Medicare, Individual, and Group Health Insurance

 

A Comprehensive Healthcare Approach


Understanding that not one single product or one insurance company can meet the needs of all, Louisiana Benefit Advisors has partnered with JJL&W Insurance Consulting Firm to take advantage of their combined extensive expertise and provide the most comprehensive approach to healthcare benefits in the market.

 Founder, Matt Scoggins, specializes in individual and group sales; however, his passion is primarily working with the Senior Market where he started his career in insurance.  As Matt's client base grew, he recognized their needs growing as well.  Matt opened his agency in 2011 and carefully built a team around him in order to assist his clients with exceptional customer service. His agency, Louisiana Benefit Advisors, LLC is based in Baton Rouge, Louisiana and offer services throughout the entire state. Louisiana Benefit Advisors is now recognized as one of the top agencies in individual, Medicare and small business sales.

 

About Us
We Are A Full-Service Agency

We’re full service which means we have resources onhand for all your healthcare needs.

Matt Scoggins has been in the insurance industry for past 25 years. He started off in the insurance business as a captive agent for Aetna in their Medicare division in 1997. In 2002 he joined Blue Cross Blue Shield of Louisiana as an Independent Preferred Agent. During his 20 year tenure with Blue Cross Blue Shield he achieved and maintained President Club status, was honored as the top sales agent for numerous years and was widely recognized and respected as one of the most knowledgeable agents within the company. 

Matt Scoggins, Full-Service Insurance Agent
Our Mission

Matts primary expertise is in Medicare products and advising his clients in choosing the best suited Medicare supplement, Medicare advantage and prescription drug plan. Matt and his agency also specialize in individual health insurance plans both on and off the Healthcare Marketplace exchange, as well as working with small  businesses to implement group health benefits for their employees.

Matt and his agency are certified with the health insurance marketplace to help individuals and families apply for coverage through the marketplace @healthcare.gov and to see if they qualify for a tax credit. He is contracted with all the major insurance carriers in Louisiana which include Blue Cross Blue Shield of Louisiana, Aetna, United Healthcare, Cigna, and Humana.

The Mission of Scoggins Insurance
Why Choose LBA?

Matt truly enjoys helping others and prides himself in assisting his clients to help them understand all of their options and then work together to determine the coverage that makes the most sense for their situation and budget.

Matt understands that the health insurance market is constantly changing, along with the products and plans offered. He believes it is important to have an Insurance advisor who understands the evolving marketplace today and has the expertise and experience moving forward into the future.

Matt along with the staff at Louisiana Benefit Advisors look forward to the opportunity of assisting you with all your insurance needs.

Why Scoggins Insurance is Best For You!

What LBA Offers

Qualified Health Plans:

These type of health plans comply with the patient protection and affordable care act (PPACA).  This is commonly known as the Affordable Care Act (ACA) or “Obamacare” which went into effect on January 1, 2014.  This type of policy is guaranteed issue to anyone with pre-existing conditions.  Applicants of the same age who live in the same geographic location will pay the same premium, regardless of gender or pre-existing conditions. 

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Group Health Coverage

Health insurance coverage provided to a group of member/owners, usually comprised of company employees or members of an organization. Group health members usually receive insurance at a reduced cost because the insurers risk is spread within a group of policy holders.  These policies are usually tax deductible for the employer/business owner and will include participation requirements.

What is Medicare?

Medicare is a federal health insurance program for people who are 65 or older, certain younger people with disabilities and people with End Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ERSD) and ALS knows as Lou Gehrig’s Disease.

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Ancillary Products

 

1. Dental

Our dental plans can be offered under a group setting or for any individual looking to purchase their own personal policy.

Companies that we represent:

 

2. Vision Plans

Our vision plans can also be offered under a group setting or for any individual looking to purchase their own policy.

Companies that we represent:
 

 

3. Life Insurance

Life insurance is coverage that promises to pay a designated beneficiary a sum of money in the exchange for a premium, upon the death of the insured person. Life insurance is generally classified in two categories; Term Life and Whole Life.  

Term life Insurance is used for financial protection from death until a specified period of time, usually 10, 20 or 30 years.  If the insured dies during the term, a beneficiary or beneficiaries receive the full face value of the policy tax free. The monthly premiums are guaranteed for the life of the term so they remain fixed or level throughout.

Whole Life Insurance (Permanent Insurance) provides life-long protection not just for a set duration. This type of policiy builds a 'cash value' that accumulates as a return on a portion of your premiums that the insurance company invests. The cash value builds tax deferred, and can be used for loans or withdrawals or it can be surrendered (cashed out) prior to death. 

Premiums for Permanent Life Insurance are typically higher as compared to term life because it is intended to last for a lifetime.

For term or permanent life, the premium you pay for your life insurance is commonly based on current age, current health status, tobacco use, and medical history. These policies are medically underwritten and the applicant is assigned a 'risk class.' 

The LA Benefits Team will shop A-Rated Companies to find you the best policy available.

 

Let our office put together a plan option that will best suit you!

Represented Companies

We are proud to represent a wide and well-respected group of insurance carriers for all your insurance needs.

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Get In Touch

Contact Matt:

Our insurance experts are here to help. Call or E-Mail us today for more information!

Phone :

(225) 766-2583   |   office

(225) 229-6057   |   mobile

Email :

help@labenefitadvisors.com

Address :

10213 Siegen Lane, Suite 102

Baton Rouge LA - 70810