Louisiana Health Insurance Survey 2019 - Louisiana Department Of Health

1y ago
12 Views
2 Downloads
1.51 MB
54 Pages
Last View : 2m ago
Last Download : 2m ago
Upload by : Arnav Humphrey
Transcription

Louisiana Health Insurance Survey2019Dek Terrell, PhD Stephanie Virgets, MAEconomics & Policy Research GroupSponsored by the Louisiana Department of Health

Executive SummaryThe Louisiana Health Insurance Survey (LHIS) has served as Louisiana’s primary source for health insurancecoverage and related information since 2003. The biennial survey has provided information on the impacts ofHurricane Katrina, changes in economic conditions and changes in policy on health insurance coverage over thepast 16 years. This report summarizes results of the 2019 LHIS. This marks the second survey conducted sinceLouisiana expanded its Medicaid program to cover adults up to 138% of the Federal Poverty Level (FPL). Keyfindings of the 2019 LHIS are:Insurance coverage for children (under 19): Uninsured rates for children remain low, below 5% for 2009 and later An estimated 44,213 Louisiana children were uninsured (3.8%) Among Medicaid eligible children, 4.5% or 29,277 were uninsured With regard to sources of coverage, Medicaid continues to serve as the largest source of coverage at 51.1%while 40.8% of Louisiana children were covered by parent’s employersInsurance coverages for non-elderly adults (19-64): Louisiana continued to show improvements in coverage for adults following the Medicaid expansion An estimated 305,256 Louisiana adults (11.1%) were uninsured The uninsured rate for adults was similar to the 11.4% rate in 2017 and roughly half of the 22.7% observed in2015 prior to the Medicaid expansion Employer coverage continued to serve as the most important source of coverage at 50.7% of adults while26.5% of Louisiana’s non-elderly adults received Medicaid coverage12019 Louisiana Health Insurance Survey

IntroductionThe Louisiana Health Insurance Survey (LHIS) is a biennial survey designed to assess health insurance coverage inLouisiana. The survey was first conducted in 2003. This report focuses on the results of the 2019 survey. The LHIShas helped state policy makers track changes in health insurance as Louisiana’s economy, health care environment,and public policies have changed. The broad trend has been towards wider health insurance coverage andfewer uninsured individuals, first with children in the early 2000s, when the percentage of uninsured childrenwas estimated at 11.1% in the inaugural survey in 2003 to 5% or lower in 2009 to the present, and then with adults,shrinking from 20-24% in years 2003-2015 to 11.1% in 2019 after Louisiana’s expansion of Medicaid eligibility.This year’s 2019 survey is the second after Louisiana’s historic Medicaid expansion. On June 1, 2016, the LouisianaDepartment of Health began accepting applications for Medicaid from all adults under 138% of the FPL, also knownas the Medicaid expansion population. This is the largest expansion of coverage for adults since the originalintroduction of the Medicaid program for adults decades ago. Previously, low-income adults could only receiveMedicaid under certain restrictive conditions, including disability and for parents earning under 19% FPL. The 2017LHIS showed a significant decrease in uninsured adults, especially among lower income ranges. The 2019 LHISshows the trend continuing, albeit at a much slower pace.Economic conditions can also affect health insurance coverage, especially employer coverage. Traditionally, ithas also had a big impact on adult coverage, because Medicaid coverage was available to so few, and employercoverage drives most of adult health insurance coverage. In 2019, the unemployment rate was consistently low,ranging from 4.5 – 5.2 percent. Per capita personal income continued to rise from 46,245 to 48,008.Census surveys like the American Community Survey (ACS) and Current Population Survey (CPS) consistently reportlower rates of Medicaid than administrative data and higher uninsured rates than the LHIS, at least partly as a result ofthe number of people on Medicaid or health insurance misreporting coverage status. This misreporting is known asthe Medicaid undercount. Prior research has documented that some people with Medicaid coverage may misreportby reporting no coverage, or a different type of coverage. Some Medicaid enrollees may not realize or rememberthat they have Medicaid coverage or a survey respondent may misreport for other members of the household whenunsure about coverage for all members of the household. Other reasons a person might misreport their healthinsurance coverage are question placement, unfamiliar terminology, or intentional misreporting potentially to avoida negative stigma associated with the programs. To account for the Medicaid undercount present in estimates fromother large surveys that collect data on health insurance coverage like the ACS and CPS, the LHIS uses a Medicaidsubsample to ask questions of households known to include Medicaid enrollees and adjusts for the likelihood ofmisreporting Medicaid coverage on an individual level. This bias correction model uses a multinomial logit to predictmisreporting using individual and household characteristics. Using Bayes’ rule, we develop an individual- level biascorrection model derived from the probability of misreporting estimated by the multinomial logit.A 2018 study reviewing Medicaid misreporting data from 2007 – 2017 found that in 2017, Medicaid misreporting wassignificantly smaller than in previous years, either due to the increased attention Medicaid has received in recentyears or to a reduced stigma associated with enrolling in Medicaid now that a much larger population is eligibleand enrolling. For this reason, the 2019 LHIS uses a single-year multinomial logit model, and the bias correction issmaller than in some years in the past.The LHIS interviews at least 8,500 Louisiana households. This year a new source of surveying was added dueto increasing difficulty of gathering survey data from phone surveys. Specifically, internet surveys were used toaugment telephone surveys. Extensive screening of data was employed to ensure data quality, so that of the8,955 responses collected, only 8,538 were deemed to be high-quality and used in analysis. More information onmethodology can be found in Appendix A.2019 Louisiana Health Insurance Survey2

The remainder of this report provides an overview of the major findings from the 2019 LHIS. First, we present asummary of insurance coverage for children followed by a similar section summarizing results for adults. Section 3highlights differences in insurance coverage for subgroups of the population, which illustrates correlations betweenindividual and household characteristics and insurance coverage. Finally, Section 4 summarizes several questionsfrom the Office of Public Health about access to and quality of healthcare.1. Uninsured ChildrenThe percent of uninsured children ages 0 - 19 in Louisiana increased slightly from 2.4% in 2017 to 3.8% in 2019,keeping the rate under a low 5% since 2009, as shown in Figure 1-1. In terms of absolute impact, this increased theestimated number of uninsured children from 28,990 children to 44,213. To help cover uninsured children, the stateoffers several different Medicaid programs. These programs have been expanded over time to help cover morechildren in low-income families, which have historically faced the greatest challenges in securing health insurancefor their children through their employers or affording premiums. For children who are eligible for Medicaid in 2019,the uninsured rate was 4.5%, up from an all-time low of 2.6% in 2017.The average uninsured rate for children from 2009-2019 is 3.8%. With no economic nor policy explanation forthe uptick from 2017 to 2019, 2019 might be viewed as a return to the typical children’s uninsured levels achievedfollowing the enhancements in LaCHIP from 2003-2009.Figure 1-1: Uninsured Children and Uninsured Medicaid Eligible Children, 2003 to 007200920112013201520172019All Children PercentMedicaid Eligible PercentAll Children NumberMedicaid Eligible Number0Table 1-1 shows the percentage and total number of uninsured children by region from 2015 to 2019. Although rateswent down in 2017, the rates in 2019 are very similar to 2015 across all regions. One notable improvement amongthe different regions is the Northeast region, which decreased uninsured rates from 5.8% in 2015 to 3.9% in 2019.Overall, the New Orleans and Southwest regions have the lowest uninsured rates in 2019, and Houma-Thibodauxand Northwest regions have the highest rates.32019 Louisiana Health Insurance Survey

Table 1-1 Uninsured Children by Region, 2015 to rcentNumberNew Orleans 12.4%4,8462.2%4,9532.5%5,014Baton Rouge 23.2%5,6741.3%2,1653.8%6,169Houma-Thibodaux 33.2%3,3802.6%2,8355.2%5,587Acadiana 43.8%5,7043.2%5,0832.9%5,026Southwest 53.4%2,2061.5%1,2332.6%2,146Central 64.9%4,9996.1%4,3374.8%3,783Northwest 74.4%5,9623.4%4,5765.1%6,867Northeast 85.8%5,2741.9%1,5733.9%3,342Northshore %28,9903.8%44,213Table 1-2 shows the percentage and total number of Medicaid-eligible children by region from 2015 to 2019. Thelowest rate is in the Baton Rouge region and the highest rate is in the Central region. Statewide, the pattern issimilar to that of all children, with a dip in the estimated percent uninsured in 2017 followed by a rise to 4.5% in 2019back to 2015 levels.Table 1-2 Uninsured Medicaid Eligible Children by Region, 2015 to rcentNumberNew Orleans 12.1%2,5432.9%3,5913.4%3,645Baton Rouge 23.6%3,8162.1%1,7153.1%2,586Houma-Thibodaux 34.3%2,6142.3%1,2965.4%3,371Acadiana 44.8%4,0861.8%1,5054.2%3,935Southwest 53.0%1,0960.5%2195.0%1,982Central 64.2%2,7597.5%3,3196.7%3,059Northwest 75.2%4,9575.1%3,9725.5%4,655Northeast 85.1%3,5110.2%1335.1%2,582Northshore %17,3054.5%29,2272019 Louisiana Health Insurance Survey4

Table 1-3 illustrates the general relationship between a child’s family income as a percent of the FPL and insurancestatus. The FPL is an income benchmark issued annually by the U.S. Department of Health and Human Services andis used to determine eligibility for certain programs and benefits including Medicaid. The specific threshold variesdepending on household size, but for a family of four, the FPL was 25,750 in 2019.In Louisiana, to be eligible for Medicaid or LaCHIP as a child under 19 years of age, household income must be below217 percent FPL. Between 217-255 percent FPL, children are eligible for the LaCHIP Affordable Plan, a Medicaidbuy-in program that costs 50 per month to gain LaCHIP coverage. Uninsured rates for children in the under 100%FPL category are slightly higher than rates for children in other income groups. Children in households earningunder 100% FPL are eligible to receive Medicaid, yet 5.5% remain uninsured. This could potentially indicate that theirparents may be unaware of their eligibility, uninformed about the Medicaid program, or face other access problems.Table 1-3 Uninsured Children by FPLFPL CategoryPercentNumberUnder 100% FPL5.5%25,476100-150% FPL2.8%2,120150 - 200% FPL2.4%1,296200 - 250% FPL3.7%6,256250 - 300% FPL1.6%1,685300-400% FPL1.9%2,518Over 400% FPL2.7%4,862Table 1-4 displays the sources of health insurance for children by region. The largest source of health insurance forchildren is Medicaid, with just over half (51.1%) of children in Louisiana relying on Medicaid for health insurance. Thesecond largest source of insurance is employer coverage1, with 40.8% of children relying on employer insurance.Other sources of coverage comprise smaller portions, including purchased private insurance, former employerinsurance like COBRA, not in household coverage such as insurance through a non-custodial parent, and militarycoverage. Many children have multiple sources of health insurance or secondary insurance providers2, so the totalsof these tables will add to more than 100%.1Employer sponsored insurance refers to an insurance policy selected and purchased by the employer. Typically, the costs of the insurance are split between the employer andemployee.2For example, there could be a period of overlap where a child is covered by both the former employer and current employer at the same time.52019 Louisiana Health Insurance Survey

Table 1-4 Sources of Health Insurance for Children by ntNew Orleans 137.8%75,2748.8%17,5186.2%12,3097.0%13,949Baton Rouge bodaux 338.7%41,46410.6%11,3163.9%4,1945.4%5,768Acadiana st 543.1%35,5396.8%5,6155.4%4,4165.5%4,548Central 633.9%26,4678.4%6,5284.7%3,6894.5%3,500Northwest 738.4%51,6809.9%13,3248.1%10,8495.9%7,914Northeast 835.6%30,6069.6%8,2504.2%3,6126.6%5,659Northshore PercentMilitaryNumberPercentPercentNumberNot in HouseholdPercentRegionNumberFormer tNumberPercentNumberNew Orleans 17.2%14,3294.6%9,12752.1%103,5852.5%5,014Baton Rouge daux 36.7%7,2001.9%2,02354.1%57,9365.2%5,587Acadiana 44.4%7,5334.1%7,04752.2%89,4112.9%5,026Southwest 52.8%2,2982.7%2,23249.8%41,0152.6%2,146Central 61.4%1,0785.2%4,09057.1%44,5564.8%3,783Northwest 76.3%8,4655.3%7,09850.0%67,3425.1%6,867Northeast 84.1%3,5561.7%1,47356.9%48,8853.9%3,342Northshore .7%43,52351.1%601,1243.8%44,213Statewide2019 Louisiana Health Insurance Survey6

2. Uninsured AdultsMedicaid expansion for adults with low-income began in June 2016 after the last installment of the LHIS in 2015.In 2017, the number of uninsured adults in Louisiana was cut in half by the policy change and the rate of uninsuredadults has continued to drop slightly at a much slower rate. A similar dramatic decrease in uninsured children wasseen between 2003 and 2009 with the expansion and marketing of the state’s Medicaid program for children inLouisiana until the uninsured rate mostly leveled off. The uninsured rate for adults in 2019 was 11.1% for a total of305,256 adults uninsured.Figure 2-1 Uninsured Adults, 030.0%633,943 622,033 644,217546,348 540,49024.0%21.1%21.2%20.1%25.0%22.7% 22.0% 2013201520172019PercentTable 2-1 shows uninsured rates by region, 2015 to 2019. Uninsured rates are half what they were in 2015 and lowerthan 2017 in most regions. In 2019, Baton Rouge, New Orleans, Central, and Acadiana regions have the lowestlevels of uninsured adults and fall under the statewide average. It is also worth noting that the variation in uninsuredlevels drops after the Medicaid expansion as the correlation between poverty and insurance status weakened.72019 Louisiana Health Insurance Survey

Table 2-1 Uninsured Adults (19-64) by PercentNumberNew Orleans 121.2%113,66611.5%61,43610.0%55,569Baton Rouge 218.8%79,94810.2%42,6548.2%33,700Houma-Thibodaux 321.9%54,5538.5%20,64011.5%27,539Acadiana 422.2%76,74510.9%40,78710.9%37,125Southwest 525.6%37,53215.2%26,80212.5%22,604Central 623.0%56,76114.7%27,62510.1%17,363Northwest 725.8%86,32311.3%37,23413.3%41,038Northeast 829.2%61,36012.6%26,98514.4%28,738Northshore 4,21711.4%321,47711.1%305,256Table 2-2 shows uninsured adults by percentage of FPL to explore the relationship between income andinsurance status in greater detail. Lower income adults experienced a particularly significant drop (to about a thirdof previous rates) in uninsured rates after the Medicaid expansion in 2016 and continued to drop in 2019.Table 2-2 Uninsured Adults (19-64) by FPL, 2015 to 20192015FPL umberUnder 19% FPL35.1%99,55918.8%71,40117.3%66,29719-100% FPL38.1%146,38411.5%28,1159.8%19,863100 - 138% FPL35.5%81,77811.2%10,54510.5%8,822138 - 150% FPL37.3%26,88813.0%16,63811.4%13,443150-200% FPL27.4%79,09817.0%65,98413.9%56,315200-250% FPL22.7%52,55013.4%50,22814.7%53,292250-300% FPL19.7%42,1599.8%20,92110.3%21,925300-400% FPL13.0%43,3027.2%23,9307.7%23,2862019 Louisiana Health Insurance Survey8

Historically, low-income parents had more access to Medicaid than childless adults and LHIS has tracked thedifferences between these groups for several years. Since June 2016, access to Medicaid is equally available toboth groups, but parents are still significantly more likely to have health insurance coverage than their childlesspeers in 2019.Table 2-3 Uninsured Parents and Childless Adults (19-64)ParentsRegionPercentChildless AdultsNumberPercentNumberNew Orleans 15.7%7,00211.2%48,567Baton Rouge 24.9%5,3599.4%28,341Houma-Thibodaux 39.0%5,57512.3%21,964Acadiana 48.0%8,32612.2%28,799Southwest 510.0%4,38113.2%18,223Central 69.0%4,13610.5%13,228Northwest 78.4%7,65715.3%33,382Northeast 89.8%4,59215.8%24,147Northshore ,959Table 2-4 displays the sources of healthcare coverage for nonelderly adults aged 19-64. The largest source ofcoverage for adults is employer-sponsored coverage with just over half (50.7%) of all Louisiana adults procuringhealth insurance through their employers. The second largest source of coverage is now Medicaid, with abouta quarter (26.5%) of adults on Medicaid. Purchased coverage, including health insurance purchased through thefederal Health Insurance Marketplace (Marketplace) authorized by the Patient Protection and Affordable Care Act(ACA), is gaining an increasing portion of the population with 13.4% of adults. Former employer coverage makesup another 11.6%. Some individuals have multiple types of coverage so the totals sum to slightly more than 100%.Finally, there are fewer adults with no health insurance than in any prior year of the LHIS. In 2019, only 11.1% ofadults did not have health insurance compared to 22.7% in 2015.92019 Louisiana Health Insurance Survey

Table 2-4 Sources of Health Insurance Coverage for Adults by ntNew Orleans 152.6%293,22614.0%78,18710.5%58,6135.0%27,946Baton Rouge Thibodaux ana est 552.3%94,83210.6%19,32110.0%18,1172.9%5,306Central t east ore Not in HouseholdPercentRegionNumberFormer dNumberPercentNumberNew Orleans 19.1%50,7335.1%28,36427.2%151,39610.0%55,569Baton Rouge bodaux a est 57.5%13,6496.8%12,34024.1%43,65512.5%22,604Central est ast re ese last two tables show more detail for low-income adults earning less than 138% FPL. Table 2-5 shows sourcesof coverage for low-income adults. A slightly higher proportion of low-income adults are uninsured compared tothe statewide average of 11.1%. Although most adults earning less than 138% FPL are eligible for Medicaid, onlyabout half of these adults have Medicaid coverage. Approximately a quarter (26.4%) of this group has employersponsored coverage.2019 Louisiana Health Insurance Survey10

Table 2-5 Sources of Coverage for Adults under 138% ,790Former Employer5.3%47,8293.4%24,7436.9%46,020Not in %94,981Table 2-6 breaks out the low-income uninsured adults by region. Baton Rouge and Acadiana have the lowest ratesof uninsured adults, while the Southwest and Northwest regions have the highest uninsured rate.Table 2-6 Uninsured Adults under 138% FPL by erPercentNumberNew Orleans 134.9%52,70214.3%19,38314.2%16,035Baton Rouge 231.0%35,41218.3%17,25611.5%10,881Houma-Thibodaux 337.2%26,18010.3%6,59214.8%9,400Acadiana 437.6%41,62015.2%13,72112.9%11,201Southwest 544.4%19,63519.8%8,93117.2%7,020Central 636.3%30,42819.0%10,11015.2%7,252Northwest 736.6%45,83215.2%13,24416.0%13,623Northeast 839.5%35,84013.3%8,24413.8%7,889Northshore 7,72015.3%110,06114.2%94,9812019 Louisiana Health Insurance Survey

3. Determinants of Uninsured StatusThis section looks at different determinants of uninsured status or the relationship between certain factors likeincome and gender and the uninsured rate. The first determinant explored is how income affects the uninsuredrates. Figure 3-1 shows the uninsured rates for adults and children at different levels of income, as a percentageof FPL. Uninsured rates for children are very low across the board, since Medicaid is available to a broad range ofincome levels and offsets low-income families’ difficulty in obtaining employer insurance. For adults, the uninsuredrates of lower income individuals are getting much closer to those of higher income individuals, but there is stillsome pattern of higher uninsured rates for lower income individuals.Figure 3-1 Uninsured Rates by nde r 100%FPL100-150%FPL150 - 200%FPL200 - 250% 250 - 300%FPLFPLChildren2.7%1.9%300-400%FPLOver 400%AdultsAnother influencing factor in health insurance is gender, with adult women more likely to obtain health insurancethan men. This may be due to lower risk tolerance, or more expected health costs due to childbearing.Figure 3-2 Uninsured Rates by 9 Louisiana Health Insurance Survey12

The picture of race for 2019 is different as reflected in Figure 3-3. White adults have historically had lower uninsuredrates than black adults with a significant racial disparity in insurance coverage. In 2019, black adults actually reportedlower uninsured rates than white adults, suggesting the Medicaid expansion in conjunction with other coverageefforts like the federal Marketplace authorized by the ACA have substantially reduced the racial disparity in insurancecoverage in Louisiana.Figure 3-3 Uninsured Rates by 0%WhiteBlackWhiteBlackAdultsChildrenFigure 3-4 illustrates that education is still a strong predictor of uninsured status. Individuals with lower levels ofeducation, such as less than high school diploma, are more than 4 times more likely to be uninsured than thosewho have completed at least four years of college.Figure 3-4 Uninsured Rates by Education 0%0.0%Less than highschoolCompleted highschoolSome college orassociatesdegreeCompleted fouryears of college4.6%GraduatedegreeFigure 3-5 explores the correlation between age and uninsured status. The elderly, who are eligible for Medicare,have the lowest levels of uninsured individuals followed by children. Children at various income levels are eligiblefor various state programs. Among nonelderly adults, the 45-64 age group, which is typically both more financiallystable and more health-conscious than younger age groups, predictably have the lowest uninsured rates among132019 Louisiana Health Insurance Survey

adults. The 19-26 age group has lower uninsured rates than the 27–44 age group. Under the ACA, this age group isnow eligible to remain on their parent’s health insurance policy until age 26.Figure 3-5 Uninsured Rates by .0%3.9%3.2%2.4%2.0%0.0%0 - 5 years6 - 15 years16 - 18 years19 - 26 years27 - 44 years45 - 64 years65 years orolderFigure 3-6 shows employer-sponsored insurance coverage by size of employer. The larger the employer, the morelikely they offer health insurance to their employees.Fewer than half of adults of any income level that work for small employers (0-49 employees) have employersponsored health insurance.Figure 3-6 Employer Coverage Insurance by Size of .0%20.0%10.0%0.0%0-49 employees50-99 e mployees100 or more employees2019 Louisiana Health Insurance Survey14

4. Office of Public Health QuestionsThis section focuses on four questions provided by the Office of Public Health, relating to access to and quality ofcare received by individuals. These questions include:1. Does your health insurance offer benefits or cover services that meet your needs?2. Does your health insurance allow you to see the health care providers you need?3. Not including health insurance premiums or costs that are covered by insurance, do you pay any money foryour health care?4. How often are these costs reasonable?These responses are presented in a series of charts that compare adults vs. children, major insurance types, anddifferent regions.Most individuals responded that their health insurance offers benefits or covers services that meets their needsalways (44%) or usually (32%). Children were even more likely than adults to have health insurance that alwaysmeets their needs. Answers were similar among major insurance types and all nine regions.Does your health insurance offerbenefits or cover services thatFigure 4-1 Does Your health Insurance Offer Benefits or Cover Services that Meet Your Needs?meet your 52019 Louisiana Health Insurance SurveySometimesUsuallyAlways

Figure 4-2 Insurance Meets Needs by Children and renNeverSometimesUsuallyAlwaysFigure 4-3 Insurance Meets Needs by Insurance yerNeverSometimesPurchasedUsuallyOtherAlways2019 Louisiana Health Insurance Survey16

Figure 4-4 Insurance Meets Needs by R4R5SometimesR6UsuallyR7R8R9AlwaysMost individuals believe their health insurance allows them to see the providers they need, with 49% responding“always” and another 30% responding “usually.” Answers were similar among children and adults, major insurancetypes, and all nine regions.Does your health insurance allowyou to see the healthcareFigure 4-5 Does Your Health Insurance Allow You to See the Healthcare Providers You Need?providers you 2019 Louisiana Health Insurance SurveySometimesUsuallyAlways

Figure 4-6 See Providers They Needed by Children and esUsuallyAlwaysFigure 4-7 See Providers They Needed by Insurance yerNeverSometimesPurchasedUsuallyOtherAlways2019 Louisiana Health Insurance Survey18

Figure 4-8 See Providers They Needed by R4R5R6SometimesUsuallyR7R8R9AlwaysResponses to the next question, “Not including health insurance premiums or costs that are covered by insurance,do you pay any money for your health care?”, were split. Approximately 46% of respondents have health costsoutside of premiums, while 54% of respondents do not. Children and Medicaid recipients were significantly morelikely to respond with no costs, while adults and people with employer insurance are more likely to have othercosts. Among those who had other costs, most found costs to be reasonable. Results indicated no substantialdifferences between children and adults, major insurance types, or regions.Not including health insurancepremiums or costs that areFigure 4-9 Not Including HealthInsuranceor Costs y Insurance, Do You Payany Money for Your Health Care?any money for your health care?46%54%Yes192019 Louisiana Health Insurance SurveyNo

Figure 4-10 How Often Are these Costs Reasonable?How often are these costs ysNo out of pocket expensesFigure 4-11 Costs Reasonable by Children and renNeverSometimesUsuallyAlwaysNo out of pocket expenses2019 Louisiana Health Insurance Survey20

Figure 4-12 Costs Reasonable by Insurance EmployerSometimesUsuallyPurchasedAlwaysOtherNo out of pocket expensesFigure 4-13 Costs Reasonable by 2019 Louisiana Health Insurance SurveyR3SometimesR4UsuallyR5AlwaysR6R7R8No out of pocket expensesR9

Appendix A. MethodologyThis Appendix includes more details on survey methodology, including dates of survey collection, counts of totalhouseholds and individuals for all groups and households with individuals under 19, and the weighting used todevelop survey instruments.Data was collected over the seven month period 9/3/2019 to 3/30/2020. Co

The Louisiana Health Insurance Survey (LHIS) is a biennial survey designed to assess health insurance coverage in Louisiana. The survey was first conducted in 2003. This report focuses on the results of the 2019 survey. The LHIS has helped state policy makers track changes in health insurance as Louisiana's economy, health care environment,

Related Documents:

The Louisiana Health Insurance Survey (LHIS) is a biennial survey designed to assess health insurance coverage in Louisiana. The survey was first conducted in 2003 with the most recent survey designed to measure health insurance coverage in 2017. The LHIS has helped state policy makers track changes in health insurance as the state's economy .

Baton Rouge, Louisiana Ashley N. Freeman Lake Charles, Louisiana Samuel T. French Fayette, Mississippi Samantha G. Gahn Baton Rouge, Louisiana Landon P. Gauthier Gonzales, Louisiana John C. Ginart Chalmette, Louisiana Andres Gomez Lafayette, Louisiana . Taylor Alexander . Lake Charles, Louisiana

Louisiana Purchase PowerPoint Notes Answer Key Louisiana 1. Louisiana was the large area west of the Mississippi River. 2. 1762 - Louisiana was given to Spain after the French & Indian War. 3. 1800 - France took control of Louisiana New Orleans 4. What was the largest port in Louisiana? New Orleans 5. What were the American farmers worried .

Independent Insurance Agents & Brokers of Louisiana Frequently Requested Louisiana Insurance Statutes Independent Insurance Agents & Brokers of Louisiana 9818 Bluebonnet Blvd. Baton Rouge, La 70810 (225) 819-8007 www.IIABL.com

children’s public health coverage programs. Louisiana has made children’s health insurance programs and 3 Stephen Barnes, Mike Henderson, Dek Terrell, and Stephanie Virgets, 2017 Louisiana Health Insurance Survey, The Economics & Policy Research Group and the Public Policy Research

University Louisiana Lafayette: Upward Bound Math & Science (TRIO) Crystal Vallier cvallier@louisiana.edu Constance Broussard connie@louisiana.edu Shauna Landry Ahauna.landry@louisiana.edu Janice Nix Victorian jnix@louisiana.edu July 17-July18 (

Computer Science Nona Istre nona@louisiana.edu Informatics Dr. Hsiu-Yuen (Sonya) Hsu sonyahsu@louisiana.edu Environmental Science Dr. Durga Poudel ddpoudel@louisiana.edu Geology Dr. Tim Duex tduex@louisiana.edu Mathematics Dr. Ross Chiquet car4205@louisiana.edu Physics Dr. Andi Petculescu C00250270@louisiana.edu Department of Biology

2.1 ASTM Standards: 2 E 178 Practice for Dealing with Outlying Observations E 867 Terminology Relating to Vehicle-Pavement Systems E 1364 Test Method for Measuring Road Roughness by Static Level Method F 457 Test Method for Speed and Distance Calibration of a Fifth Wheel Equipped with Either Analog or Digital Instrumentation 3. Terminology 3.1 Definitions: 3.1.1 aliasing—in the context of .