.
Stormy Blair, Vice President, Brown & Brown Association Services Professionals