The Louisiana Dental Association Health Plan Trust (LDAHPT) was formed with the intention of providing a quality alternative in the health benefits market for LDA members. The hope of the LDA board was that many, though probably not all members, would be able to obtain benefits from LDAHPT that were comparable or better than those available elsewhere in the health benefits market at competitive premium rates.
Ultimately, LDAHPT was simply not able to grow sufficiently large fast enough to satisfy the requirements of all the partner companies that are needed to provide services to the plan. The decision was made to cease issuing new quotes, as provided in the Trust’s governing documents, and start helping members find other coverage beginning 11/1/19, the start of the open enrollment period. In accordance with Louisiana insurance law, LDAHPT has been informing LDA members that it will no longer be offering health benefits after April 30, 2020.
LDAHPT will also not be issuing renewal quotes for 2020 as had been originally intended and has discontinued issuing quotes for new business. As the primary concern is to take care of the needs of LDA members who are already part of LDAHPT, plan participants are being advised that LDAHPT’s exclusive agency, Brown & Brown Association Services Professionals, will shortly be contacting them to assist with obtaining comparable coverage with another health plan to be effective January 1, 2020. In most cases, such coverage will need to be bound by December 1, 2019. So, if you are a current plan participant and do not get a call from Brown & Brown within the next few days, you may want to proactively contact them by calling 1-888-503-5547.
Coverage for current plan participants remains in effect and claims for dates of service through 12/31/19 will be covered by LDAHPT, subject to the normal conditions, limitations and exclusions of the plan. This includes claims for covered services rendered prior to 12/31/19 but submitted after 1/1/20.
Should you have any questions, please feel free to contact Brown & Brown Association Services Professionals or the LDA. Bear in mind that Brown & Brown can assist LDA members in finding great options for a wide variety of insurances lines, including health benefit plans. And, Stormy Blair, Vice President at Brown & Brown Association Services Professionals, would be more than happy to visit your district meeting to talk with members about options.